Exhibit 99.01 Schedule 1
| MASKED ID | Loan ID | Seller | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| OBX2026AHC1000008 | XXXXXXX | XXXXXX | Closed | 2026-03-19 15:06 | 2026-03-19 15:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. BPO with sufficient value obtained for a secondary review product. The finding will be graded a B or non-material for S&P only. - Due Diligence Vendor-03/19/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. BPO with sufficient value obtained for a
secondary review product. The finding
will be graded a B or non-material for S&P only. - Due Diligence
Vendor-03/19/2026 |
SC | Primary Residence | Refinance | Cash Out - Other | 8222695 | Originator Post-Close | No | ||||||
| OBX2026AHC1000008 | XXXXXXX | XXXXXX | Closed | 2026-03-18 14:34 | 2026-03-19 14:59 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
SC | Primary Residence | Refinance | Cash Out - Other | 8193604 | N/A | N/A | ||||||
| OBX2026AHC1000008 | XXXXXXX | XXXXXX | Closed | 2026-03-18 14:34 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
SC | Primary Residence | Refinance | Cash Out - Other | 8193622 | Investor Post-Close | No | ||||||
| OBX2026AHC1000008 | XXXXXXX | XXXXXX | Closed | 2026-03-04 08:23 | 2026-03-13 11:25 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Lender provided documentation of Guaranteed replacemen.
- Due Diligence Vendor-03/13/2026 Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Policy states it provides replacement cost coverage of the property. - Buyer-03/06/2026 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXXXXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXXXXX The dwelling coverage is updated as per the HOI page#153 and Total Estimate of Cost-New as per appraisal page #29 - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided documentation of Guaranteed replacemen.
- Due Diligence Vendor-03/13/2026 Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_Property Insurance Policy.pdf | SC | Primary Residence | Refinance | Cash Out - Other | 7917261 | N/A | N/A | |||||
| OBX2026AHC1000020 | XXXXXXX | XXXXXX | Closed | 2026-03-06 05:24 | 2026-03-19 12:24 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
PA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7965776 | N/A | N/A | ||||||
| OBX2026AHC1000020 | XXXXXXX | XXXXXX | Closed | 2026-03-03 08:13 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
PA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7894293 | Investor Post-Close | No | ||||||
| OBX2026AHC1000026 | XXXXXXX | XXXXXX | Closed | 2026-03-03 11:04 | 2026-03-10 11:09 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved- - Due Diligence Vendor-03/10/2026 Resolved-Resolved. Lender provided evidence the specific office is closed for business on Saturdays. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. Uploaded LOE - Seller-03/06/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Application date - XX/XX/XXXX and Initial Disclosure XX/XX/XXXX - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. Uploaded LOE -
Seller-03/06/2026 |
Resolved- - Due Diligence
Vendor-03/10/2026 Resolved-Resolved. Lender provided evidence the specific office is closed for business on Saturdays. - Due Diligence Vendor-03/10/2026 |
XXXXXXXXXX_XXXXXX_XXX XXXXXX XXXXXXX LOE.pdf | The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) | NC | Primary Residence | Purchase | NA | 7898679 | N/A | N/A | |||
| OBX2026AHC1000026 | XXXXXXX | XXXXXX | Closed | 2026-03-03 11:04 | 2026-03-10 10:51 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due Diligence Vendor-03/10/2026 Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Homeownership counseling organization disclosure sent date XX/XX/XXXX and application XX/XX/XXXX - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Acknowledged-The Homeownership Counseling Organization
Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the
Application Date (XX/XX/XXXX). Three business days from the Application Date
is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days
after receipt of an application, or information sufficient to complete an
application, the lender must provide the applicant with a clear and
conspicuous written list of homeownership counseling organizations that
provide relevant counseling services in the loan applicant's location. (12
CFR 1024.20) Homeownership counseling organization disclosure sent date
XX/XX/XXXX and application XX/XX/XXXX - Due Diligence Vendor-03/03/2026 |
The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) | NC | Primary Residence | Purchase | NA | 7898677 | Investor Post-Close | No | |||||
| OBX2026AHC1000026 | XXXXXXX | XXXXXX | Closed | 2026-03-03 12:27 | 2026-03-04 08:55 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX - Due Diligence Vendor-03/03/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not
Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within
three business days of Application Date XX/XX/XXXX - Due Diligence
Vendor-03/03/2026 |
NC | Primary Residence | Purchase | NA | 7901040 | Investor Post-Close | No | ||||||
| OBX2026AHC1000028 | XXXXXXX | XXXXXX | Closed | 2026-03-04 09:29 | 2026-03-23 05:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/17/26: The COC dated XX/XX/XXXX on page 17 attached indicates rate lock extended at cost to borrower which is a valid reason for decrease in lender credit. - Buyer-03/17/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC missing in file for lender credit decrease. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXX_COC.pdf | PA | Primary Residence | Purchase | NA | 7918999 | N/A | N/A | |||||
| OBX2026AHC1000028 | XXXXXXX | XXXXXX | Closed | 2026-03-04 09:29 | 2026-03-23 05:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/17/26: The COC dated XX/XX/XXXX on page 17 attached indicates rate lock extended at cost to borrower which is a valid reason for decrease in lender credit. - Buyer-03/17/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). COC missing in file for lender credit decrease. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXX_COC.pdf | PA | Primary Residence | Purchase | NA | 7918997 | N/A | N/A | |||||
| OBX2026AHC1000046 | XXXXXXX | XXXXXX | Closed | 2026-03-25 10:31 | 2026-03-25 10:31 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/25/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
This finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-03/25/2026 |
CA | Primary Residence | Purchase | NA | 8313847 | Investor Post-Close | No | ||||||
| OBX2026AHC1000046 | XXXXXXX | XXXXXX | Closed | 2026-03-03 12:43 | 2026-03-19 12:27 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/03/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CA | Primary Residence | Purchase | NA | 7901616 | N/A | N/A | ||||||
| OBX2026AHC1000055 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:52 | 2026-03-10 11:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Resolved. Loan Amount increase is sufficient reason for
transfer tax to increase. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. 3/5/26: The COC dated XX/XX/XXXX indicates that the loan amount increased to XXX,XXX from XXX,XXX therefore the transfer taxes increased. - Buyer-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Valid COC is not available for County/City Tax/Stamps transfer tax. - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Resolved. Loan Amount increase is sufficient reason for
transfer tax to increase. - Due Diligence Vendor-03/10/2026 |
XXXXXXXXXX_XXXXX_Change In Circumstance.pdf | TN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7903570 | N/A | N/A | |||||
| OBX2026AHC1000055 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:52 | 2026-03-10 11:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Loan Amount increase is sufficient reason for
transfer tax to increase. - Due Diligence Vendor-03/10/2026 Ready for Review-Document Uploaded. 3/5/26: The COC dated XX/XX/XXXX indicates that the loan amount increased to XXX,XXX from XXX,XXX therefore the transfer taxes increased. - Buyer-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Valid COC is not available for County/City Tax/Stamps transfer tax. - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Resolved. Loan Amount increase is sufficient reason for
transfer tax to increase. - Due Diligence Vendor-03/10/2026 |
XXXXXXXXXX_XXXXX_Change In Circumstance.pdf | TN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7903571 | N/A | N/A | |||||
| OBX2026AHC1000058 | XXXXXXX | XXXXXX | Closed | 2026-03-04 11:53 | 2026-03-23 13:03 | Cured | 2 - Non-Material | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Cured-Lender re-opened rescission. This finding is non-material
and will be rated a B for all agencies. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Hello, Please see the attached NORTC. - Buyer-03/23/2026 Counter-Documentation in file 1008, 1003 and DU all indicate that this is a Primary residence therefore the NORTC is required. - Due Diligence Vendor-03/16/2026 Ready for Review-Hello this is a second home and it is not subject to the right of rescission. - Buyer-03/14/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties NORTC missing in file. - Due Diligence Vendor-03/04/2026 |
Cured-Lender re-opened rescission. This finding is non-material
and will be rated a B for all agencies. - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXX_Notice of Right to Cancel.pdf | MA | Primary Residence | Refinance | Cash Out - Other | 7923827 | N/A | N/A | |||||
| OBX2026AHC1000071 | XXXXXXX | XXXXXX | Closed | 2026-03-05 18:04 | 2026-03-13 13:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Lender provided Permanent Resident card - Due Diligence
Vendor-03/13/2026 Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Permanent Resident Card B2. - Seller-03/09/2026 Open-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Permanent Resident Card B2.
- Seller-03/09/2026 |
Resolved-Lender provided Permanent Resident card - Due Diligence
Vendor-03/13/2026 Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_Permanent Resident card B2.pdf | VA | Primary Residence | Purchase | NA | 7959353 | N/A | N/A | ||||
| OBX2026AHC1000071 | XXXXXXX | XXXXXX | Closed | 2026-03-05 18:04 | 2026-03-13 13:42 | Resolved | 1 - Information | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Lender provided Permanent Resident card - Due Diligence
Vendor-03/13/2026 Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Permanent Resident Card B1. - Seller-03/09/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Permanent Resident Card B1.
- Seller-03/09/2026 |
Resolved-Lender provided Permanent Resident card - Due Diligence
Vendor-03/13/2026 Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_Permanent Resident card B1.pdf | VA | Primary Residence | Purchase | NA | 7959352 | N/A | N/A | ||||
| OBX2026AHC1000071 | XXXXXXX | XXXXXX | Closed | 2026-03-05 07:47 | 2026-03-13 13:37 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Lender provided asset documentation. - Due Diligence
Vendor-03/13/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Total available assets $XXXX. Uploaded statements to support sufficient assets for closing. - Seller-03/09/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Total available assets
$XXXX. Uploaded statements to support sufficient assets for closing. - Seller-03/09/2026 |
Resolved-Lender provided asset documentation. - Due Diligence
Vendor-03/13/2026 Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_Assets.pdf | VA | Primary Residence | Purchase | NA | 7941203 | N/A | N/A | ||||
| OBX2026AHC1000073 | XXXXXXX | XXXXXX | Closed | 2026-03-05 07:09 | 2026-03-23 19:12 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit provided. - Due Diligence
Vendor-03/24/2026 Ready for Review-Document Uploaded. 3/18/26: The Toolkit and Tracking Log have been uploaded for your review. - Buyer-03/18/2026 Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-03/10/2026 |
Resolved-RESPA: Toolkit provided. - Due Diligence
Vendor-03/24/2026 |
XXXXXXXXXX_X_Tracking Log.pdf XXXXXXXXXX_XXXXXXXXXX_Toolkit.pdf |
NJ | Primary Residence | Purchase | NA | 7940086 | N/A | N/A | |||||
| OBX2026AHC1000073 | XXXXXXX | XXXXXX | Closed | 2026-03-10 08:11 | 2026-03-19 12:29 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Purchase | NA | 8017190 | N/A | N/A | ||||||
| OBX2026AHC1000073 | XXXXXXX | XXXXXX | Closed | 2026-03-05 09:08 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. Loan is eligible for an appraisal waiver #544 - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Purchase | NA | 7943121 | Investor Post-Close | No | ||||||
| OBX2026AHC1000078 | XXXXXXX | XXXXXX | Closed | 2026-03-05 07:36 | 2026-03-19 15:09 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 7940616 | N/A | N/A | ||||||
| OBX2026AHC1000078 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:11 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 7941624 | Investor Post-Close | No | ||||||
| OBX2026AHC1000078 | XXXXXXX | XXXXXX | Closed | 2026-03-05 06:40 | 2026-03-15 13:51 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/15/2026 Ready for Review-Document Uploaded. 3/13/26: The Privacy Notice has been uploaded for your review. - Buyer-03/13/2026 Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - Due Diligence Vendor-03/05/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_Privacy Disclosure.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7939588 | N/A | N/A | |||||
| OBX2026AHC1000082 | XXXXXXX | XXXXXX | Closed | 2026-03-06 07:25 | 2026-03-16 18:10 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Right of rescission not required - Due Diligence
Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/14/26: This loan paid off a construction loan. This loan was the long-term position of the loan. There is no recission period required when paying off temporary financing. - Seller-03/14/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Notice right to cancel is missing in the document file. - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. 3/14/26: This loan paid off
a construction loan. This loan was the long-term position of the loan. There
is no recission period required when paying off temporary financing. -
Seller-03/14/2026 |
Resolved-Right of rescission not required - Due Diligence
Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Recission-PCCD.pdf | ID | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7968885 | N/A | N/A | ||||
| OBX2026AHC1000082 | XXXXXXX | XXXXXX | Closed | 2026-03-06 07:25 | 2026-03-16 18:10 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Right of rescission not required - Due Diligence
Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/14/26: This loan paid off a construction loan. This loan was the long-term position of the loan. There is no recission period required when paying off temporary financing. - Seller-03/14/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Notice right to cancel is missing in the document file. - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. 3/14/26: This loan paid off
a construction loan. This loan was the long-term position of the loan. There
is no recission period required when paying off temporary financing. -
Seller-03/14/2026 |
Resolved-Right of rescission not required - Due Diligence
Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Recission-PCCD.pdf | ID | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7968884 | N/A | N/A | ||||
| OBX2026AHC1000082 | XXXXXXX | XXXXXX | Closed | 2026-03-05 22:28 | 2026-03-16 17:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Buyer-03/16/2026 Open-Missing Borrower Identification - Borrower 1. Missing ID for B1. - Due Diligence Vendor-03/06/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_patriot act.pdf | ID | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7963155 | N/A | N/A | |||||
| OBX2026AHC1000082 | XXXXXXX | XXXXXX | Closed | 2026-03-05 22:28 | 2026-03-16 17:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. - Buyer-03/16/2026 Open-Missing Borrower Identification - Borrower 2. Missing ID for B2. - Due Diligence Vendor-03/06/2026 |
Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_patriot act.pdf | ID | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7963156 | N/A | N/A | |||||
| OBX2026AHC1000088 | XXXXXXX | XXXXXX | Closed | 2026-03-09 09:35 | 2026-03-15 15:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-The lender provided a lender attestation stating closed
on Saturday. - Due Diligence Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. 3/13/26: The Lender Attestation confirming that the lender does not conduct business on Saturdays has been uploaded for your review. - Buyer-03/13/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Resolved-The lender provided a lender attestation stating closed
on Saturday. - Due Diligence Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender attestation.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7997016 | N/A | N/A | |||||
| OBX2026AHC1000088 | XXXXXXX | XXXXXX | Closed | 2026-03-09 09:35 | 2026-03-15 15:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-The lender provided a lender attestation stating closed
on Saturday. - Due Diligence Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. 3/13/26: The Lender Attestation confirming that the lender does not conduct business on Saturdays has been uploaded for your review. - Buyer-03/13/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Resolved-The lender provided a lender attestation stating closed
on Saturday. - Due Diligence Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender attestation.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7997015 | N/A | N/A | |||||
| OBX2026AHC1000088 | XXXXXXX | XXXXXX | Closed | 2026-03-09 09:35 | 2026-03-15 15:13 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-The lender provided a lender attestation stating closed
on Saturday. - Due Diligence Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. 3/13/26: The Lender Attestation confirming that the lender does not conduct business on Saturdays has been uploaded for your review. - Seller-03/13/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. 3/13/26: The Lender
Attestation confirming that the lender does not conduct business on Saturdays
has been uploaded for your review. - Seller-03/13/2026 |
Resolved-The lender provided a lender attestation stating closed
on Saturday. - Due Diligence Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender attestation.pdf | MD | Primary Residence | Refinance | Cash Out - Other | 7997014 | N/A | N/A | ||||
| OBX2026AHC1000097 | XXXXXXX | XXXXXX | Closed | 2026-03-06 07:54 | 2026-03-25 16:02 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Resolved- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
TN | Primary Residence | Refinance | Cash Out - Other | 7969640 | N/A | N/A | ||||||
| OBX2026AHC1000097 | XXXXXXX | XXXXXX | Closed | 2026-03-25 15:59 | 2026-03-25 16:01 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |
Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. This finding will be rated a B for
S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/25/2026 |
TN | Primary Residence | Refinance | Cash Out - Other | 8320928 | Investor Post-Close | No | ||||||
| OBX2026AHC1000105 | XXXXXXX | XXXXXX | Closed | 2026-03-10 13:04 | 2026-03-13 15:38 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value Subject Property Appraisal is completed
on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/12/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis Provided appraisal made is Subject to repairs and alterations date XX/XX/XXXX page #22, completion report date is XX/XX/XXXX page #50 Year Built of subject property is XXXX - Due Diligence Vendor-03/10/2026 |
Resolved-Primary Value Subject Property Appraisal is completed
on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_appraisal inspection.pdf | ID | Primary Residence | Purchase | NA | 8027162 | N/A | N/A | |||||
| OBX2026AHC1000105 | XXXXXXX | XXXXXX | Closed | 2026-03-06 00:48 | 2026-03-13 15:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification - Due Diligence Vendor-03/06/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_patriot act info.pdf | ID | Primary Residence | Purchase | NA | 7963919 | N/A | N/A | |||||
