Exhibit 99.01 Schedule 2
| Loan Number | Seller Loan Number | Originator | Last Name | Note Date | Original Balance | State | TPR QM ATR Status | Loan Status | Exception Date | Remediation Status | Exception ID | Exception Type | Exception Category | Exceptions | Exception Rebuttal | Exception Rebuttal Date | Exception Rebuttal Response | Exception Rebuttal Response Date | Compensating Factors | Initial Overall Loan Grade | Final Overall Loan Grade | Initial Exception Grade | Final Exception Grade | Initial Credit Grade | Final Credit Grade | Initial Property Valuation Grade | Final Property Valuation Grade | Initial Compliance Grade | Final Compliance Grade | Initial Overall Grade (DBRS/Morningstar) | Initial Credit Grade (DBRS/Morningstar) | Initial Property Valuation Grade (DBRS/Morningstar) | Initial Compliance Grade (DBRS/Morningstar) | Initial Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Initial Overall Grade (Kroll) | Initial Credit Grade (Kroll) | Initial Property Valuation Grade (Kroll) | Initial Compliance Grade (Kroll) | Initial Overall Grade (Moodys) | Initial Credit Grade (Moodys) | Initial Property Valuation Grade (Moodys) | Initial Compliance Grade (Moodys) | Initial Overall Grade (S&P) | Initial Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Overall Grade (DBRS/Morningstar) | Final Credit Grade (DBRS/Morningstar) | Final Property Grade (DBRS/Morningstar) | Final Compliance Grade (DBRS/Morningstar) | Final Overall Grade (Fitch) | Final Credit Grade (Fitch) | Final Property Grade (Fitch) | Final Compliance Grade (Fitch) | Final Overall Grade (Kroll) | Final Credit Grade (Kroll) | Final Property Grade (Kroll) | Final Compliance Grade (Kroll) | Final Overall Grade (Moodys) | Final Credit Grade (Moodys) | Final Property Grade (Moodys) | Final Compliance Grade (Moodys) | Final Overall Grade (S&P) | Final Credit Grade (S&P) | Final Property Grade (S&P) | Final Compliance Grade (S&P) |
| OBX2026HYB1290 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2024 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | HMDA review completed, no Level XXX findings noted, condition cleared. | 07/29/2024 | Original LTV is Below the Guideline Maximum - Calculated LTV of 40.18% is less than Guideline LTV of 75% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 40.18% is less than Guideline CLTV of 75% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | CCA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/26/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal at least XXX days prior to consummation. | Evidence of Appraisal Delivery | 02/18/2025 | ; Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/21/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1291 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal at least XXX days prior to consummation. | Evidence of Appraisal Delivery | 02/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX County in a disaster area (XXX) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1296 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Documentation Required missing proof borrower received appraisal XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required missing proof of econsent dated XX/XX/XXXX or before.. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX County in a disaster area (XXX) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared ; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1298 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Acknowledged | XXXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Provide a replacement cost estimator or evidence Hazard Insurance coverage is increased to cover loan amount. | see attached - coverage is enough | 02/18/2025 | Investor granted waiver base on obtaining the property's current hazard insurance, which shows sufficient coverage, along with property inspection showing no damages. Final grade will be a B. ; The appraisal cost as new is not acceptable and we will default to Fannie Mae guidelines. Finding remains. ; Finding remans as lender does not allow the appraisal cost as new for hazard coverage requirements. | 03/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | B | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Provide evidence property located at XXX is owned free and clear, unable to locate document confirming there are no liens against the property. | please look at the attachments submitted, tax & insurance were attached; the borrower inherited the property - credit report and title do not reflect any mortgages and we dont ask the borrower for LOE stating the property owned free and clear, HOA, taxes and insurance were included in DTI | 02/21/2025 | Audit reviewed Lender's response and has determined the fraud report reflects no mortgage liens on property, there is no open mortgages reflected on credit report and insurance does not reflect a lien holder, all supporting property XXX SE Avenue Unit XXX is owned free and clear. Condition cleared.; Finding remains as we will require an LOX for no hazard coverage or actual policy if included. | 02/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | D | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence the appraisal was sent to the borrower at least XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property located in FEMA Declared Disaster Area on XX/XX/XXXX through XXX/XXX/XXX. The appraisal was completed prior