| OBX2026AHC1000113 | XXXXXXX | XXXXXX | Closed | 2026-03-06 04:56 | 2026-03-24 08:47 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is missing - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7965505 | N/A | N/A | ||||||
| OBX2026AHC1000113 | XXXXXXX | XXXXXX | Closed | 2026-03-10 12:56 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/10/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 8026977 | Investor Post-Close | No | ||||||
| OBX2026AHC1000116 | XXXXXXX | XXXXXX | Closed | 2026-03-25 16:03 | 2026-03-25 16:03 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. This finding will be rated a B for
S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/25/2026 |
OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8321016 | Investor Post-Close | No | ||||||
| OBX2026AHC1000116 | XXXXXXX | XXXXXX | Closed | 2026-03-11 12:53 | 2026-03-23 19:05 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Lender provided evidence of Property Taxes. Condition
cleared. - Due Diligence Vendor-03/24/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/24/2026 Ready for Review-Document Uploaded. - Buyer-03/23/2026 Open-Missing Evidence of Property Tax Tax cert missing in file - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided evidence of Property Taxes. Condition
cleared. - Due Diligence Vendor-03/24/2026 Resolved-Evidence of Property Tax is present - Due Diligence Vendor-03/24/2026 |
XXXXXXXXXX_XXXXXXX_tax cert.pdf | OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8051842 | N/A | N/A | |||||
| OBX2026AHC1000116 | XXXXXXX | XXXXXX | Closed | 2026-03-11 12:58 | 2026-03-19 12:31 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score is 3.6, valuations supporting document missing in file. - Due Diligence Vendor-03/11/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8051924 | N/A | N/A | ||||||
| OBX2026AHC1000116 | XXXXXXX | XXXXXX | Closed | 2026-03-18 16:47 | 2026-03-19 12:31 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8198049 | N/A | N/A | ||||||
| OBX2026AHC1000119 | XXXXXXX | XXXXXX | Closed | 2026-03-25 16:04 | 2026-03-25 16:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. This finding will be rated a B for
S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/25/2026 |
CT | Primary Residence | Purchase | NA | 8321022 | Investor Post-Close | No | ||||||
| OBX2026AHC1000119 | XXXXXXX | XXXXXX | Closed | 2026-03-11 14:41 | 2026-03-14 14:12 | Resolved | 1 - Information | Credit | Missing Doc | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Asset 3 Missing Borrower using pend sale amount for reserves and closing, however supporting document missing for same. - Due Diligence Vendor-03/11/2026 |
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence
Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_CD sale of prior home.pdf | CT | Primary Residence | Purchase | NA | 8054304 | N/A | N/A | |||||
| OBX2026AHC1000119 | XXXXXXX | XXXXXX | Closed | 2026-03-11 14:41 | 2026-03-14 14:12 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Borrower using pend sale amount for reserves and closing, however supporting document missing for same. - Due Diligence Vendor-03/11/2026 |
Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_CD sale of prior home.pdf | CT | Primary Residence | Purchase | NA | 8054305 | N/A | N/A | |||||
| OBX2026AHC1000121 | XXXXXXX | XXXXXX | Closed | 2026-03-25 10:32 | 2026-03-25 10:32 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/25/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
This finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-03/25/2026 |
CO | Primary Residence | Purchase | NA | 8313861 | Investor Post-Close | No | ||||||
| OBX2026AHC1000121 | XXXXXXX | XXXXXX | Closed | 2026-03-18 16:39 | 2026-03-19 12:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CO | Primary Residence | Purchase | NA | 8197567 | N/A | N/A | ||||||
| OBX2026AHC1000129 | XXXXXXX | XXXXXX | Closed | 2026-03-06 13:57 | 2026-03-25 10:32 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-This finding is non-material and will be rated a B
for all agencies. - Due Diligence Vendor-03/25/2026 Rescinded-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver - Due Diligence Vendor-03/06/2026 |
Acknowledged-This finding is non-material and will be rated a B
for all agencies. - Due Diligence Vendor-03/25/2026 Rescinded-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver - Due Diligence Vendor-03/06/2026 |
TX | Primary Residence | Purchase | NA | 7978269 | Investor Post-Close | No | ||||||
| OBX2026AHC1000129 | XXXXXXX | XXXXXX | Closed | 2026-03-06 13:43 | 2026-03-23 05:26 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/18/26: The COC Dated XX/XX/XXXX that indicates the increase in discount points has been uploaded for your review. - Seller-03/18/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The valid COC is missing for Points - Loan Discount $X,XXX.XX - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. 3/18/26: The COC Dated
XX/XX/XXXX that indicates the increase in discount points has been uploaded
for your review. - Seller-03/18/2026 |
Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXX_COC.pdf | TX | Primary Residence | Purchase | NA | 7977954 | N/A | N/A | ||||
| OBX2026AHC1000129 | XXXXXXX | XXXXXX | Closed | 2026-03-06 13:43 | 2026-03-23 05:26 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/18/26: The COC Dated XX/XX/XXXX that indicates the increase in discount points has been uploaded for your review. - Buyer-03/18/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The valid COC is missing for Points - Loan Discount $X,XXX.XX - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXX_COC.pdf | TX | Primary Residence | Purchase | NA | 7977953 | N/A | N/A | |||||
| OBX2026AHC1000129 | XXXXXXX | XXXXXX | Closed | 2026-03-10 06:20 | 2026-03-19 12:35 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
TX | Primary Residence | Purchase | NA | 8013923 | N/A | N/A | ||||||
| OBX2026AHC1000131 | XXXXXXX | XXXXXX | Closed | 2026-03-12 09:40 | 2026-03-19 12:37 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/12/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
HI | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8071101 | N/A | N/A | ||||||
| OBX2026AHC1000131 | XXXXXXX | XXXXXX | Closed | 2026-03-06 08:36 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. As per lender guidelines, this file is PIW hence secondary valuation is not required. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
HI | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7970461 | Investor Post-Close | No | ||||||
| OBX2026AHC1000131 | XXXXXXX | XXXXXX | Closed | 2026-03-06 08:13 | 2026-03-17 14:04 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided itemization of the lender credits. -
Due Diligence Vendor-03/17/2026 Resolved-. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached the Itemization of Settlement Charges for the final CD which itemizes the loan fees and costs. This indicates the fees/charges paid by the borrower and those paid by the lender credit. Only the prepaid finance charge fees actually paid by the borrower are included in the finance charge calculations. For your ease of review, I have highlighted the prepaid finance charges paid by the borrower and included in the finance charge calculation. The finance charges are accurately disclosed on the final CD dated XX/XX/XXXX. - Buyer-03/17/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include the loan origination charges in the amount of $XXXX.XX in the calculation. - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided itemization of the lender credits. -
Due Diligence Vendor-03/17/2026 Resolved-. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_Itemization of Settlement Charges.pdf | HI | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7970008 | N/A | N/A | |||||
| OBX2026AHC1000133 | XXXXXXX | XXXXXX | Closed | 2026-03-06 10:39 | 2026-03-17 13:37 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided itemization of lender credits. - Due
Diligence Vendor-03/17/2026 Resolved-. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please find attached the Itemization of Settlement Charges for the final CD which itemizes the loan fees and costs. This indicates the fees/charges paid by the borrower and those paid by the lender credit. Only the prepaid finance charge fees actually paid by the borrower are included in the finance charge calculations. For your ease of review, I have highlighted the prepaid finance charges paid by the borrower and included in the finance charge calculation. The finance charges are accurately disclosed on the final CD dated XX/XX/XXXX. - Buyer-03/17/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided itemization of lender credits. - Due
Diligence Vendor-03/17/2026 Resolved-. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Itemization of Settlement Charges.pdf | HI | Primary Residence | Refinance | Cash Out - Other | 7973905 | N/A | N/A | |||||
| OBX2026AHC1000135 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:24 | 2026-03-25 16:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-This finding will be rated a B for S&P. All
other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-This finding will be rated a B for S&P. All
other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
UT | Primary Residence | Purchase | NA | 8187139 | Investor Post-Close | No | ||||||
| OBX2026AHC1000135 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:37 | 2026-03-19 12:39 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
UT | Primary Residence | Purchase | NA | 8187442 | N/A | N/A | ||||||
| OBX2026AHC1000135 | XXXXXXX | XXXXXX | Closed | 2026-03-14 09:59 | 2026-03-18 11:39 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid fourth valuation supporting the origination appraisal value is not present. Tertiary valuation AVM returned a value which exceeds 10% variance (-26.81%) from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/14/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
UT | Primary Residence | Purchase | NA | 8111799 | N/A | N/A | ||||||
| OBX2026AHC1000135 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:24 | 2026-03-18 11:39 | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
UT | Primary Residence | Purchase | NA | 8187138 | N/A | N/A | ||||||
| OBX2026AHC1000142 | XXXXXXX | XXXXXX | Closed | 2026-03-06 13:53 | 2026-03-06 13:53 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/06/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not
Provided Timely. - Due Diligence Vendor-03/06/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 7978132 | Investor Post-Close | No | ||||||
| OBX2026AHC1000150 | XXXXXXX | XXXXXX | Closed | 2026-03-09 15:28 | 2026-03-19 12:49 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is missing - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 8006151 | N/A | N/A | ||||||
| OBX2026AHC1000150 | XXXXXXX | XXXXXX | Closed | 2026-03-09 15:51 | 2026-03-12 16:05 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/12/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-03/12/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 8006545 | Investor Post-Close | No | ||||||
| OBX2026AHC1000168 | XXXXXXX | XXXXXX | Closed | 2026-03-12 13:04 | 2026-03-17 12:38 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see attached Final CD - Buyer-03/17/2026 Open-TRID: Missing Final Closing Disclosure Final CD missing in file - Due Diligence Vendor-03/12/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_FinalCD.pdf | PA | Primary Residence | Purchase | NA | 8077669 | N/A | N/A | |||||
| OBX2026AHC1000169 | XXXXXXX | XXXXXX | Closed | 2026-03-09 08:24 | 2026-03-17 11:28 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided documentation of Title - Final Title
record/Gap check as a title abstract fee and should not be included in the
APR fees. and Appraisal management fee should be included in the APR fees -
Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/16/26: The Lender LOE breakdown has been uploaded for your review. - Seller-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. 3/16/26: The Lender LOE
breakdown has been uploaded for your review. - Seller-03/16/2026 |
Resolved-Lender provided documentation of Title - Final Title
record/Gap check as a title abstract fee and should not be included in the
APR fees. and Appraisal management fee should be included in the APR fees -
Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender LOE.pdf | OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7994549 | N/A | N/A | ||||
| OBX2026AHC1000169 | XXXXXXX | XXXXXX | Closed | 2026-03-09 08:24 | 2026-03-16 10:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-lender provided the COC adding the verification fee. -
Due Diligence Vendor-03/16/2026 Resolved- - Due Diligence Vendor-03/16/2026 Resolved- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/13/26: Please see the attached COC dated 11/24/25 indicating the addition of the Verification fee to the LE dated XX/XX/XXXX. - Buyer-03/13/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Resolved-lender provided the COC adding the verification fee. -
Due Diligence Vendor-03/16/2026 Resolved- - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Change In Circumstance.pdf | OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7994551 | N/A | N/A | |||||
| OBX2026AHC1000169 | XXXXXXX | XXXXXX | Closed | 2026-03-09 08:24 | 2026-03-16 10:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-lender provided the COC adding the verification fee. -
Due Diligence Vendor-03/16/2026 Resolved- - Due Diligence Vendor-03/16/2026 Resolved- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/13/26: Please see the attached COC dated XX/XX/XXXX indicating the addition of the Verification fee to the LE dated XX/XX/XXXX. - Seller-03/13/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. 3/13/26: Please see the
attached COC dated XX/XX/XXXX indicating the addition of the Verification fee
to the LE dated XX/XX/XXXX. - Seller-03/13/2026 |
Resolved-lender provided the COC adding the verification fee. -
Due Diligence Vendor-03/16/2026 Resolved- - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Change In Circumstance.pdf | OK | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7994552 | N/A | N/A | ||||
| OBX2026AHC1000177 | XXXXXXX | XXXXXX | Closed | 2026-03-06 11:08 | 2026-03-18 10:18 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
CA | Primary Residence | Purchase | NA | 7974527 | N/A | N/A | ||||||
| OBX2026AHC1000177 | XXXXXXX | XXXXXX | Closed | 2026-03-06 12:16 | 2026-03-14 14:32 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided XXXX statement to verify debt. - Due
Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-As per 1003 section C mentioned "New XXXXX #XXXX" debt with balance $XXX.XX and payment $XX, supporting document is missing in file - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided XXXX statement to verify debt. - Due
Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXX_XXXXX #XXXX.pdf | CA | Primary Residence | Purchase | NA | 7975915 | N/A | N/A | |||||
| OBX2026AHC1000188 | XXXXXXX | XXXXXX | Closed | 2026-03-09 11:45 | 2026-03-19 12:54 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 8000535 | N/A | N/A | ||||||
| OBX2026AHC1000188 | XXXXXXX | XXXXXX | Closed | 2026-03-06 12:44 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/09/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7976578 | Investor Post-Close | No | ||||||
| OBX2026AHC1000208 | XXXXXXX | XXXXXX | Closed | 2026-03-11 16:35 | 2026-03-14 15:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Lender provided the Pension award letter. - Due
Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-For Pension income $X,XXX.XX document is missing - Due Diligence Vendor-03/11/2026 |
Resolved-Lender provided the Pension award letter. - Due
Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_pension statement.pdf | AZ | Primary Residence | Purchase | NA | 8056828 | N/A | N/A | |||||
| OBX2026AHC1000210 | XXXXXXX | XXXXXX | Closed | 2026-03-09 14:09 | 2026-03-19 12:56 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is missing in file - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
MN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8004382 | N/A | N/A | ||||||
| OBX2026AHC1000210 | XXXXXXX | XXXXXX | Closed | 2026-03-06 11:35 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
MN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7975089 | Investor Post-Close | No | ||||||
| OBX2026AHC1000217 | XXXXXXX | XXXXXX | Closed | 2026-03-06 14:42 | 2026-03-19 13:24 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
AL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7979261 | N/A | N/A | ||||||
| OBX2026AHC1000217 | XXXXXXX | XXXXXX | Closed | 2026-03-18 10:52 | 2026-03-19 13:24 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
AL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8186318 | N/A | N/A | ||||||
| OBX2026AHC1000217 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:43 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
AL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8187605 | Investor Post-Close | No | ||||||
| OBX2026AHC1000218 | XXXXXXX | XXXXXX | Closed | 2026-03-06 07:10 | 2026-03-14 14:47 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and
note is dated XX/XX/XXXX. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/06/2026 |
Resolved-Borrower 2 photo ID expiration date is XX/XX/XXXX and
note is dated XX/XX/XXXX. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXX_IDs b1 b2.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7968379 | N/A | N/A | |||||
| OBX2026AHC1000220 | XXXXXXX | XXXXXX | Closed | 2026-03-10 06:48 | 2026-03-19 13:27 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Purchase | NA | 8015577 | N/A | N/A | ||||||
| OBX2026AHC1000220 | XXXXXXX | XXXXXX | Closed | 2026-03-09 13:56 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/09/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Purchase | NA | 8003963 | Investor Post-Close | No | ||||||
| OBX2026AHC1000221 | XXXXXXX | XXXXXX | Closed | 2026-03-10 10:00 | 2026-03-19 13:30 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 8020953 | N/A | N/A | ||||||
| OBX2026AHC1000221 | XXXXXXX | XXXXXX | Closed | 2026-03-06 10:52 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7974174 | Investor Post-Close | No | ||||||
| OBX2026AHC1000225 | XXXXXXX | XXXXXX | Closed | 2026-03-07 09:55 | 2026-03-19 13:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/07/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
OR | Primary Residence | Purchase | NA | 7984946 | N/A | N/A | ||||||
| OBX2026AHC1000225 | XXXXXXX | XXXXXX | Closed | 2026-03-07 05:58 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. File qualified based on PIW, Added finding for Post close review. - Due Diligence Vendor-03/07/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
OR | Primary Residence | Purchase | NA | 7984643 | Investor Post-Close | No | ||||||
| OBX2026AHC1000226 | XXXXXXX | XXXXXX | Closed | 2026-03-09 03:27 | 2026-03-14 14:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Permanent Resident Alien Card (Borrower 2) | Resolved-Lender provided borrowers permanent resident card. -
Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Missing Borrower 2 permanent resident alien card Borrower 2 is permanent resident, Valid Evidence is missing to verify - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided borrowers permanent resident card. -
Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXX_resident alien card.pdf XXXXXXXXXX_XXX_resident alien card.pdf |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7989871 | N/A | N/A | |||||
| OBX2026AHC1000230 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:14 | 2026-03-15 15:16 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/15/2026 Ready for Review-Document Uploaded. 3/13/26: The Privacy Notice has been uploaded for your review. - Buyer-03/13/2026 Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-03/05/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_ privacy policy.pdf | PA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7957327 | N/A | N/A | |||||
| OBX2026AHC1000237 | XXXXXXX | XXXXXX | Closed | 2026-03-06 12:30 | 2026-03-23 19:09 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/24/2026 Ready for Review-Document Uploaded. 3/17/26: The Privacy Notice has been uploaded for your review. - Buyer-03/17/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-03/06/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_privacy disclosure.pdf | NJ | Primary Residence | Purchase | NA | 7976204 | N/A | N/A | |||||
| OBX2026AHC1000238 | XXXXXXX | XXXXXX | Closed | 2026-03-08 14:25 | 2026-03-15 15:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-Lender provided updated 1008 and LPA - Due Diligence
Vendor-03/15/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/12/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing document to validate HOA dues of $X on subject property. - Due Diligence Vendor-03/08/2026 |
Resolved-Lender provided updated 1008 and LPA - Due Diligence
Vendor-03/15/2026 Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-03/12/2026 |
WI | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7987313 | N/A | N/A | ||||||
| OBX2026AHC1000238 | XXXXXXX | XXXXXX | Closed | 2026-03-08 14:25 | 2026-03-15 15:34 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender updated 1008 and LPA to show no HOA fee. - Due
Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Missing document to validate HOA dues of $X on subject property. - Due Diligence Vendor-03/08/2026 |
Resolved-Lender updated 1008 and LPA to show no HOA fee. - Due
Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_$X HOA fee removed.pdf | WI | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7987312 | N/A | N/A | |||||
| OBX2026AHC1000239 | XXXXXXX | XXXXXX | Closed | 2026-03-06 12:43 | 2026-03-17 08:25 | Resolved | 1 - Information | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Resolved-FACTA Notice to Home Loan Applicant & Risk Based
Pricing/Credit Score Disclosure provided. - Due Diligence Vendor-03/17/2026
Ready for Review-Document Uploaded. - Buyer-03/16/2026 Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. - Due Diligence Vendor-03/06/2026 |
Resolved-FACTA Notice to Home Loan Applicant & Risk Based
Pricing/Credit Score Disclosure provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Credit Score Disclosure.pdf | CO | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7976555 | N/A | N/A | |||||
| OBX2026AHC1000242 | XXXXXXX | XXXXXX | Closed | 2026-03-06 09:26 | 2026-03-14 11:14 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7971521 | N/A | N/A | ||||||
| OBX2026AHC1000244 | XXXXXXX | XXXXXX | Closed | 2026-03-06 06:02 | 2026-03-14 15:42 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Lender provided the settlement statement for property
3a - Due Diligence Vendor-03/14/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/12/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing document to verify pending sale of REO 3a - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided the settlement statement for property
3a - Due Diligence Vendor-03/14/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/12/2026 |
PA | Primary Residence | Purchase | NA | 7966076 | N/A | N/A | ||||||
| OBX2026AHC1000244 | XXXXXXX | XXXXXX | Closed | 2026-03-06 06:04 | 2026-03-14 15:40 | Resolved | 1 - Information | Credit | Assets | Asset General | Resolved-Lender provided the settlement statement for property
3a - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Missing document to verify pending sale of REO 3a - Due Diligence Vendor-03/06/2026 |
Resolved-Lender provided the settlement statement for property
3a - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_REO 3a.pdf | PA | Primary Residence | Purchase | NA | 7966101 | N/A | N/A | |||||
| OBX2026AHC1000245 | XXXXXXX | XXXXXX | Closed | 2026-03-10 06:43 | 2026-03-19 13:38 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
DE | Primary Residence | Purchase | NA | 8015481 | N/A | N/A | ||||||
| OBX2026AHC1000245 | XXXXXXX | XXXXXX | Closed | 2026-03-05 07:19 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
DE | Primary Residence | Purchase | NA | 7940323 | Investor Post-Close | No | ||||||
| OBX2026AHC1000247 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:20 | 2026-03-19 13:42 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7941864 | N/A | N/A | ||||||
| OBX2026AHC1000247 | XXXXXXX | XXXXXX | Closed | 2026-03-10 10:12 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/10/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8021521 | Investor Post-Close | No | ||||||
| OBX2026AHC1000256 | XXXXXXX | XXXXXX | Closed | 2026-03-08 13:45 | 2026-03-19 13:47 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation is missing in the file - Due Diligence Vendor-03/08/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
AL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7987268 | N/A | N/A | ||||||
| OBX2026AHC1000256 | XXXXXXX | XXXXXX | Closed | 2026-03-05 12:51 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/08/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
AL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7950156 | Investor Post-Close | No | ||||||
| OBX2026AHC1000258 | XXXXXXX | XXXXXX | Closed | 2026-03-05 11:40 | 2026-03-25 10:36 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-This finding is non-material and will be rated a B
for all agencies. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/25/2026 Open- - Due Diligence Vendor-03/25/2026 Acknowledged-Finding is acknowledged. - Due Diligence Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW (#XX,XXX) - Due Diligence Vendor-03/05/2026 |
Acknowledged-This finding is non-material and will be rated a B
for all agencies. - Due Diligence Vendor-03/25/2026 Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/25/2026 Acknowledged-Finding is acknowledged. - Due Diligence Vendor-03/19/2026 |
WI | Primary Residence | Refinance | Cash Out - Other | 7948610 | Investor Post-Close | No | ||||||
| OBX2026AHC1000261 | XXXXXXX | XXXXXX | Closed | 2026-03-05 12:32 | 2026-03-19 14:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/19/2026 Ready for Review-Document Uploaded. - Buyer-03/18/2026 Counter-ID provided expired prior to application date. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/09/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/05/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/19/2026 |
XXXXXXXXXX_XXXXXXXXXX_ID.pdf XXXXXXXXXX_XXXXXXXXXX_ID exp yr XXXX.pdf |
RI | Primary Residence | Purchase | NA | 7949804 | N/A | N/A | |||||
| OBX2026AHC1000275 | XXXXXXX | XXXXXX | Closed | 2026-03-06 05:42 | 2026-03-18 10:22 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Another secondary valuation supporting document is required as CU score is 2.9 - Due Diligence Vendor-03/07/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
TX | Primary Residence | Purchase | NA | 7965919 | N/A | N/A | ||||||
| OBX2026AHC1000276 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:52 | 2026-03-25 10:36 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-This finding is non-material and will be rated a B
for all agencies. - Due Diligence Vendor-03/25/2026 Rescinded-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 |
Acknowledged-This finding is non-material and will be rated a B
for all agencies. - Due Diligence Vendor-03/25/2026 Rescinded-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 7942679 | Investor Post-Close | No | ||||||
| OBX2026AHC1000276 | XXXXXXX | XXXXXX | Closed | 2026-03-18 16:40 | 2026-03-19 14:08 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 8197664 | N/A | N/A | ||||||
| OBX2026AHC1000279 | XXXXXXX | XXXXXX | Closed | 2026-03-08 19:33 | 2026-03-19 14:10 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 7988542 | N/A | N/A | ||||||
| OBX2026AHC1000279 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:39 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/09/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 7942391 | Investor Post-Close | No | ||||||
| OBX2026AHC1000279 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:28 | 2026-03-17 13:04 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due
Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. - Buyer-03/17/2026 Open-Missing Payoff Statement for prior loan. Please provide payoff statement for 3a property as per final 1003 - Due Diligence Vendor-03/09/2026 |
Resolved-Payoff Statement for prior loan provided. - Due
Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_payoff statements.pdf | CT | Primary Residence | Refinance | Cash Out - Other | 7942102 | N/A | N/A | |||||
| OBX2026AHC1000279 | XXXXXXX | XXXXXX | Closed | 2026-03-05 12:23 | 2026-03-15 13:47 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided required documentation. - Due Diligence
Vendor-03/15/2026 Ready for Review-Document Uploaded. - Buyer-03/13/2026 Open-Please provide supporting document for 5th liability as per final 1003 - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided required documentation. - Due Diligence
Vendor-03/15/2026 |
XXXXXXXXXX_XXXX_5th liability.pdf | CT | Primary Residence | Refinance | Cash Out - Other | 7949658 | N/A | N/A | |||||
| OBX2026AHC1000280 | XXXXXXX | XXXXXX | Closed | 2026-03-05 15:55 | 2026-03-23 19:11 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit provided. - Due Diligence
Vendor-03/24/2026 Ready for Review-Document Uploaded. 3/19/26: Disclosure Tracking indicating the Home Loan Toolkit was provided to the borrower has been uploaded for your review. - Buyer-03/19/2026 Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-03/05/2026 |
Resolved-RESPA: Toolkit provided. - Due Diligence
Vendor-03/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_ Disclosure tracking.pdf | NV | Primary Residence | Purchase | NA | 7953870 | N/A | N/A | |||||
| OBX2026AHC1000280 | XXXXXXX | XXXXXX | Closed | 2026-03-05 15:31 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NV | Primary Residence | Purchase | NA | 7953364 | Investor Post-Close | No | ||||||
| OBX2026AHC1000291 | XXXXXXX | XXXXXX | Closed | 2026-03-25 10:21 | 2026-03-25 10:21 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 | Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. This finding will be rated a B for S&P. All other
agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |
CA | Primary Residence | Purchase | NA | 8313001 | Investor Post-Close | No | ||||||
| OBX2026AHC1000291 | XXXXXXX | XXXXXX | Closed | 2026-03-05 09:39 | 2026-03-25 10:11 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Finding Added - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
CA | Primary Residence | Purchase | NA | 7943803 | N/A | N/A | ||||||
| OBX2026AHC1000291 | XXXXXXX | XXXXXX | Closed | 2026-03-05 09:47 | 2026-03-13 14:36 | Resolved | 1 - Information | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Lender provided documentation that the loan disbursed
after the hazard insurance effective date. - Due Diligence Vendor-03/13/2026
Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Uploaded Post Closing Disclosure reflecting disbursement of XX/XX/XXXX. HOI is effective prior to disbursement. - Buyer-03/10/2026 Open-HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided documentation that the loan disbursed
after the hazard insurance effective date. - Due Diligence
Vendor-03/13/2026 |
XXXXXXXXXX_XXX_Post_CD_.pdf | CA | Primary Residence | Purchase | NA | 7944061 | N/A | N/A | |||||
| OBX2026AHC1000297 | XXXXXXX | XXXXXX | Closed | 2026-03-09 16:57 | 2026-03-16 09:44 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided missing tax document. - Due Diligence
Vendor-03/16/2026 Ready for Review-Document Uploaded. Uploaded tax document. - Buyer-03/13/2026 Open-Tax Document missing for Reo property Which is XXXXXX XX XXXXXXXXXX XX XXXXX. Loss Amount -$XX.XX - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided missing tax document. - Due Diligence
Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Property Tax Bill.pdf | VA | Primary Residence | Refinance | Cash Out - Other | 8007567 | N/A | N/A | |||||
| OBX2026AHC1000305 | XXXXXXX | XXXXXX | Closed | 2026-03-04 06:33 | 2026-03-23 05:41 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Lender provided RTC. Condition cleared. - Due Diligence
Vendor-03/23/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/17/26: Please see uploaded Lender LOE- Borrowers do not require to sign on the Notice of right to cancel unless borrower wish to cancel. It’s a notice to borrower. - Buyer-03/17/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided RTC. Condition cleared. - Due Diligence
Vendor-03/23/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXX__Lender LOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7915501 | N/A | N/A | |||||
| OBX2026AHC1000313 | XXXXXXX | XXXXXX | Closed | 2026-03-04 23:55 | 2026-03-05 01:16 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-03/05/2026 |
IL | Primary Residence | Purchase | NA | 7935522 | Investor Post-Close | No | ||||||
| OBX2026AHC1000317 | XXXXXXX | XXXXXX | Closed | 2026-03-10 15:04 | 2026-03-17 08:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided documentation supporting the missing
debt. - Due Diligence Vendor-03/17/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/17/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided documentation supporting the missing
debt. - Due Diligence Vendor-03/17/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/17/2026 |
WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8029835 | N/A | N/A | ||||||
| OBX2026AHC1000317 | XXXXXXX | XXXXXX | Closed | 2026-03-04 12:49 | 2026-03-17 08:57 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided documentation supporting the missing
debt. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded supporting documentation for XXXXXX XXX #XXXX with outstanding balance of $XXX and monthly payment of $XX. - Buyer-03/16/2026 Open-Provided Lasted account statement for XXXXXX XXX #XXXX with outstanding balance of $XXX and monthly payment of $XX per Final 1003. - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided documentation supporting the missing
debt. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXX_Liability Doc.pdf | WA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7925919 | N/A | N/A | |||||
| OBX2026AHC1000325 | XXXXXXX | XXXXXX | Closed | 2026-03-04 11:10 | 2026-03-13 13:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. VVOE - Buyer-03/09/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provided document date is expired from note date - Due Diligence Vendor-03/04/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_VVOE.pdf | CA | Primary Residence | Purchase | NA | 7921957 | N/A | N/A | |||||
| OBX2026AHC1000331 | XXXXXXX | XXXXXX | Closed | 2026-03-04 08:18 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver, PIW grading applies - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
CA | Primary Residence | Purchase | NA | 7917164 | Investor Post-Close | No | ||||||
| OBX2026AHC1000332 | XXXXXXX | XXXXXX | Closed | 2026-03-08 20:03 | 2026-03-17 08:38 | Resolved | 1 - Information | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Resolved-FACTA Notice to Home Loan Applicant & Risk Based
Pricing/Credit Score Disclosure provided. - Due Diligence Vendor-03/17/2026
Ready for Review-Document Uploaded. Hello, please see the attached FACTA notice. - Buyer-03/16/2026 Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. - Due Diligence Vendor-03/09/2026 |
Resolved-FACTA Notice to Home Loan Applicant & Risk Based
Pricing/Credit Score Disclosure provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_FACTA.pdf | NM | Primary Residence | Refinance | Cash Out - Other | 7988560 | N/A | N/A | |||||
| OBX2026AHC1000343 | XXXXXXX | XXXXXX | Closed | 2026-03-10 14:39 | 2026-03-17 13:38 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached Privacy Policy. - Buyer-03/17/2026 Counter-Lender provided the Insurance company privacy policy; however the Lenders Privacy policy is required. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Hello, please see the attached Privacy Policy. - Buyer-03/13/2026 Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - Due Diligence Vendor-03/10/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXX_Privacy Policy.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 8029286 | N/A | N/A | |||||
| OBX2026AHC1000358 | XXXXXXX | XXXXXX | Closed | 2026-03-08 16:30 | 2026-03-17 09:50 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal
delivery provided. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the econsent obtained prior to appraisal delivery. - Buyer-03/16/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. E-Consent documentation is missing for Co-borrower. E-Sign date is XX/XX/XXXX vs E-Sign Disclosure Date is XX/XX/XXXX - Due Diligence Vendor-03/08/2026 |
Resolved-Sufficient E-Consent documentation for appraisal
delivery provided. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXX_eConsent.pdf | CA | Primary Residence | Purchase | NA | 7987576 | N/A | N/A | |||||
| OBX2026AHC1000358 | XXXXXXX | XXXXXX | Closed | 2026-03-08 16:29 | 2026-03-17 09:38 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due
Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the econsent obtained prior to appraisal delivery. - Buyer-03/16/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for Co-borrower. E-Sign date is XX/XX/XXXX vs E-Sign Disclosure Date is XX/XX/XXXX - Due Diligence Vendor-03/08/2026 |
Resolved-E-Consent documentation for borrower(s) provided. - Due
Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXX_eConsent.pdf | CA | Primary Residence | Purchase | NA | 7987575 | N/A | N/A | |||||
| OBX2026AHC1000359 | XXXXXXX | XXXXXX | Closed | 2026-03-08 09:52 | 2026-03-17 11:13 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached appraisal delivery attestation. - Buyer-03/16/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/08/2026 |
Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXX_Appraisal Receipt Acknowledgement.pdf | LA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7986569 | N/A | N/A | |||||
| OBX2026AHC1000359 | XXXXXXX | XXXXXX | Closed | 2026-03-04 07:56 | 2026-03-17 11:12 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached privacy policy - Buyer-03/16/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-03/04/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXX_Privacy Policy.pdf | LA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7916649 | N/A | N/A | |||||
| OBX2026AHC1000360 | XXXXXXX | XXXXXX | Closed | 2026-03-25 10:37 | 2026-03-25 10:37 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/25/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
This finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-03/25/2026 |
NJ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8313955 | Investor Post-Close | No | ||||||
| OBX2026AHC1000360 | XXXXXXX | XXXXXX | Closed | 2026-03-06 12:23 | 2026-03-19 14:28 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7976045 | N/A | N/A | ||||||
| OBX2026AHC1000360 | XXXXXXX | XXXXXX | Closed | 2026-03-04 07:25 | 2026-03-19 14:21 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Photo ID for both borrowers. - Buyer-03/13/2026 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification - Borrower 1 - Due Diligence Vendor-03/04/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_ID.pdf | NJ | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7916127 | N/A | N/A | |||||
| OBX2026AHC1000365 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:44 | 2026-03-24 08:49 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. id secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7957846 | N/A | N/A | ||||||
| OBX2026AHC1000365 | XXXXXXX | XXXXXX | Closed | 2026-03-05 16:53 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7958010 | Investor Post-Close | No | ||||||
| OBX2026AHC1000366 | XXXXXXX | XXXXXX | Closed | 2026-03-04 12:06 | 2026-03-14 14:24 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD proving actual disbursement date.
- Due Diligence Vendor-03/14/2026 Resolved-Resolved - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. 3/13/26: The PCCD dated XX/XX/XXXX with the correct disbursement date of XX/XX/XXXX has been uploaded for your review. - Buyer-03/13/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) 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) per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided PCCD proving actual disbursement date.
- Due Diligence Vendor-03/14/2026 Resolved-Resolved - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXX_PCCD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7924233 | N/A | N/A | |||||
| OBX2026AHC1000370 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:43 | 2026-03-19 14:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/03/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
GA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7903416 | N/A | N/A | ||||||
| OBX2026AHC1000370 | XXXXXXX | XXXXXX | Closed | 2026-03-05 06:25 | 2026-03-05 06:25 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/05/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not
Provided Timely. - Due Diligence Vendor-03/05/2026 |
GA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7938702 | Investor Post-Close | No | ||||||
| OBX2026AHC1000370 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:59 | 2026-03-05 06:19 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-03/03/2026 |
GA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7903735 | Investor Post-Close | No | ||||||
| OBX2026AHC1000372 | XXXXXXX | XXXXXX | Closed | 2026-03-03 14:17 | 2026-03-13 13:17 | Resolved | 1 - Information | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Lender provided Seller CD for Net proceeds from
departing residence. - Due Diligence Vendor-03/13/2026 Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Uploaded final closing disclosure from sale. - Buyer-03/09/2026 Open-Asset Record 3 Does Not Meet G/L Requirements Missing proceeds from Real Estate Property document - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided Seller CD for Net proceeds from
departing residence. - Due Diligence Vendor-03/13/2026 Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_Seller Closing Disclosure.pdf | TX | Primary Residence | Purchase | NA | 7904555 | N/A | N/A | |||||
| OBX2026AHC1000372 | XXXXXXX | XXXXXX | Closed | 2026-03-03 14:17 | 2026-03-13 13:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. Uploaded final closing disclosure from sale. - Buyer-03/09/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing proceeds from Real Estate Property document - Due Diligence Vendor-03/03/2026 |
Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-03/12/2026 |
XXXXXXXXXX_XXXXXX_Seller Closing Disclosure.pdf | TX | Primary Residence | Purchase | NA | 7904556 | N/A | N/A | |||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:30 | 2026-03-19 14:35 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/03/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
MO | Primary Residence | Refinance | Cash Out - Other | 7903069 | N/A | N/A | ||||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 12:40 | 2026-03-19 14:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided the Patriot Act Form and photo ID. -
Due Diligence Vendor-03/13/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/09/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/09/2026 |
Resolved-Lender provided the Patriot Act Form and photo ID. -
Due Diligence Vendor-03/13/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_IDs b1 and b2.pdf | MO | Primary Residence | Refinance | Cash Out - Other | 7901496 | N/A | N/A | ||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 12:40 | 2026-03-19 14:12 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Lender provided the Patriot Act Form and photo ID. -
Due Diligence Vendor-03/13/2026 Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/09/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-03/03/2026 |
Ready for Review-Document Uploaded. - Seller-03/09/2026 |
Resolved-Lender provided the Patriot Act Form and photo ID. -
Due Diligence Vendor-03/13/2026 Resolved-Borrower Identification - Borrower 2 provided. - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_IDs b1 and b2.pdf | MO | Primary Residence | Refinance | Cash Out - Other | 7901497 | N/A | N/A | ||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:56 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
MO | Primary Residence | Refinance | Cash Out - Other | 7903657 | Investor Post-Close | No | ||||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:35 | 2026-03-13 12:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided documentation that lender is closed on
Saturday. - Due Diligence Vendor-03/13/2026 Rescinded-Lender provided documentation that lender is closed on Saturday. - Due Diligence Vendor-03/13/2026 Rescinded- - Due Diligence Vendor-03/13/2026 Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of Scope - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided documentation that lender is closed on
Saturday. - Due Diligence Vendor-03/13/2026 Rescinded-Lender provided documentation that lender is closed on Saturday. - Due Diligence Vendor-03/13/2026 Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out of Scope - Due Diligence Vendor-03/03/2026 |
MO | Primary Residence | Refinance | Cash Out - Other | 7903201 | N/A | N/A | ||||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:56 | 2026-03-13 12:52 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure
provided timely. Lender provided documentation that lender is closed on
Saturday. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Please see attached LOE indicating XXX XXXXXXX XXXXX XXXX is closed for business on Saturday. This has been uploaded for your review. - Buyer-03/13/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX - Due Diligence Vendor-03/03/2026 |
Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure
provided timely. Lender provided documentation that lender is closed on
Saturday. - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_LOE.pdf | MO | Primary Residence | Refinance | Cash Out - Other | 7903656 | N/A | N/A | |||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:35 | 2026-03-13 12:50 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided documentation that lender is closed on
Saturday. - Due Diligence Vendor-03/13/2026 Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. 3/13/26: Please see attached LOE indicating XXX XXXXXXX XXXXX XXXX is closed for business on Saturday. This has been uploaded for your review. - Buyer-03/13/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is XX/XX/XXXX; however, the initial disclosures were not provided until XX/XX/XXXX. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided documentation that lender is closed on
Saturday. - Due Diligence Vendor-03/13/2026 Resolved-Lender provided the missing business bank statements - Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_LOE.pdf | MO | Primary Residence | Refinance | Cash Out - Other | 7903200 | N/A | N/A | |||||
| OBX2026AHC1000378 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:35 | 2026-03-13 12:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender provided documentation that the lender is closed
on Saturday. - Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. 3/13/26: Please see attached LOE indicating XXX XXXXXXX XXXXX XXXX is closed for business on Saturday. This has been uploaded for your review. - Buyer-03/13/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided documentation that the lender is closed
on Saturday. - Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_LOE.pdf | MO | Primary Residence | Refinance | Cash Out - Other | 7903199 | N/A | N/A | |||||
| OBX2026AHC1000380 | XXXXXXX | XXXXXX | Closed | 2026-03-04 12:42 | 2026-03-19 14:40 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CA | Primary Residence | Purchase | NA | 7925648 | N/A | N/A | ||||||
| OBX2026AHC1000380 | XXXXXXX | XXXXXX | Closed | 2026-03-04 13:14 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/04/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
CA | Primary Residence | Purchase | NA | 7926676 | Investor Post-Close | No | ||||||
| OBX2026AHC1000382 | XXXXXXX | XXXXXX | Closed | 2026-03-04 11:01 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
TN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7921723 | Investor Post-Close | No | ||||||
| OBX2026AHC1000384 | XXXXXXX | XXXXXX | Closed | 2026-03-04 12:05 | 2026-03-18 10:25 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
OH | Primary Residence | Refinance | Cash Out - Other | 7924198 | N/A | N/A | ||||||
| OBX2026AHC1000384 | XXXXXXX | XXXXXX | Closed | 2026-03-04 12:26 | 2026-03-05 05:24 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/04/2026 | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence
appraisal was provided to applicant. - Due Diligence Vendor-03/04/2026 |
OH | Primary Residence | Refinance | Cash Out - Other | 7925008 | Investor Post-Close | No | ||||||
| OBX2026AHC1000386 | XXXXXXX | XXXXXX | Closed | 2026-03-25 16:05 | 2026-03-25 16:05 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. This finding will be rated a B for
S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |
Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. This finding will be rated a B for
S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 |
GA | Primary Residence | Purchase | NA | 8321049 | Investor Post-Close | No | ||||||
| OBX2026AHC1000386 | XXXXXXX | XXXXXX | Closed | 2026-03-11 19:08 | 2026-03-18 10:26 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation required as CU score is 3.4 - Due Diligence Vendor-03/12/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
GA | Primary Residence | Purchase | NA | 8059910 | N/A | N/A | ||||||
| OBX2026AHC1000393 | XXXXXXX | XXXXXX | Closed | 2026-03-04 15:10 | 2026-03-17 08:36 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Lender provided disclosure within 3 days of
application. - Due Diligence Vendor-03/17/2026 Counter-Reviewed file Appraisal disclosure not provided within 3 days of application. Appraisal disclosure was provided on XX/XX/XXXX and application date is XX/XX/XXXX, which is 4 days after the application date. - Due Diligence Vendor-03/17/2026 Counter-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/16/2026: Please see attached delivery receipts. Appraisal was eDelivered to the borrower on XX/XX/XXXX (page 5) - Buyer-03/16/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided disclosure within 3 days of
application. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXX_Appraisal POD.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7930088 | N/A | N/A | |||||
| OBX2026AHC1000403 | XXXXXXX | XXXXXX | Closed | 2026-03-10 08:59 | 2026-03-19 14:46 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
TX | Primary Residence | Purchase | NA | 8018405 | N/A | N/A | ||||||
| OBX2026AHC1000403 | XXXXXXX | XXXXXX | Closed | 2026-03-06 09:55 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
TX | Primary Residence | Purchase | NA | 7972238 | Investor Post-Close | No | ||||||
| OBX2026AHC1000411 | XXXXXXX | XXXXXX | Closed | 2026-03-05 04:56 | 2026-03-13 11:46 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the seller CD from the departing
residence showing net proceeds. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/09/2026 Open-Pending Net Sale Proceeds From Real Estate Assets $XXX,XXX Asset document is missing(HUD, ALTA, Seller CD is not available in the loan File) - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided the seller CD from the departing
residence showing net proceeds. - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXX_final cd sale of prior home.pdf | PA | Primary Residence | Purchase | NA | 7937400 | N/A | N/A | |||||
| OBX2026AHC1000414 | XXXXXXX | XXXXXX | Closed | 2026-03-10 09:25 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. CU Score is more than 2.5 added finding for same. - Due Diligence Vendor-03/11/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
TX | Primary Residence | Purchase | NA | 8019414 | Investor Post-Close | No | ||||||
| OBX2026AHC1000414 | XXXXXXX | XXXXXX | Closed | 2026-03-10 09:22 | 2026-03-18 10:28 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
TX | Primary Residence | Purchase | NA | 8019286 | N/A | N/A | ||||||
| OBX2026AHC1000421 | XXXXXXX | XXXXXX | Closed | 2026-03-08 05:27 | 2026-03-18 10:29 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/08/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7985969 | N/A | N/A | ||||||
| OBX2026AHC1000421 | XXXXXXX | XXXXXX | Closed | 2026-03-04 14:16 | 2026-03-14 13:18 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided Post Closing CD verifying disbursement
date. - Due Diligence Vendor-03/14/2026 Resolved-Resolved - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Hello, per the Post Consummation Closing Disclosure, the disbursement date was XX/XX/XXXX which is after the Right to Cancel Expiration date of XX/XX/XXXX. - Buyer-03/13/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided Post Closing CD verifying disbursement
date. - Due Diligence Vendor-03/14/2026 Resolved-Resolved - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_Post Consummation Closing Disclosure.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 7928126 | N/A | N/A | |||||
| OBX2026AHC1000423 | XXXXXXX | XXXXXX | Closed | 2026-03-04 12:57 | 2026-03-20 09:23 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 |
VT | Primary Residence | Refinance | Cash Out - Other | 7926198 | N/A | N/A | ||||||
| OBX2026AHC1000423 | XXXXXXX | XXXXXX | Closed | 2026-03-10 12:44 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/10/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
VT | Primary Residence | Refinance | Cash Out - Other | 8026057 | Investor Post-Close | No | ||||||
| OBX2026AHC1000434 | XXXXXXX | XXXXXX | Closed | 2026-03-04 10:34 | 2026-03-15 13:43 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. CAValue returned value appears inflated at
$X,XXX,XXX, 225% higher than appraised value. - Due Diligence
Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. CAValue returned value appears inflated at
$X,XXX,XXX, 225% higher than appraised value. - Due Diligence
Vendor-03/15/2026 |
AR | Primary Residence | Refinance | Cash Out - Other | 7921238 | N/A | N/A | ||||||
| OBX2026AHC1000445 | XXXXXXX | XXXXXX | Closed | 2026-03-05 05:44 | 2026-03-15 14:48 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Deed of Trust Signature does not match Note | Resolved-Reviewed documentation since borrower 2 will not be on
title per the underwriter the security instrument is not required to be
signed by borrower 2. - Due Diligence Vendor-03/15/2026 Resolved-Borrower 2 Signature matches Note - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Uploaded 1008. Please see underwriter comments: B2 is Non-Occ only and will be removed from title. - Buyer-03/13/2026 Open-Borrower 2 Signature does not match Note B2 Sign is Missing in Provided DOT - Due Diligence Vendor-03/08/2026 |
Resolved-Reviewed documentation since borrower 2 will not be on
title per the underwriter the security instrument is not required to be
signed by borrower 2. - Due Diligence Vendor-03/15/2026 Resolved-Borrower 2 Signature matches Note - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_Underwriting Transmittal.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7937959 | N/A | N/A | |||||
| OBX2026AHC1000445 | XXXXXXX | XXXXXX | Closed | 2026-03-08 04:27 | 2026-03-15 14:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided Change of Circumstance for the
reduction in lender credits due to the reduced loan amount. - Due Diligence
Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Hello, Please see the attached Change of Circumstance that was issued with the Final Closing Disclosure. - Seller-03/13/2026 Open- - Due Diligence Vendor-03/09/2026 Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Section J reflects ($X,XXX.XX) tolerance cure that is insufficient as it was applied to the tolerance cure for the ( State Tax/Stamps). - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 |
Ready for Review-Document Uploaded. Hello, Please see the
attached Change of Circumstance that was issued with the Final Closing
Disclosure. - Seller-03/13/2026 |
Resolved-Lender provided Change of Circumstance for the
reduction in lender credits due to the reduced loan amount. - Due Diligence
Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_Change In Circumstance.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7985901 | N/A | N/A | ||||
| OBX2026AHC1000445 | XXXXXXX | XXXXXX | Closed | 2026-03-08 04:27 | 2026-03-15 14:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided Change of Circumstance for the
reduction in lender credits due to the reduced loan amount. - Due Diligence
Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Hello, Please see the attached Change of Circumstance that was issued with the Final Closing Disclosure. - Seller-03/14/2026 Open- - Due Diligence Vendor-03/09/2026 Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Section J reflects ($X,XXX.XX) tolerance cure that is insufficient as it was applied to the tolerance cure for the ( State Tax/Stamps). - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 Open- - Due Diligence Vendor-03/08/2026 |
Ready for Review-Document Uploaded. Hello, Please see the
attached Change of Circumstance that was issued with the Final Closing
Disclosure. - Seller-03/14/2026 |
Resolved-Lender provided Change of Circumstance for the
reduction in lender credits due to the reduced loan amount. - Due Diligence
Vendor-03/15/2026 Resolved-Resolved - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_Change In Circumstance.pdf | FL | Primary Residence | Refinance | Cash Out - Other | 7985900 | N/A | N/A | ||||
| OBX2026AHC1000446 | XXXXXXX | XXXXXX | Closed | 2026-03-09 10:25 | 2026-03-17 12:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided statement that they are closed on
Saturday - Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/17/26: Lender Attestation confirming that: The lender does not conduct business on Saturdays has been uploaded for your review. - Seller-03/17/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. 3/17/26: Lender Attestation
confirming that: The lender does not conduct business on Saturdays has been uploaded for your review. - Seller-03/17/2026 |
Resolved-Lender provided statement that they are closed on
Saturday - Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Business Days.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 7998244 | N/A | N/A | ||||
| OBX2026AHC1000446 | XXXXXXX | XXXXXX | Closed | 2026-03-09 10:25 | 2026-03-17 12:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided statement that they are closed on
Saturday - Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/17/26: Lender Attestation confirming that The lender does not conduct business on Saturdays has been uploaded for your review. - Buyer-03/17/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided statement that they are closed on
Saturday - Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Business Days.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 7998243 | N/A | N/A | |||||
| OBX2026AHC1000446 | XXXXXXX | XXXXXX | Closed | 2026-03-09 10:25 | 2026-03-17 12:50 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Lender provided statement that they are closed on
Saturday - Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/17/26: Lender Attestation confirming that The lender does not conduct business on Saturdays has been uploaded for your review. - Buyer-03/17/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Application date: XX/XX/XXXX and initial LE date is XX/XX/XXXX - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided statement that they are closed on
Saturday - Due Diligence Vendor-03/17/2026 Resolved-Resolved - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Business Days.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 7998242 | N/A | N/A | |||||
| OBX2026AHC1000446 | XXXXXXX | XXXXXX | Closed | 2026-03-04 13:33 | 2026-03-14 12:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Borrower Identification - Seller-03/12/2026 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification - Borrower 1 - Due Diligence Vendor-03/04/2026 |
Ready for Review-Document Uploaded. Borrower Identification -
Seller-03/12/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_ID.pdf | MI | Primary Residence | Refinance | Cash Out - Other | 7927096 | N/A | N/A | ||||
| OBX2026AHC1000448 | XXXXXXX | XXXXXX | Closed | 2026-03-04 15:04 | 2026-03-19 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded Identification Affidavit. - Buyer-03/17/2026 Open-Missing Borrower Identification - Borrower 1. DL Missing in file - Due Diligence Vendor-03/04/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_B1 ID.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7929971 | N/A | N/A | |||||
| OBX2026AHC1000448 | XXXXXXX | XXXXXX | Closed | 2026-03-04 15:04 | 2026-03-19 13:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded Identification Affidavit. - Buyer-03/17/2026 Open-Missing Borrower Identification - Borrower 2. DL Missing in file - Due Diligence Vendor-03/04/2026 |
Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_B2 ID.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7929972 | N/A | N/A | |||||
| OBX2026AHC1000448 | XXXXXXX | XXXXXX | Closed | 2026-03-05 06:21 | 2026-03-17 13:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due
Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded payoff statement. - Buyer-03/17/2026 Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-03/05/2026 |
Resolved-Payoff Statement for prior loan provided. - Due
Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_Payoff Statement.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7938658 | N/A | N/A | |||||
| OBX2026AHC1000450 | XXXXXXX | XXXXXX | Closed | 2026-03-09 15:12 | 2026-03-15 16:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided documentation for the rental property.
- Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Uploaded documentation received. AUS (DU), 1008, 2024 1040's, mortgage statement, rental calculation, HOI. - Buyer-03/13/2026 Open-provide supporting documents to verify the expenses for REO 1 - XXX XXXXXX XXXXXXX - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided documentation for the rental property.
- Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXXXXXXX_XXX XXXXXX XXXXXXX.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 8005854 | N/A | N/A | |||||
| OBX2026AHC1000451 | XXXXXXX | XXXXXX | Closed | 2026-03-07 13:15 | 2026-03-19 14:21 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/07/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7985280 | N/A | N/A | ||||||
| OBX2026AHC1000451 | XXXXXXX | XXXXXX | Closed | 2026-03-05 01:26 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7936154 | Investor Post-Close | No | ||||||
| OBX2026AHC1000457 | XXXXXXX | XXXXXX | Closed | 2026-03-11 11:28 | 2026-03-19 14:17 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/11/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 8050128 | N/A | N/A | ||||||
| OBX2026AHC1000457 | XXXXXXX | XXXXXX | Closed | 2026-03-06 11:27 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7974866 | Investor Post-Close | No | ||||||
| OBX2026AHC1000460 | XXXXXXX | XXXXXX | Closed | 2026-03-09 19:44 | 2026-03-19 14:12 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation is missing in file - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
VA | Primary Residence | Refinance | Cash Out - Other | 8009670 | N/A | N/A | ||||||
| OBX2026AHC1000460 | XXXXXXX | XXXXXX | Closed | 2026-03-05 09:19 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
VA | Primary Residence | Refinance | Cash Out - Other | 7943376 | Investor Post-Close | No | ||||||
| OBX2026AHC1000489 | XXXXXXX | XXXXXX | Closed | 2026-03-08 19:53 | 2026-03-18 10:38 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 |
CA | Primary Residence | Purchase | NA | 7988553 | N/A | N/A | ||||||
| OBX2026AHC1000499 | XXXXXXX | XXXXXX | Closed | 2026-03-08 14:31 | 2026-03-19 14:08 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/08/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
CO | Primary Residence | Purchase | NA | 7987362 | N/A | N/A | ||||||
| OBX2026AHC1000499 | XXXXXXX | XXXXXX | Closed | 2026-03-05 14:36 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/08/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
CO | Primary Residence | Purchase | NA | 7952379 | Investor Post-Close | No | ||||||
| OBX2026AHC1000499 | XXXXXXX | XXXXXX | Closed | 2026-03-05 11:54 | 2026-03-17 13:45 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached Privacy Policy - Buyer-03/17/2026 Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice Missing - Due Diligence Vendor-03/05/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Privacy Notice.pdf | CO | Primary Residence | Purchase | NA | 7948960 | N/A | N/A | |||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-10 08:21 | 2026-03-19 14:00 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8017418 | N/A | N/A | ||||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:56 | 2026-03-19 14:00 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8187969 | N/A | N/A | ||||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-18 11:57 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8187976 | Investor Post-Close | No | ||||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-10 08:53 | 2026-03-18 11:57 | Resolved | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/10/2026 |
Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8018244 | N/A | N/A | ||||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-15 15:59 | 2026-03-18 11:57 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 8117203 | N/A | N/A | ||||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-05 13:25 | 2026-03-14 16:06 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-Lender provided missing documentation. - Due Diligence
Vendor-03/14/2026 Resolved-Acknowledgment of Fair Market Value disclosure provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Acknowledgment of Fair Market Value disclosure - Seller-03/13/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. Acknowledgment of Fair Market Value disclosure is missing. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Acknowledgment of Fair
Market Value disclosure - Seller-03/13/2026 |
Resolved-Lender provided missing documentation. - Due Diligence
Vendor-03/14/2026 Resolved-Acknowledgment of Fair Market Value disclosure provided. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_State Specific Fair Market Value Disclosure.pdf | TX | Primary Residence | Refinance | Cash Out - Other | 7950897 | N/A | N/A | ||||
| OBX2026AHC1000501 | XXXXXXX | XXXXXX | Closed | 2026-03-05 13:25 | 2026-03-14 16:06 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing | Resolved-Lender provided missing documentation. - Due Diligence
Vendor-03/14/2026 Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Fair Market Value Disclosure was uploaded in other finding, duplicate condition. - Seller-03/13/2026 Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. Proof of Copies of all loan documents received by borrower is missing. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Fair Market Value Disclosure was uploaded in
other finding, duplicate condition. - Seller-03/13/2026 |
Resolved-Lender provided missing documentation. - Due Diligence
Vendor-03/14/2026 Resolved-Proof of Copies of all loan documents received by borrower provided. - Due Diligence Vendor-03/14/2026 |
TX | Primary Residence | Refinance | Cash Out - Other | 7950894 | N/A | N/A | |||||
| OBX2026AHC1000519 | XXXXXXX | XXXXXX | Closed | 2026-03-10 09:46 | 2026-03-17 13:52 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided processor cert regarding the typo for
the 2nd Home. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see uploaded processor cert. - Buyer-03/17/2026 Open-Second home property HOA document is missing in the loan file - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided processor cert regarding the typo for
the 2nd Home. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_Processor Cert.pdf | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8020329 | N/A | N/A | |||||
| OBX2026AHC1000528 | XXXXXXX | XXXXXX | Closed | 2026-03-03 15:15 | 2026-03-19 13:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/03/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
ID | Primary Residence | Refinance | Cash Out - Other | 7905677 | N/A | N/A | ||||||
| OBX2026AHC1000528 | XXXXXXX | XXXXXX | Closed | 2026-03-03 14:28 | 2026-03-19 13:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Lender provided Photo ID. - Due Diligence
Vendor-03/13/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/09/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided Photo ID. - Due Diligence
Vendor-03/13/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_ID.pdf | ID | Primary Residence | Refinance | Cash Out - Other | 7904730 | N/A | N/A | |||||
| OBX2026AHC1000528 | XXXXXXX | XXXXXX | Closed | 2026-03-03 15:28 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
ID | Primary Residence | Refinance | Cash Out - Other | 7905908 | Investor Post-Close | No | ||||||
| OBX2026AHC1000545 | XXXXXXX | XXXXXX | Closed | 2026-03-05 13:07 | 2026-03-19 13:36 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NV | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7950506 | N/A | N/A | ||||||
| OBX2026AHC1000545 | XXXXXXX | XXXXXX | Closed | 2026-03-05 14:45 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NV | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7952519 | Investor Post-Close | No | ||||||
| OBX2026AHC1000546 | XXXXXXX | XXXXXX | Closed | 2026-03-06 06:58 | 2026-03-17 10:18 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit provided. - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/16/26: The Toolkit and Tracking log have been uploaded for your review. - Buyer-03/16/2026 Open-RESPA: Toolkit Missing or Incomplete. Home Loan Toolkit Missing - Due Diligence Vendor-03/06/2026 |
Resolved-RESPA: Toolkit provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXX_Tracking Log.pdf XXXXXXXXXX_XXXXXX_Toolkit.pdf |
WI | Primary Residence | Purchase | NA | 7966830 | N/A | N/A | |||||
| OBX2026AHC1000552 | XXXXXXX | XXXXXX | Closed | 2026-03-03 16:00 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
NM | Primary Residence | Refinance | Cash Out - Other | 7907302 | Investor Post-Close | No | ||||||
| OBX2026AHC1000555 | XXXXXXX | XXXXXX | Closed | 2026-03-05 12:45 | 2026-03-19 12:36 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 7950070 | N/A | N/A | ||||||
| OBX2026AHC1000555 | XXXXXXX | XXXXXX | Closed | 2026-03-05 11:23 | 2026-03-17 08:22 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Lender used alternative method to verify income for
both borrowers. - Due Diligence Vendor-03/17/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Lender used FHLMC 5302.2 Alternative methods to verify employment. Lender provided the most recent paystub for XXXXX XXXXXXXX with XXXX dated XX/XX/XXXX. Uploaded guidelines and paystub. - Buyer-03/14/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE for XXXXX XXXXXX XXXXXXXX XXXXX Prior to Close Missing - Due Diligence Vendor-03/05/2026 |
Resolved-Lender used alternative method to verify income for
both borrowers. - Due Diligence Vendor-03/17/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_B2 VVOE.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7948209 | N/A | N/A | |||||
| OBX2026AHC1000555 | XXXXXXX | XXXXXX | Closed | 2026-03-05 11:23 | 2026-03-17 08:22 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender used alternative method to verify income for
both borrowers. - Due Diligence Vendor-03/17/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Lender used FHLMC 5302.2 Alternative methods to verify employment. Lender provided the most recent paystub for XXXX XXXXXXXXX with XXXXX XXX XXXXX dated XX/XX/XXXX. Uploaded guidelines and paystub. - Seller-03/14/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE for XXXXX XXX XXXXX Prior to Close Missing - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Lender used FHLMC 5302.2
Alternative methods to verify employment. Lender provided the most recent
paystub for XXXX XXXXXXXXX with XXXXX XXX XXXXX dated XX/XX/XXXX. Uploaded
guidelines and paystub. -
Seller-03/14/2026 |
Resolved-Lender used alternative method to verify income for
both borrowers. - Due Diligence Vendor-03/17/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_B1 VVOE.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7948208 | N/A | N/A | ||||
| OBX2026AHC1000555 | XXXXXXX | XXXXXX | Closed | 2026-03-05 12:44 | 2026-03-05 12:44 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. Loan approved with appraisal waiver PG 558 - Due Diligence Vendor-03/05/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
Loan approved with appraisal waiver PG 558 - Due Diligence
Vendor-03/05/2026 |
GA | Primary Residence | Refinance | Cash Out - Other | 7950050 | Investor Post-Close | No | ||||||
| OBX2026AHC1000556 | XXXXXXX | XXXXXX | Closed | 2026-03-05 11:58 | 2026-03-18 10:41 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 |
GA | Primary Residence | Purchase | NA | 7949051 | N/A | N/A | ||||||
| OBX2026AHC1000558 | XXXXXXX | XXXXXX | Closed | 2026-03-05 14:21 | 2026-03-23 05:44 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/17/26: The COC dated XX/XX/XXXX indicating the increase in Discount points has been uploaded for your review. - Buyer-03/17/2026 Open- - Due Diligence Vendor-03/12/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Valid COC is not provided for the increase in fee for (Points - Loan Discount Fee) - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXXXXXX _XX-XX COC.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 7952015 | N/A | N/A | |||||
| OBX2026AHC1000558 | XXXXXXX | XXXXXX | Closed | 2026-03-05 14:21 | 2026-03-23 05:44 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/17/26: The COC dated XX/XX/XXXX indicating the increase in Discount points has been uploaded for your review. - Buyer-03/17/2026 Open- - Due Diligence Vendor-03/12/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Valid COC is not provided for the increase in fee - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided valid COC. Condition cleared. - Due
Diligence Vendor-03/23/2026 Resolved-Resolved - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXXXXXX _XX-XX COC.pdf | OR | Primary Residence | Refinance | Cash Out - Other | 7952014 | N/A | N/A | |||||
| OBX2026AHC1000559 | XXXXXXX | XXXXXX | Closed | 2026-03-12 02:46 | 2026-03-20 16:41 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/12/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 |
VT | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 8062455 | N/A | N/A | ||||||
| OBX2026AHC1000559 | XXXXXXX | XXXXXX | Closed | 2026-03-04 07:52 | 2026-03-04 07:52 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. Acknowledged - Due Diligence Vendor-03/04/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
Acknowledged - Due Diligence Vendor-03/04/2026 |
VT | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7916582 | Investor Post-Close | No | ||||||
| OBX2026AHC1000566 | XXXXXXX | XXXXXX | Closed | 2026-03-04 11:06 | 2026-03-04 11:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-03/04/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due
Diligence Vendor-03/04/2026 |
MI | Primary Residence | Purchase | NA | 7921878 | Investor Post-Close | No | ||||||
| OBX2026AHC1000570 | XXXXXXX | XXXXXX | Closed | 2026-03-03 12:13 | 2026-03-13 12:37 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Lender provided the Fraud report verifying the OFAC
report list. - Due Diligence Vendor-03/13/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/09/2026 Open-Missing Third Party Fraud Report Fraud report is missing in file - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided the Fraud report verifying the OFAC
report list. - Due Diligence Vendor-03/13/2026 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_fraud report.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7900645 | N/A | N/A | |||||
| OBX2026AHC1000573 | XXXXXXX | XXXXXX | Closed | 2026-03-08 17:15 | 2026-03-19 12:32 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. id secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-03/08/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
UT | Primary Residence | Purchase | NA | 7987643 | N/A | N/A | ||||||
| OBX2026AHC1000573 | XXXXXXX | XXXXXX | Closed | 2026-03-08 17:59 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/08/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
UT | Primary Residence | Purchase | NA | 7987952 | Investor Post-Close | No | ||||||
| OBX2026AHC1000575 | XXXXXXX | XXXXXX | Closed | 2026-03-08 14:25 | 2026-03-15 14:57 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification standards
meet requirements - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Uploaded response from lender, Guideline and Paystub. - Buyer-03/13/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/08/2026 |
Resolved-ATR Risk - Employment validation/verification standards
meet requirements - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXX_VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7987311 | N/A | N/A | |||||
| OBX2026AHC1000575 | XXXXXXX | XXXXXX | Closed | 2026-03-08 14:24 | 2026-03-15 14:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Uploaded response from lender, Guideline and Paystub. - Buyer-03/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/08/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XXXXX-VVOE.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7987309 | N/A | N/A | |||||
| OBX2026AHC1000578 | XXXXXXX | XXXXXX | Closed | 2026-03-05 04:06 | 2026-03-16 08:40 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. WVOE - Buyer-03/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE missing - Due Diligence Vendor-03/05/2026 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided -
Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_ WVOE.pdf | TX | Primary Residence | Purchase | NA | 7936974 | N/A | N/A | |||||
| OBX2026AHC1000578 | XXXXXXX | XXXXXX | Closed | 2026-03-08 11:38 | 2026-03-16 08:40 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-03/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 1 3rd Party VOE missing - Due Diligence Vendor-03/08/2026 |
Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-03/16/2026 |
TX | Primary Residence | Purchase | NA | 7986678 | N/A | N/A | ||||||
| OBX2026AHC1000579 | XXXXXXX | XXXXXX | Closed | 2026-03-09 08:44 | 2026-03-17 11:38 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the social security award letters. -
Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded social security award letters for both borrowers. Thank You. - Buyer-03/17/2026 Counter-Need Social Security Award letters for both borrowers, deposits into bank statement does not match the income calculator even grossed up. Bank statements show $XXXX for B1 and $XXXX.XX for B2. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Income documentation. - Buyer-03/12/2026 Open-Missing documents: B1 pension, B1 Social Security, B1 Defined Contribution Plan, B2 Social Security - Due Diligence Vendor-03/09/2026 |
Resolved-Lender provided the social security award letters. -
Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXX_Income Docs.pdf XXXXXXXXXX_XXXXXX_SS Income.pdf |
PA | Primary Residence | Purchase | NA | 7994986 | N/A | N/A | |||||
| OBX2026AHC1000585 | XXXXXXX | XXXXXX | Closed | 2026-03-25 16:06 | 2026-03-25 16:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/25/2026 | Acknowledged-S&P RA Only - Value grade equals B, secondary
product within tolerance. This finding will be rated a B for S&P. All
other agencies will be rated as A. This finding will be rated a B for
S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/25/2026 |
SC | Primary Residence | Refinance | Cash Out - Other | 8321060 | Investor Post-Close | No | ||||||
| OBX2026AHC1000601 | XXXXXXX | XXXXXX | Closed | 2026-03-06 09:45 | 2026-03-19 12:23 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. 3rd Party Valuation Product Required--PIW exercised. AVM required. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7971910 | N/A | N/A | ||||||
| OBX2026AHC1000601 | XXXXXXX | XXXXXX | Closed | 2026-03-06 10:00 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7972362 | Investor Post-Close | No | ||||||
| OBX2026AHC1000602 | XXXXXXX | XXXXXX | Closed | 2026-03-03 16:03 | 2026-03-19 12:19 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Supporting valuation document missing in file. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Purchase | NA | 7907347 | N/A | N/A | ||||||
| OBX2026AHC1000602 | XXXXXXX | XXXXXX | Closed | 2026-03-03 16:31 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Purchase | NA | 7907980 | Investor Post-Close | No | ||||||
| OBX2026AHC1000612 | XXXXXXX | XXXXXX | Closed | 2026-03-09 13:54 | 2026-03-18 15:59 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation Confirmation page #138 for XXXXXX XXX CU Risk score is 1 and for XXXXXXX XXX CU Risk score is 4 page #144 - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
GA | Primary Residence | Purchase | NA | 8003917 | N/A | N/A | ||||||
| OBX2026AHC1000622 | XXXXXXX | XXXXXX | Closed | 2026-03-03 13:41 | 2026-03-17 13:01 | Resolved | 1 - Information | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Resolved-FACTA Notice to Home Loan Applicant & Risk Based
Pricing/Credit Score Disclosure provided. - Due Diligence Vendor-03/17/2026
Ready for Review-Document Uploaded. 3/17/26: The FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure has been uploaded for your review. - Buyer-03/17/2026 Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. - Due Diligence Vendor-03/03/2026 |
Resolved-FACTA Notice to Home Loan Applicant & Risk Based
Pricing/Credit Score Disclosure provided. - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_Home Loan Applicant & Risk Based Pricing.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7903375 | N/A | N/A | |||||
| OBX2026AHC1000625 | XXXXXXX | XXXXXX | Closed | 2026-03-08 10:23 | 2026-03-19 12:49 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure
provided timely. - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached disclosures. The 4th paragraph has the required ECOA verbiage regarding the borrower's right to a copy of the appraisal. - Buyer-03/16/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Appraisal Disclosure Date <<Appraisal_Disclosure_Date>> is not within three business days of Application Date - Due Diligence Vendor-03/08/2026 |
Resolved-ECOA Compliant: Evidence provided Appraisal Disclosure
provided timely. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXX_Appr Disclosure.pdf | AL | Primary Residence | Refinance | Cash Out - Other | 7986602 | N/A | N/A | |||||
| OBX2026AHC1000632 | XXXXXXX | XXXXXX | Closed | 2026-03-05 08:30 | 2026-03-14 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Lender provided documentation that a full project
review is not required. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Please see XXXX B4-2.1-02 (Uploaded) A detached unit in a new or established condo project: Project review is waived. - Buyer-03/12/2026 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided documentation that a full project
review is not required. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXX_Waiver of Project Review _ XXXXXX XXX.pdf | CA | Primary Residence | Refinance | Cash Out - Other | 7942189 | N/A | N/A | |||||
| OBX2026AHC1000634 | XXXXXXX | XXXXXX | Closed | 2026-03-03 14:36 | 2026-03-13 13:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided the XXXX statement and XXXXXX XXXX
statement. - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/09/2026 Open-For B1 XXXX #XXXX & for B2 XXXXXX XXXX #XXXX, were unable to verify the monthly payment required supporting documents to verify the payments. - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided the XXXX statement and XXXX statement.
- Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_XXXX & XXXXXX XXXX.pdf | GA | Primary Residence | Purchase | NA | 7904871 | N/A | N/A | |||||
| OBX2026AHC1000636 | XXXXXXX | XXXXXX | Closed | 2026-03-05 15:38 | 2026-03-17 09:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Lender provided documentation of the new liability. -
Due Diligence Vendor-03/17/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded documentation to support liability (installment) with XXXXX XXX x XXXX. Balance $X,XXX.XX payment of $XXX.XX. - Buyer-03/16/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided documentation of the new liability. -
Due Diligence Vendor-03/17/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_Liability Doc.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7953522 | N/A | N/A | |||||
| OBX2026AHC1000636 | XXXXXXX | XXXXXX | Closed | 2026-03-05 15:44 | 2026-03-17 09:05 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Lender provided documentation of the new liability. -
Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Uploaded documentation to support liability (installment) with XXXXX XXX x XXXX. Balance $X,XXX.XX payment of $XXX.XX. - Buyer-03/16/2026 Open-Final application reflects an new liability with payment of $XXX, for the same documentation is missing - Due Diligence Vendor-03/05/2026 |
Resolved-Lender provided documentation of the new liability. -
Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXX_Liability Doc.pdf | GA | Primary Residence | Refinance | Cash Out - Other | 7953632 | N/A | N/A | |||||
| OBX2026AHC1000638 | XXXXXXX | XXXXXX | Closed | 2026-03-10 16:18 | 2026-03-25 15:34 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 8031324 | N/A | N/A | ||||||
| OBX2026AHC1000638 | XXXXXXX | XXXXXX | Closed | 2026-03-10 16:22 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/10/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 8031428 | Investor Post-Close | No | ||||||
| OBX2026AHC1000694 | XXXXXXX | XXXXXX | Closed | 2026-03-03 14:20 | 2026-03-13 15:10 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD showing actual disbursement date
is after cancel to close date. - Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. Hello, per the Post Consummation Closing Disclosure, the disbursement date was XX/XX/XXXX which is after the Right to Cancel Expiration date of XX/XX/XXXX. - Buyer-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/05/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided PCCD showing actual disbursement date
is after cancel to close date. - Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_Post Consummation Closing Disclosure.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7904590 | N/A | N/A | |||||
| OBX2026AHC1000697 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 11:42 | 2026-03-19 12:11 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000697 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 06:37 | 2026-03-03 06:37 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-03/03/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000697 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 12:11 | 2026-03-19 12:30 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. The BPO was more than 10% below the PIW value. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000698 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 14:30 | 2026-03-18 10:11 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/13/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Review Product1 on pg 506 reflects CU score 3.6 which is not within tolerance. Require Secondary valuation - Due Diligence Vendor-03/03/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/13/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000699 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 12:41 | 2026-03-18 10:12 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/13/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. The CU RISK Score is 3.1, A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/13/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000699 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 05:22 | 2026-03-12 15:23 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and
note is dated XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 Resolved-Patriot Information form shows expiration date as XX/XX/XXXX; however, photo of driver's license shows expiration date of XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 Ready for Review-Document Uploaded. - Buyer-03/05/2026 Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. The provided driver license of XXXXXX XXXXX is cut from right part /corner unable to validate the Expiration date. page #326 - Due Diligence Vendor-03/03/2026 |
Resolved-Borrower photo ID expiration date is XX/XX/XXXX and
note is dated XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 Resolved-Patriot Information form shows expiration date as XX/XX/XXXX; however, photo of driver's license shows expiration date of XX/XX/XXXX. - Due Diligence Vendor-03/12/2026 |
XXXXXXXXXX_XXXX_IDs.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000700 | XXXXXXX | XXXXXXX | Closed | 2026-03-17 13:20 | 2026-03-19 12:21 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing third party valuation product to support PIW value within 10% - Due Diligence Vendor-03/17/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000700 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 11:57 | 2026-03-03 11:57 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. Loan is PIW Hence Appraisal is not required as per AUS. - Due Diligence Vendor-03/03/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
Loan is PIW Hence Appraisal is not required as per AUS. - Due Diligence
Vendor-03/03/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000700 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 12:21 | 2026-03-19 12:30 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000701 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 14:13 | 2026-03-18 16:45 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation supporting document is not available in the flle - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000701 | XXXXXXX | XXXXXXX | Seller | 2026-03-18 16:45 | 2026-03-18 17:00 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 1 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000702 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 06:43 | 2026-03-25 13:47 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/13/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/13/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000702 | XXXXXXX | XXXXXXX | Closed | 2026-03-14 10:00 | 2026-03-25 13:47 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-AVM received XX/XX/XXXX - Due Diligence Vendor-03/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-AVM received 3/13/2026 - Due Diligence Vendor-03/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000702 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 10:44 | 2026-03-25 13:47 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/25/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/25/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000702 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 01:58 | 2026-03-18 11:23 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Evidence provided of delivery of most
recent primary appraisal to applicant. - Due Diligence Vendor-03/18/2026 Ready for Review-Document Uploaded. 3/18/26: The Appraisal POD has been uploaded for your review. - Buyer-03/18/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most Recent Primary Appraisal Date of Appraiser_Signature_Date XX/XX/XXXX (#29) is after the Primary Appraisal Delivery Date of XX/XX/XXXX (#441,442) - Due Diligence Vendor-03/06/2026 |
Resolved-ECOA Compliant: Evidence provided of delivery of most
recent primary appraisal to applicant. - Due Diligence Vendor-03/18/2026 |
XXXXXXXXXX_XXXXXX_appraisal POD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000703 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 10:58 | 2026-03-18 16:46 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000703 | XXXXXXX | XXXXXXX | Seller | 2026-03-18 16:46 | 2026-03-18 17:00 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 1 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000704 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 07:40 | 2026-03-24 08:52 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. FNMA UCDP CU score is more than 2.5 hence we required secondary valuation supporting document - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000704 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 16:48 | 2026-03-24 08:52 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000704 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 07:38 | 2026-03-17 08:11 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Lender used paystubs dated 15 days of the note date. -
Due Diligence Vendor-03/17/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Lender used XXXX B3-3.1-04 Alternative methods to verify employment. Lender provided the most recent paystub for XXXXX XXXXXX with XXXXXX XXXXXX XXXXX XX XXXXXXXXX dated XX/XX/XXXX. Uploaded guidelines and paystub. - Buyer-03/14/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing B2 3rd Party VOE is missing (XXXXXX XXXXXX XXXXX XX XXXX ) - Due Diligence Vendor-03/06/2026 |
Resolved-Lender used paystubs dated 15 days of the note date. -
Due Diligence Vendor-03/17/2026 Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXX_VVOE.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000704 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:52 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-A BPO dated XX/XX/XXXX valued the property at $XXX,XXX, which is 74.47% lower than original appraised value of $X,XXX,XXX and outside of the 10% tolerance. - Due Diligence Vendor-03/24/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000705 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 13:51 | 2026-03-17 11:56 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided itemization of the lender credit. - Due
Diligence Vendor-03/17/2026 Resolved-. - Due Diligence Vendor-03/17/2026 Resolved- - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. Please see attached LOE and Itemization of settlement charges. Dispute: Please find attached the Itemization of Settlement Charges for the final CD which itemizes the loan fees and costs. This indicates the fees/charges paid by the borrower and those paid by the lender credit. Only the prepaid finance charge fees actually paid by the borrower are included in the finance charge calculations. For your ease of review, I have highlighted the prepaid finance charges paid by the borrower and included in the finance charge calculation. The finance charges are accurately disclosed on the final CD dated XX/XX/XXXX. - Seller-03/17/2026 Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($X,XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. - Due Diligence Vendor-03/09/2026 Open- - Due Diligence Vendor-03/13/2026 Open- - Due Diligence Vendor-03/13/2026 Open- - Due Diligence Vendor-03/13/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/09/2026 |
Ready for Review-Document Uploaded. Please see attached LOE and
Itemization of settlement charges. Dispute: Please find attached the Itemization of Settlement Charges for the final CD which itemizes the loan fees and costs. This indicates the fees/charges paid by the borrower and those paid by the lender credit. Only the prepaid finance charge fees actually paid by the borrower are included in the finance charge calculations. For your ease of review, I have highlighted the prepaid finance charges paid by the borrower and included in the finance charge calculation. The finance charges are accurately disclosed on the final CD dated XX/XX/XXXX. - Seller-03/17/2026 |
Resolved-Lender provided itemization of the lender credit. - Due
Diligence Vendor-03/17/2026 Resolved-. - Due Diligence Vendor-03/17/2026 |
XXXXXXXXXX - XX - Itemization of Settlement Charges.pdf XXXXXXXXXX_XX_ LOE.pdf |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000705 | XXXXXXX | XXXXXXX | Closed | 2026-03-13 12:02 | 2026-03-17 09:25 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $0 is
equal to or greater than Total Required Reserve Amount of $0 - Due Diligence
Vendor-03/17/2026 Ready for Review-Document Uploaded. Conventional, rate and term refinance. Reserves not required per LP/AUS. Final CD requires $X,XXX.XX to close. Bank statements from 3 accounts (XXXXX, XX XXXX and XXXXXXX XXX) reflect $X,XXX.XX in available funds to cover funds to close of $X,XXX.XX. - Buyer-03/16/2026 Open-Total Qualified Assets for Reserves Post-Close of $-XXXX is less than Total Required Reserve Amount of $0 Required amount of reserve is $5,274.10 and available asset is $7,912.22. It is covering required amount. - Due Diligence Vendor-03/13/2026 |
Resolved-Total Qualified Assets for Reserves Post-Close of $0 is
equal to or greater than Total Required Reserve Amount of $0 - Due Diligence
Vendor-03/17/2026 |
XXXXXXXXXX_XX_reserves.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000706 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 09:36 | 2026-03-19 13:05 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. UCDP available page # 239-240, however Risk score is 4 and no other supporting valuation with acceptable tolerance available in file. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000706 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 10:48 | 2026-03-19 13:05 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000706 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:25 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000706 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 13:07 | 2026-03-19 13:32 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXXX compared to the BPO dated XX/XX/XXXX with a value of $XXXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000708 | XXXXXXX | XXXXXXX | Closed | 2026-03-13 12:05 | 2026-03-19 12:52 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/13/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000708 | XXXXXXX | XXXXXXX | Closed | 2026-03-12 12:15 | 2026-03-12 12:20 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/12/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-03/12/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000708 | XXXXXXX | XXXXXXX | Seller | 2026-03-12 09:37 | 2026-03-16 14:03 | Open | 3 - Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Open-Borrower 2 3rd Party VOE Prior to Close Missing 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/12/2026 | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000709 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 07:28 | 2026-03-24 08:41 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000709 | XXXXXXX | XXXXXXX | Closed | 2026-03-14 10:21 | 2026-03-24 08:41 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-Secondary valuation AVM returned a value which exceeds 10% variance from appraised value requiring a BPO to confirm origination appraisal based on securitization valuation waterfall. - Due Diligence Vendor-03/14/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000709 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 10:50 | 2026-03-24 08:41 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000709 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 06:36 | 2026-03-14 12:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/12/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-03/09/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXX_IDs b1 and b2.pdf | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000709 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 06:36 | 2026-03-14 12:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. - Buyer-03/12/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-03/09/2026 |
Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXX_IDs b1 and b2.pdf | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000702 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:41 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-A BPO dated XX/XX/XXXX valued the property at $XXX,XXX, which is 29.32% lower than original appraised value of $XXX,XXX and outside of the 10% tolerance. - Due Diligence Vendor-03/24/2026 | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000709 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:41 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-A BPO dated XX/XX/XXXX valued the property at $XXX,XXX, which is 29.32% lower than original appraised value of $XXX,XXX and outside of the 10% tolerance. - Due Diligence Vendor-03/24/2026 | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:55 | 2026-03-24 08:44 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 13:53 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-03/10/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 10:56 | 2026-03-13 16:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Seller-03/12/2026 Open-Missing Borrower Identification - Borrower 1. Patriot Act form provided however it is not legible for expiration date - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. - Seller-03/12/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_IDs b1 and b2.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 10:56 | 2026-03-13 16:02 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. - Buyer-03/12/2026 Open-Missing Borrower Identification - Borrower 2. Patriot Act form provided however it is not legible for expiration date - Due Diligence Vendor-03/10/2026 |
Resolved-Borrower Identification - Borrower 2 provided. - Due
Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_IDs b1 and b2.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 10:01 | 2026-03-13 15:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Lender provided Change of Circumstance Disclosure. -
Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. There does not appear to be a tolerance violation between the baseline disclosure and the Final Closing Disclosure. Please see the attached Initial Loan Estimate, Final Closing Disclosure, and Change of Circumstance documentation. If this information does not cure the finding, please provide in detail what is required to resolve it. - Seller-03/13/2026 Open- - Due Diligence Vendor-03/10/2026 Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. There does not appear to be
a tolerance violation between the baseline disclosure and the Final Closing
Disclosure. Please see the attached Initial Loan Estimate, Final Closing
Disclosure, and Change of Circumstance documentation. If this information
does not cure the finding, please provide in detail what is required to
resolve it. - Seller-03/13/2026 |
Resolved-Lender provided Change of Circumstance Disclosure. -
Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_Initial LE.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf XXXXXXXXXX_XXXXXXXXXX_COCs.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 10:01 | 2026-03-13 15:59 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Lender provided Change of Circumstance Disclosure. -
Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 Ready for Review-Document Uploaded. There does not appear to be a tolerance violation between the baseline disclosure and the Final Closing Disclosure. Please see the attached Initial Loan Estimate, Final Closing Disclosure, and Change of Circumstance documentation. If this information does not cure the finding, please provide in detail what is required to resolve it. - Seller-03/13/2026 Open- - Due Diligence Vendor-03/10/2026 Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. There does not appear to be
a tolerance violation between the baseline disclosure and the Final Closing
Disclosure. Please see the attached Initial Loan Estimate, Final Closing
Disclosure, and Change of Circumstance documentation. If this information
does not cure the finding, please provide in detail what is required to
resolve it. - Seller-03/13/2026 |
Resolved-Lender provided Change of Circumstance Disclosure. -
Due Diligence Vendor-03/13/2026 Resolved-Resolved - Due Diligence Vendor-03/13/2026 |
XXXXXXXXXX_XXXXXXXXXX_Initial LE.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf XXXXXXXXXX_XXXXXXXXXX_COCs.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000710 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:44 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/24/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000711 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 08:23 | 2026-03-18 10:19 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/11/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000712 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 03:53 | 2026-03-19 13:36 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/06/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000712 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 04:14 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/06/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000712 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 13:36 | 2026-03-19 14:05 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000713 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:12 | 2026-03-24 08:39 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000713 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:27 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000713 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:27 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000713 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 05:50 | 2026-03-14 12:33 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing | Resolved-Proof of Copies of all loan documents received by
borrower provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Hello, Please see the Acknowledgement of FMV - Seller-03/12/2026 Open-TX 50(a)(6) Violation: Proof of Copies of all loan documents received by borrower is missing. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. Hello, Please see the
Acknowledgement of FMV - Seller-03/12/2026 |
Resolved-Proof of Copies of all loan documents received by
borrower provided. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_State Specific Fair Market Value Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000713 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 05:50 | 2026-03-14 12:33 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-Acknowledgment of Fair Market Value disclosure
provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Hello, Please see the Acknowledgement of FMV - Seller-03/12/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. Hello, Please see the
Acknowledgement of FMV - Seller-03/12/2026 |
Resolved-Acknowledgment of Fair Market Value disclosure
provided. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_State Specific Fair Market Value Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000713 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:39 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-A BPO dated XX/XX/XXXX valued the property at $XXX,XXX, which is 29.32% lower than original appraised value of $XXX,XXX and outside of the 10% tolerance. - Due Diligence Vendor-03/24/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000714 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:15 | 2026-03-24 09:06 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 Open- - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000714 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 13:30 | 2026-03-18 11:47 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/13/25: The Appraisal POD has been uploaded for your review. - Seller-03/13/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. 3/13/25: The Appraisal POD
has been uploaded for your review. - Seller-03/13/2026 |
Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXX_evidence of appraisal.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000714 | XXXXXXX | XXXXXXX | Closed | 2026-03-16 08:13 | 2026-03-18 11:47 | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/16/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000714 | XXXXXXX | XXXXXXX | Closed | 2026-03-16 08:13 | 2026-03-18 11:47 | Resolved | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/16/2026 |
Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-Finding Cleared. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000714 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 13:54 | 2026-03-19 14:05 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXX,XXX compared to the BPO dated XX/XX/XXXX with a value of $XXX,XXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000715 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 13:07 | 2026-03-19 13:56 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Supporting validation document missing in file. - Due Diligence Vendor-03/08/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000715 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 10:01 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. Finding added - Due Diligence Vendor-03/08/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000715 | XXXXXXX | XXXXXXX | Seller | 2026-03-05 08:44 | 2026-03-09 14:30 | Open | 3 - Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX Hazard insurance date XX/XX/XXXX and disbursement date XX/XX/XXXX. - Due Diligence Vendor-03/08/2026 | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000716 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 12:14 | 2026-03-19 14:00 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary Valuation provided however CU score is 3.5. Hence need one more secondary valuation document. - Due Diligence Vendor-03/07/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000716 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:19 | 2026-03-19 14:00 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000716 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:20 | 2026-03-18 11:29 | Resolved | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000716 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:01 | 2026-03-19 14:05 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXX,XXX compared to the BPO dated XX/XX/XXXX with a value of $XXX,XXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000717 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 07:19 | 2026-03-19 14:05 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000717 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:30 | 2026-03-19 14:05 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open- - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM provided was performed before the subject property was built; therefore, estimated AVM value is based on land value only and therefore is not an accurate estimation of value. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000717 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:30 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000717 | XXXXXXX | XXXXXXX | Closed | 2026-03-14 11:40 | 2026-03-18 11:30 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. Borrower purchased property in XXXX for $XXXX, transaction is a cash-out refinance, borrower received $XXXX cash back at closing - Due Diligence Vendor-03/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000717 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 07:14 | 2026-03-14 15:34 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided the closing disclosure, reviewed
documents and resolved the finding. - Due Diligence Vendor-03/14/2026 Resolved-Resolved - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Hello, based on the Final Closing Disclosure Fees, the Total of Payments appears accurate. The regular principal and interest payments ($XXX,XXX.XX) plus loan costs in line D ($XX,XXX.XX) plus the per diem interest ($X,XXX.XX) total $XXX,XXX.XX. - Seller-03/13/2026 Open- - Due Diligence Vendor-03/10/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 Open-The disclosed Total of Payments ($XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) .. - Due Diligence Vendor-03/06/2026 Open- - Due Diligence Vendor-03/06/2026 |
Ready for Review-Document Uploaded. Hello, based on the Final
Closing Disclosure Fees, the Total of Payments appears accurate. The regular
principal and interest payments ($XXX,XXX.XX) plus loan costs in line D
($XX,XXX.XX) plus the per diem interest ($X,XXX.XX) total $XXX,XXX.XX. -
Seller-03/13/2026 |
Resolved-Lender provided the closing disclosure, reviewed
documents and resolved the finding. - Due Diligence Vendor-03/14/2026 Resolved-Resolved - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_Final Closing Disclosure.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000717 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:06 | 2026-03-19 14:30 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXXX compared to the BPO dated XX/XX/XXXX with a value of $XXXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000718 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:32 | 2026-03-20 10:14 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-BPO received - Due Diligence Vendor-03/20/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/20/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. Borrower purchased property in XXXX for $XXXX, transaction is a cash-out refinance, borrower received $XXXX cash back at closing. - Due Diligence Vendor-03/18/2026 |
Resolved-BPO received - Due Diligence Vendor-03/20/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/20/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000718 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 08:27 | 2026-03-20 09:43 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/09/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000718 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:33 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000718 | XXXXXXX | XXXXXXX | Seller | 2026-03-20 10:13 | 2026-03-20 10:30 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-BPO received dated XX/XX/XXXX valued the property at $XXX,XXX, which is 46% lower than the original appraised value of $XXX,XXX, and outside of the 10% tolerance. - Due Diligence Vendor-03/20/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000719 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 15:44 | 2026-03-23 05:37 | Cured | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Cured-Lender provided Letter of Explanation, Proof of Refund,
Corrected PCCD, and Proof of Delivery to Borrower. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-03/23/2026 Ready for Review-Document Uploaded. 3/19/2026: Please see attached Cure package - Buyer-03/19/2026 Open- - Due Diligence Vendor-03/12/2026 Open- - Due Diligence Vendor-03/05/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Cured-Lender provided Letter of Explanation, Proof of Refund,
Corrected PCCD, and Proof of Delivery to Borrower. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-03/23/2026 |
XXXXXXXXXX_XXXXX_Refund Letter.pdf XXXXXXXXXX_XXXXX_Proof of delivery.pdf XXXXXXXXXX_XXXXX_PCCD.pdf XXXXXXXXXX_XXXXX_copy of check.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000719 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 09:51 | 2026-03-19 14:17 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000719 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:51 | 2026-03-19 14:17 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000719 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:52 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000719 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:18 | 2026-03-19 14:30 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXXXX compared to the BPO dated XX/XX/XXXX with a value of $XXXXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000720 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 12:36 | 2026-03-18 10:24 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Finding Added - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000720 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 13:07 | 2026-03-14 12:41 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-Lender provided evidence of appraisal delivery. - Due
Diligence Vendor-03/14/2026 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. 3/12/26: The Appraisal POD has been uploaded for your review. - Buyer-03/12/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-03/04/2026 |
Resolved-Lender provided evidence of appraisal delivery. - Due
Diligence Vendor-03/14/2026 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXX_Appraisal POD.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000721 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 15:29 | 2026-03-24 08:34 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000721 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:53 | 2026-03-24 08:34 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000721 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:54 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000721 | XXXXXXX | XXXXXXX | Closed | 2026-03-14 13:32 | 2026-03-18 11:54 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000721 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:31 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-A BPO dated XX/XX/XXXX valued the property at $XXX,XXX,
which is 13.20% lower than original appraised value of $XXX,XXX and outside
of the 10% tolerance. - Due Diligence Vendor-03/24/2026 Open- - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000722 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 04:43 | 2026-03-23 13:16 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Client provided verification of student loan debt dated
XX/XX/XXXX. Verified the debt was opened on XX/XX/XXXX with a balance of
$XX,XXX. XXXX uses 1% of deferred balance to calculate monthly payment of
$XXX.XX. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Uploaded confirmation/documentation for new liability. - Seller-03/18/2026 Counter- - Due Diligence Vendor-03/16/2026 Ready for Review-On B2's initial 1003 Continuation Sheet there is a Liability listed as XXX XXXXXXX loan for $XXX.XX and balance of $XX,XXX, this is not shown on the final 1003, but is included in the DU and 1008 total other debts. - Due Diligence Vendor-03/16/2026 Ready for Review-Hello, Can you please expand on this finding for XXX XXXXXXX Loan, Unpaid Balance $XX,XXX.XX monthly payment $XXX.XX. We do not see this liability in the loan file. Thank You. - Buyer-03/13/2026 Open-XXX XXXXXXX LOAN Unpaid Balance: $XX,XXX.XX, Monthly Pmt.: XXX.XX for this liability supporting document are missing, However AUS & 1008 Including this liability for DTI Calculation, Kindly provide supporting documents for this Liability - Due Diligence Vendor-03/05/2026 |
Ready for Review-Document Uploaded. Uploaded
confirmation/documentation for new liability. - Seller-03/18/2026 |
Resolved-Client provided verification of XXXXXXX XXXX debt dated
XX/XX/XXXX. Verified the debt was opened on XX/XX/XXXX with a balance of
$XX,XXX. XXXX uses 1% of deferred balance to calculate monthly payment of
$XXX.XX. - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXXXX_Liability XXXXXXX XXXXXXXXX XXXX.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000722 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 13:28 | 2026-03-16 09:37 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Finding rescinded as receipt date was entered
incorrect, updated and finding cleared - Due Diligence Vendor-03/16/2026 Resolved-Resolved - Due Diligence Vendor-03/16/2026 Open-. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Hello, the Final Loan Estimate was acknowledged by the borrower on XX/XX/XXXX, which is 4 business days prior to the consummation date of XX/XX/XXXX. - Buyer-03/13/2026 Open-The last Loan Estimate Received Date of (XX/XX/XXXX) is not 4 business days before the consummation date of (XX/XX/XXXX). Four business days before consummation is (XX/XX/XXXX). Under Regulation Z, a consumer must receive a revised Loan Estimate no later than 4 business days before consummation. (12 CFR 1026.19(e)(4)(ii)) The re-disclosed LE reflects a Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of re-disclosed LE 4 business days prior to consummation of (XX/XX/XXXX). No Cure. - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/05/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/04/2026 |
Resolved-Finding rescinded as receipt date was entered
incorrect, updated and finding cleared - Due Diligence Vendor-03/16/2026 Resolved-Resolved - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_Final Loan Estimate.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000723 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 16:15 | 2026-03-23 16:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-CPA letter provided verifying $XX,XXX monthly income
from distributions from the XXXXXXX XXXXXXXX XXXXXX XXXXX, sent to borrower's
XX XXXXXX XXXXX XXXX account bi-weekly. - Due Diligence Vendor-03/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Uploaded income documentation. LOE from XXXXX XXXXX confirming total monthly income of $XX,XXX. - Buyer-03/17/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-03/10/2026 |
Resolved-CPA letter provided verifying $XX,XXX monthly income
from distributions from the XXXXXXX XXXXXXXX XXXXXX XXXXX, sent to borrower's
XX XXXXXX XXXXX XXXX account bi-weekly. - Due Diligence Vendor-03/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_ Financial Planner Letter on Income Distrubutions.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000723 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 16:46 | 2026-03-23 13:24 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-CPA letter provided verifying $XX,XXX monthly income
from distributions from the XXXXXXX XXXXXXXX XXXXXX XXXXX, sent to borrower's
XX XXXXXX XXXXX XXXX account bi-weekly. - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. Uploaded income documentation. LOE from XXXXX XXXXX confirming total monthly income of $XX,XXX. - Buyer-03/17/2026 Open-Missing income documentation to verify the proof of $XX,XXX - Due Diligence Vendor-03/10/2026 |
Resolved-CPA letter provided verifying $XX,XXX monthly income
from distributions from the XXXXXXX XXXXXXXX XXXXXX XXXXX, sent to borrower's
XX XXXXXX XXXXX XXXX account bi-weekly. - Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_ Financial Planner Letter on Income Distrubutions.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000723 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 18:38 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-03/11/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000723 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 16:24 | 2026-03-14 13:37 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Secondary valuation required as CU score is 3.3 and LCA score is 3. - Due Diligence Vendor-03/11/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000724 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 06:47 | 2026-03-19 14:26 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000724 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 13:09 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/04/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000724 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:26 | 2026-03-19 14:30 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000726 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 16:42 | 2026-03-19 14:30 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000726 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:30 | 2026-03-19 14:30 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000727 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 12:51 | 2026-03-19 14:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/04/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/14/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000727 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:55 | 2026-03-19 14:40 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000727 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:55 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000727 | XXXXXXX | XXXXXXX | Closed | 2026-03-14 13:46 | 2026-03-18 11:55 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000727 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:41 | 2026-03-19 15:05 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXX,XXX compared to the BPO dated XX/XX/XXXX with a value of $XXX,XXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000728 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 12:03 | 2026-03-19 14:36 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation supporting document missing in file. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000728 | XXXXXXX | XXXXXXX | Closed | 2026-03-09 09:46 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. File qualified based on PIW. - Due Diligence Vendor-03/09/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000728 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:34 | 2026-03-19 15:05 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXX,XXX compared to the BPO dated XX/XX/XXXX with a value of $XXX,XXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000729 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:22 | 2026-03-19 14:30 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000729 | XXXXXXX | XXXXXXX | Closed | 2026-03-04 19:07 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/10/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000729 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 09:50 | 2026-03-15 15:02 | Resolved | 1 - Information | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Lender provided borrower VISA document - Due Diligence
Vendor-03/15/2026 Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/15/2026 Ready for Review-Document Uploaded. Uploaded copy of Visa (H1B). - Buyer-03/13/2026 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided borrower VISA document - Due Diligence
Vendor-03/15/2026 Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-03/15/2026 |
XXXXXXXXXX_XX_Citizenship Docs.pdf | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000729 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 14:26 | 2026-03-19 14:30 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXX,XXX compared to the BPO dated XX/XX/XXXX with a value of $XXX,XXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:41 | 2026-03-24 08:36 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/11/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 16:43 | 2026-03-24 08:36 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/24/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:48 | 2026-03-16 13:08 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided documentation - Due Diligence
Vendor-03/16/2026 Resolved-Resolved - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Open-. - Due Diligence Vendor-03/16/2026 Open- - Due Diligence Vendor-03/16/2026 Ready for Review-3/14/26: (new construction loan). There is no notice of right to cancel on a new construction loan. - Seller-03/14/2026 Open- - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) . - Due Diligence Vendor-03/11/2026 Open- - Due Diligence Vendor-03/11/2026 |
Ready for Review-3/14/26: (new construction loan). There is no
notice of right to cancel on a new construction loan. - Seller-03/14/2026 |
Resolved-Lender provided documentation - Due Diligence
Vendor-03/16/2026 Resolved-Resolved - Due Diligence Vendor-03/16/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:06 | 2026-03-16 13:07 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Borrower photo ID expiration date is XX/XX/XXXX and
note is dated XX/XX/XXXX. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Uploaded photo ID for borrower 1. Expiration date of XX/XX/XXXX. - Buyer-03/16/2026 Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-03/11/2026 |
Resolved-Borrower photo ID expiration date is XX/XX/XXXX and
note is dated XX/XX/XXXX. - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Photo ID.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:37 | 2026-03-16 13:00 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Vendor-03/16/2026 Resolved-Lender provided the final Closing disclosure - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/14/26: The final CD has been uploaded for your review. - Buyer-03/14/2026 Open-TRID: Missing Final Closing Disclosure Loan Type is Construction to Permanent Final CD is required - Due Diligence Vendor-03/11/2026 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Vendor-03/16/2026 Resolved-Lender provided the final Closing disclosure - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 05:50 | 2026-03-16 12:58 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of Right to Cancel is provided - Due
Diligence Vendor-03/16/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-03/16/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. 3/14/26: (new construction loan). There is no notice of right to cancel on a new construction loan. - Seller-03/14/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. 3/14/26: (new construction
loan). There is no notice of right to cancel on a new construction loan. -
Seller-03/14/2026 |
Resolved-TILA: Notice of Right to Cancel is provided - Due
Diligence Vendor-03/16/2026 Resolved-TILA: Notice of Right to Cancel is provided - Due Diligence Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender LOE.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 07:01 | 2026-03-16 12:56 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage/Deed of Trust | Resolved-The Deed of Trust is Present - Due Diligence
Vendor-03/16/2026 Ready for Review-Document Uploaded. This is a construction to permanent loan. There will not be a new note or security instrument. The loan modification agreement with the new terms is in file along with the note addendum and security addendum meets the requirements. - Buyer-03/16/2026 Open-The Deed of Trust is Missing Loan type is Construction to Permanent Required Final DOT document - Due Diligence Vendor-03/11/2026 |
Resolved-The Deed of Trust is Present - Due Diligence
Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Construction to perm.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Closed | 2026-03-11 06:51 | 2026-03-16 12:52 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-03/16/2026
Ready for Review-Document Uploaded. This is a construction to permanent loan. There will not be a new note or security instrument. The loan modification agreement with the new terms is in file along with the note addendum and security addendum meets the requirements. - Seller-03/16/2026 Open-The Note is Missing Loan type is Construction to Permanent Required Valid Note Document Loan amount reflecting $XXXXXX with interest rate of 6.125% - Due Diligence Vendor-03/11/2026 |
Ready for Review-Document Uploaded. This is a construction to
permanent loan. There will not be a new note or security instrument. The loan
modification agreement with the new terms is in file along with the note
addendum and security addendum meets the requirements. - Seller-03/16/2026 |
Resolved-The Note is Present - Due Diligence
Vendor-03/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Construction to perm.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000730 | XXXXXXX | XXXXXXX | Seller | 2026-03-24 08:36 | 2026-03-24 09:00 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/24/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000453 | XXXXXXX | XXXXXXX | Closed | 2026-03-07 15:53 | 2026-03-25 10:00 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid fourth valuation supporting the origination appraisal value is not present. Tertiary valuation AVM returned a value which exceeds 10% variance (-14.89%) from appraised value requiring a BPO to confirm appraised value, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/15/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/07/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000453 | XXXXXXX | XXXXXXX | Seller | 2026-03-25 10:00 | 2026-03-25 10:00 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-03/25/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000731 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 13:23 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/05/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000732 | XXXXXXX | XXXXXXX | Closed | 2026-03-19 13:52 | 2026-03-20 17:17 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-Acknowledged by client. - Due Diligence
Vendor-03/20/2026 Open-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/19/2026 |
Acknowledged-Acknowledged by client. - Due Diligence
Vendor-03/20/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000732 | XXXXXXX | XXXXXXX | Closed | 2026-03-15 16:04 | 2026-03-19 13:51 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-BPO received. - Due Diligence Vendor-03/19/2026 Open-A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/15/2026 |
Resolved-BPO received. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000732 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 13:52 | 2026-03-19 14:05 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $X,XXX,XXX.XX compared to the BPO dated XX/XX/XXXX with a value of $X,XXX,XXX.XX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000733 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 14:43 | 2026-03-23 18:59 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Appraisal Update not required to be provided to the
borrower as it's not considered a "valuation". Condition cleared. -
Due Diligence Vendor-03/23/2026 Ready for Review-Hello, per Comment 1002.14(b)(3)-3 and 1002.14(b)(3)-3.i, "3. Other documentation. Not all documents that discuss or restate a valuation of an applicant's property constitute a “valuation” for purposes of § 1002.14(b)(3). Examples of documents that discuss the valuation of the applicant's property or may reflect its value but nonetheless are not “valuations” include but are not limited to: i. Internal documents that merely restate the estimated value of the dwelling contained in an appraisal or written valuation being provided to the applicant." The notification requirements in 1002.14(a)(1) and 1002.14(a)(2) would not apply to the Appraisal Completion Report since this serves as a confirmation that the construction was completed according to the original appraisal assumptions and would not be considered as a valuation according to the Reg. - Seller-03/23/2026 Counter-requesting documentation that the appraisal update was provided to the borrower. - Due Diligence Vendor-03/17/2026 Ready for Review-Hello, this is the permanent loan of a two time close construction loan. There is a completion report in the file dated XX/XX/XXXX for this loan specifically - Buyer-03/16/2026 Counter-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX Appraisal Update date is XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Hello, Please see the attached econsent. These confirm econsent was received prior to the appraisal delivery date. - Buyer-03/14/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of <<Appraiser_Signature_Date>> is after the Primary Appraisal Delivery Date of <<Appraisal_Delivery_Date>>. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Hello, per Comment 1002.14(b)(3)-3 and
1002.14(b)(3)-3.i, "3. Other documentation. Not all documents that discuss or restate a valuation of an applicant's property constitute a “valuation” for purposes of § 1002.14(b)(3). Examples of documents that discuss the valuation of the applicant's property or may reflect its value but nonetheless are not “valuations” include but are not limited to: i. Internal documents that merely restate the estimated value of the dwelling contained in an appraisal or written valuation being provided to the applicant." The notification requirements in 1002.14(a)(1) and 1002.14(a)(2) would not apply to the Appraisal Completion Report since this serves as a confirmation that the construction was completed according to the original appraisal assumptions and would not be considered as a valuation according to the Reg. - Seller-03/23/2026 |
Resolved-Appraisal Update not required to be provided to the
borrower as it's not considered a "valuation". Condition cleared. -
Due Diligence Vendor-03/23/2026 |
XXXXXXXXXX_E-Sign Audit Log.pdf XXXXXXXXXX_eConsent.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000733 | XXXXXXX | XXXXXXX | Closed | 2026-03-20 09:27 | 2026-03-20 10:15 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-BPO Received - Due Diligence Vendor-03/20/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/20/2026 |
Resolved-BPO Received - Due Diligence Vendor-03/20/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000733 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 14:21 | 2026-03-20 09:27 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000733 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 16:44 | 2026-03-20 09:27 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000733 | XXXXXXX | XXXXXXX | Seller | 2026-03-05 14:47 | 2026-03-23 19:00 | Counter | 3 - Material | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Counter-Please provide evidence of e-Consent dated on or prior
to the appraisal delivery date of XX/XX/XXXX. Condition maintained. - Due
Diligence Vendor-03/23/2026 Ready for Review-Hello, per Comment 1002.14(b)(3)-3 and 1002.14(b)(3)-3.i, "3. Other documentation. Not all documents that discuss or restate a valuation of an applicant's property constitute a “valuation” for purposes of § 1002.14(b)(3). Examples of documents that discuss the valuation of the applicant's property or may reflect its value but nonetheless are not “valuations” include but are not limited to: i. Internal documents that merely restate the estimated value of the dwelling contained in an appraisal or written valuation being provided to the applicant." The notification requirements in 1002.14(a)(1) and 1002.14(a)(2) would not apply to the Appraisal Completion Report since this serves as a confirmation that the construction was completed according to the original appraisal assumptions and would not be considered as a valuation according to the Reg. - Seller-03/23/2026 Counter-requesting documentation that the appraisal update was provided to the borrower. - Due Diligence Vendor-03/17/2026 Ready for Review-Hello, this is the permanent loan of a two time close construction loan. There is a completion report in the file dated XX/XX/XXXX for this loan specifically0 - Buyer-03/16/2026 Counter-E-Consent is dated XX/XX/XXXX, however appraisal delivery date is XX/XX/XXXX - Due Diligence Vendor-03/16/2026 Ready for Review-Document Uploaded. Hello, Please see the attached econsent. These confirm econsent was received prior to the appraisal delivery date. - Buyer-03/14/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-03/05/2026 |
Ready for Review-Hello, per Comment 1002.14(b)(3)-3 and
1002.14(b)(3)-3.i, "3. Other documentation. Not all documents that discuss or restate a valuation of an applicant's property constitute a “valuation” for purposes of § 1002.14(b)(3). Examples of documents that discuss the valuation of the applicant's property or may reflect its value but nonetheless are not “valuations” include but are not limited to: i. Internal documents that merely restate the estimated value of the dwelling contained in an appraisal or written valuation being provided to the applicant." The notification requirements in 1002.14(a)(1) and 1002.14(a)(2) would not apply to the Appraisal Completion Report since this serves as a confirmation that the construction was completed according to the original appraisal assumptions and would not be considered as a valuation according to the Reg. - Seller-03/23/2026 |
XXXXXXXXXX_eConsent.pdf XXXXXXXXXX_E-Sign Audit Log.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000733 | XXXXXXX | XXXXXXX | Seller | 2026-03-20 10:16 | 2026-03-20 10:30 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-AVM ordered on the property received a No-Hit. A BPO dated XX/XX/XXXX valued the property at $XXX,XXX, which is 27.8% lower than original appraised value of $XXX,XXX and outside of the 10% tolerance. - Due Diligence Vendor-03/20/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-10 12:45 | 2026-03-20 11:42 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:59 | 2026-03-20 11:42 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/20/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 11:59 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-15 16:10 | 2026-03-18 11:59 | Resolved | 1 - Information | Property | Appraisal | Missing Secondary Valuation | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 Open-A valid third valuation supporting the origination appraisal value is not present. Secondary valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/18/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 08:32 | 2026-03-14 15:53 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Notice Concerning Extension of Credit disclosure is missing or incomplete | Resolved-Lender provided the Notice of Extension of Credit . -
Due Diligence Vendor-03/14/2026 Resolved-Notice Concerning Extension of Credit disclosure provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Extensions of Credit Disclosure. - Seller-03/13/2026 Open-TX 50(a)(6) Violation: Notice Concerning Extension of Credit disclosure is missing or incomplete. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Extensions of Credit
Disclosure. - Seller-03/13/2026 |
Resolved-Lender provided the Notice of Extension of Credit . -
Due Diligence Vendor-03/14/2026 Resolved-Notice Concerning Extension of Credit disclosure provided. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_Extensions of Credit Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 08:32 | 2026-03-14 15:52 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-Lender provided the Acknowledgement of Fair Market
Value - Due Diligence Vendor-03/14/2026 Resolved-Acknowledgment of Fair Market Value disclosure provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Fair Market Value Disclosure. - Seller-03/13/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - Due Diligence Vendor-03/10/2026 |
Ready for Review-Document Uploaded. Fair Market Value
Disclosure. - Seller-03/13/2026 |
Resolved-Lender provided the Acknowledgement of Fair Market
Value - Due Diligence Vendor-03/14/2026 Resolved-Acknowledgment of Fair Market Value disclosure provided. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_XXXXXXXXXX_State Specific Fair Market Value Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Closed | 2026-03-06 08:32 | 2026-03-14 15:52 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Loan Documents not completed on FNMA/ FHLMC Paper | Resolved-Lender provided proof that the note and Deed were
completed on XXXX/XXXXX papers. - Due Diligence Vendor-03/14/2026 Resolved-Evidence Loan Documents completed on XXXX/XXXXX Paper provided. - Due Diligence Vendor-03/14/2026 Ready for Review-Document Uploaded. Hello, the footer on the note and security instrument both designate these as XXXX/XXXXX model forms. - Buyer-03/13/2026 Open-TX 50(a)(6) Violation: Loan Documents not completed on XXXX/XXXXX Paper. - Due Diligence Vendor-03/10/2026 |
Resolved-Lender provided proof that the note and Deed were
completed on XXXX/XXXXX papers. - Due Diligence Vendor-03/14/2026 Resolved-Evidence Loan Documents completed on XXXX/XXXXX Paper provided. - Due Diligence Vendor-03/14/2026 |
XXXXXXXXXX_Note.pdf XXXXXXXXXX_Paper_Security Instrument.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000734 | XXXXXXX | XXXXXXX | Seller | 2026-03-20 11:48 | 2026-03-20 12:00 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-A BPO dated XX/XX/XXXX valued the property at $XXX,XXX, which is 51.41% lower than original appraised value of $XXX,XXX and outside of the 10% tolerance. - Due Diligence Vendor-03/20/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000735 | XXXXXXX | XXXXXXX | Closed | 2026-03-05 14:24 | 2026-03-19 12:55 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 - Due Diligence Vendor-03/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/15/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000735 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 12:00 | 2026-03-19 12:55 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Valuation AVM returned a value which exceeds a negative 10% variance from appraised value requiring a BPO to confirm valuation, based on securitization valuation waterfall requirements. - Due Diligence Vendor-03/18/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000735 | XXXXXXX | XXXXXXX | Closed | 2026-03-18 12:01 | 2026-03-19 11:54 | Acknowledged | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/18/2026 |
Acknowledged-Finding has been acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000735 | XXXXXXX | XXXXXXX | Seller | 2026-03-19 13:04 | 2026-03-19 13:32 | Open | 3 - Material | Property | Value | Pending Valuation Review - BPO not within tolerance | Open-The As-Is value is $XXX,XXX compared to the BPO dated XX/XX/XXXX with a value of $XXX,XXX is greater than 10%. - Due Diligence Vendor-03/19/2026 | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000736 | XXXXXXX | XXXXXXX | Closed | 2026-03-23 05:51 | 2026-03-23 11:17 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Ready for Review-Per Client, estimated monthly taxes at 1.5% of
the appraisal value of the home divided by 12 months which comes out to be
$XXX. DU included the taxes in the amount of $XXX ($X for taxes, $XXX in
other), allowing for a max DTI of 29.5%. DTI is within guidelines. - Due
Diligence Vendor-03/23/2026 Resolved- - Due Diligence Vendor-03/23/2026 Ready for Review-Document Uploaded. - Due Diligence Vendor-03/23/2026 Open-UW has considered other expenses $XXX.XX, however couldn't locate any supporting document for the same. - Due Diligence Vendor-03/23/2026 |
Document Uploaded. Please see uploaded LOE. Thank You. -
03/23/2026 |
XXXXXXXXXX_Tan_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC1000736 | XXXXXXX | XXXXXXX | Seller | 2026-03-12 03:37 | 2026-03-18 16:04 | Open | 3 - Material | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Open-Primary Value Subject Property Appraisal is not on an As-Is
Basis - Due Diligence
Vendor-03/18/2026 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis 1004D completion report is missing - Due Diligence Vendor-03/12/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC1000738 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:45 | 2026-03-19 12:28 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/03/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC1000738 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 13:05 | 2026-03-19 11:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-03/03/2026 |
Acknowledged-Finding is acknowledged. - Due Diligence
Vendor-03/19/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC1000738 | XXXXXXX | XXXXXXX | Closed | 2026-03-03 12:34 | 2026-03-17 10:00 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided itemization of lender credit - Due
Diligence Vendor-03/17/2026 Resolved- - Due Diligence Vendor-03/17/2026 Ready for Review-Document Uploaded. 3/16/26: The Itemization and Lender LOE have been uploaded for your review. - Buyer-03/16/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) A general Lender Credit was listed on the final CD but cannot be used to offset the under-disclosure due to a missing an itemization of the credit. Provide itemization of general lender credit. Additional conditions may apply. - Due Diligence Vendor-03/03/2026 Open- - Due Diligence Vendor-03/04/2026 Open- - Due Diligence Vendor-03/03/2026 |
Resolved-Lender provided itemization of lender credit - Due
Diligence Vendor-03/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Itemization-LOE.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A |