to the start date and loan requires the missing property inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | Property Title Issue | Property Title Issue The Preliminary Title Commitment Schedule B-I requirements indicates the following: #XXX from XXX, a single person, to XXX #XXX Record dismissal of court action with respect to Case No. XXX, Circuit Court XXX, Florida Provide a copy of the final Title Policy reflecting the correct Mortgagee and dismissal of court action. | final policy | 02/18/2025 | Property Title Issue Resolved | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1295 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XXX-XXX-XXX) was XXX within XXX Days of Application Date, (XXX-XXX-XXX). ARM disclosure issued XXX/XXX/XXX; signed by Borrower 1/XXX/XXX. | Arm disclosure was provided in initial disclosure package but was signed by the borrower later - the date on arm disclosure represents when the borrower signed the disclosure, not when AB sent the disclosure | 02/14/2025 | Lender provided Disclosure Tracker reflecting the ARM disclosure was provided within initial disclosures dated XXX/XXX/XXX. Condition cleared. ; ARM Disclosure Provided Within XXX Days of Application Date or XXX. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Lender provided Disclosure Tracker reflecting Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1299 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property located in FEMA Declared Disaster Area as of XX/XX/XXXX through XXX/XXX/XXX. Appraisal was completed prior to the FEMA disaster start date, missing required property inspection report. | Updated BPO provided - correct address - no damage - condition cleared; BPO provided; however, the BPO is not for the subject property. Condition retained.; Informational Only - Investor ordering PCI | 02/27/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/18/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Additional Data Tape Provided. Matches Audit. Condition cleared. ; Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs XXX vs Lender Total Loan Costs XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete - Other finding added.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the appraisal was delivered to the borrower at least XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1309 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | BPO for FEMA provided by XXX - no damage - condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared.; Lender provided an attestation that they have no affiliates, condition cleared. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file is missing documentation to show the appraisal was provided to the borrower at least XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XXX-XXX-XXX) was XXX within XXX Days of Application Date, (XXX-XXX-XXX). The ARM disclosure in file is signed on XX/XX/XXXX with no evidence it was sent to the borrower within XXX day of application | Arm disclosure was provided in initial disclosure package but was signed by the borrower later - the date on arm disclosure represents when the borrower signed the disclosure, not when AB sent the disclosure | 02/14/2025 | Lender provided Disclosure Tracker verifying ARM Disclosure was sent to Borrower with initial Disclosures on XXX/XXX/XXX. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or XXX. Lender provided Disclosure Tracker verifying ARM Disclosure was sent to Borrower with initial Disclosures on XXX/XXX/XXX. Condition cleared. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Evidence of eConsent is provided. The eSigned documents consent provided, condition cleared.; Evidence of eConsent is provided. The eSigned documents consent provided, condition cleared.; Evidence of eConsent is provided. Lender provided Disclosure Tracker verifying Borrower's eConsent date. Condition cleared.; Lender provided Disclosure Tracker verifying Borrower's eConsent date. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent provided, condition cleared.; Evidence of eConsent is provided. Lender provided Disclosure Tracker verifying Borrower's eConsent date. Condition cleared. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Hazard Insurance coverage of XXX is less than required coverage required. Appears the borrower has XXX separate Hazard insurance policies with different companies, however only one premium was used to calculate the DTI. Please provide a replacement cost estimator and LOE if XXX companies were used. Additional conditions may apply. | replacement cost is listed on insurance - no replacement cost calculator is required also as per appraisal the total estimate of cost new is XXX dwelling all peril reflect XXX | 02/17/2025 | Lender provided hazard insurance policy reflecting replacement cost coverage. Condition cleared.; Hazard Insurance coverage meets guideline requirement | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1310 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | C | A | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Loan is missing proof of E-Consent. Provide documentation confirming the borrower completed the E-Consent. | eConcent | 02/18/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA Declared XXX county in a disaster area (XXX) on XX/XX/XXXX with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. | BPO for FEMA provided by XXX - no damage - condition cleared ; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. DD firm will order. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1294 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/14/2025 | Acknowledged | XXXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of 79.19% exceeds Guideline LTV of 70%. Audited LTV of 79.19% exceeds MAX LTV per lender guidelines of XXX% for investment loans No Cash Out with loan amount > XXX million Per Lender Guidelines dated XXX/XXX/XXX. Application date is XXX/XXX/XXX. | we have XXX% LTV exception | 02/20/2025 | XXX approved waiver - downgrade to B; Lender provided exception approval for LTV. Client may approve an exception waiver - waiver requests must be submitted to lendermail@bofa om. Condition retained. | 03/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | B | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | CCA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | Missing rent comparable schedule form 1007 | XXX DU approval requires XXX for the subject property unless entire payment is included in the DTI. In this case file shows net loss of XXX per month. XXX Provide rental agreement for the property at XXX XXX # XXX. Address on XXX tax return Sch. E shows XXX XXX XXX. Unit XXX is not listed on the Final 1003. Lender to provide satisfactory explanation. If no longer owned provide proof. This property was not listed or added to the DTI. Additional conditions may apply. | the property is listed on XXX tax returns - see attached - the name on tax returns is the HOA name - shooting star as listed on maintenance, our units XXX ; we did not use XXX this is the XXX of existing property and rental income was verified with tax returns. | 02/21/2025 | Lender provided Rental Management Agreement for Hotel XXX Unit XXX and provided schedule E for property XXX XXX which is the subject property and supports rental income used by Lender. The Rental Management Agreement verifies property is unit XXX The 1003 is incorrect reflecting unit as XXX The fraud report and schedule E verifies property unit # is XXX The Fraud report also confirms XXX XXX Unit #XXX is owned free and clear. Condition cleared. ; Subject property is not listed on XXX Returns. Please provide rental income documentation for Subject property. AND Provide documentation borrower has no interest in XXX XXX Unit XXX on XXX Schedule E or provide PITIA documentation and include in DTI (Provide update XXX/1003). Condition remains. | 02/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | D | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/09/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to confirm the borrower completed the E-Consent. The borrower esigned disclosures but the E-Consent wasn't provided. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Additional Data Tape Provided. Matches Audit. Condition cleared. ; Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs XXX vs Lender Total Loan Costs Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. Also, HMDA discrepancy noted: Audit address XXX XXX #XXX vs Lender value XXX XXX XXX Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Confirmed effective date of H06 coverage is XX/XX/XXXX when note date is XXX/XXX/XXX. Lender to provide update. | there were XXX policies provided XXX/XXX/XXX-XXX/XXX/XXX and XX/XX/XXXX -XXX/XXX/XXX to cover the closing date od XX/XX/XXXX | 02/18/2025 | Lender provided insurance with effective date of XX/XX/XXXX - XXX/XXX/XXX. Condition cleared.; HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is XXX; HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Lender provided previous HOI policy. Condition cleared.; HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Lender provided previous HOI policy. Condition cleared. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | XXX MISSING MORTGAGE Statement to confirm PITI for the property at XXX XXX XXX along with proof of HOA or letter from the borrower explaining there is no HOA. (Several stmts in file don't show.) XXX Missing proof of HOA or letter from borrower stating no HOA for the following properties: XXX, XXX XXX # XXX.(There is an HOA stmt for # XXX which is not a property showing on the Final 1003. Confirm # XXX is not borrowers with a property profile. | see attached - property is coop - maint. bill quarterly including taxes, note provided we closed primary residence XXX simultaneously ; attached, escrows included on the mortgage payment | 02/19/2025 | Lender provided quarterly Statement for taxes and dues on property XXX XXX. Condition cleared.; Received PITI documents for XXX XXX, however; Please provide Primary Residence (XXX XXX) COOP monthly maintenance documentation. Condition remains. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | D | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1312 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | Audited LTV Exceeds AUS LTV | Audited CLTV of 70% exceeds AUS CLTV of 70% Audited CLTV of 70% exceeds MAX LTV per lender guidelines of XXX% for investment loans with loan amount > XXX million. | ; Other finding added. Rescind; Audited HCLTV of 80% is less than or equal to AUS CLTV of % | 02/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | A | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal at least XXX days prior to consummation. | Evidence of Appraisal Delivery | 02/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX in a disaster area (XXX XXX) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared ; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | Missing income documentation | Other income of XXX a month is not documented in the file. Note on XXX says base only was used but includes the other income. | The borrower does have restricted stock, bonus, and commission income from the current job, The borrower made XXX pre-tax in XXX and YTD supports, over $XXX per year. While the XXX comments show’s base, additional income was added from the additional income verified with the full VOE, most current pay stubs and W-2’s in the file in the other income section. ; The borrower does have restricted stock, bonus, and commission income from the current job, The borrower made XXX pre-tax in XXX and YTD supports, over $XXX per year. While the XXX comments show’s base, additional income was added from the additional income verified with the full VOE, most current pay stubs and W-2’s in the file in the other income section. | 02/19/2025 | Audit reviewed Lender's response and has determined the WVOE and pay stubs in file supports base and other income used by Lender. Condition cleared.; Document provided will not open and is corrupted. Please provide current document and Income Calculations. Condition remains. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1314 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Lender agrees with HMDA, condition cleared.; Lender agrees with HMDA, condition cleared.; Lender agrees with HMDA, condition cleared.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Loan Originator NMLS Number XXX vs Lender Loan Originator NMLS Number XXX Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete - Other finding added.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX County in a disaster area (SEVERE STORMS, FLOODING, AND TORNADOES) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared ; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/07/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/09/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/09/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The E-Consent was acknowledged on XX/XX/XXXX but there are esigned disclosures prior to that date. Provide a copy of the E-Consent dated on or prior to XXX/XXX/XXX. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1297 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1300 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. CA to order CDA | Third party valuation product provided within tolerance. | 02/25/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1300 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1300 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/24/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 02/24/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal XXX-business days prior to the consummation date. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX in a disaster area (XXX XXX) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared ; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1315 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing. | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property located in FEMA Declared Disaster on XX/XX/XXXX through XX/XX/XXXX due to flooding. Appraisal was completed prior to this start date (XXX/XXX/XXX), a PDIR is required for this loan. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1318 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared.; Lender provided an attestation that they have no affiliates, condition cleared. | 02/19/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/19/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide evidence the E-Consent was provided and signed on or prior to e-signing any documents. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/19/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1319 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). AUS required full appraisal. The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. | Evidence of Appraisal Delivery | 02/18/2025 | ; Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Please provide Post Disaster Report. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide proof of E-Consent dated on or prior to XXX/XXX/XXX. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1320 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Documentation Required missing proof borrower received appraisal XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Econsent Documentation Required missing proof of econsent dated XX/XX/XXXX or before. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE was not within three days of Note Date. | verbal within XXX days of closing were done, we did not have a guideline for XXX days verbal | 02/18/2025 | COVID guidelines updated and VOE is sufficient. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE was not within three days of Note Date. | verbal within XXX days of closing were done, we did not have a guideline for XXX days verbal | 02/18/2025 | COVID guidelines updated and VOE is sufficient. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1321 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared.; Lender provided an attestation that they have no affiliates, condition cleared. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). AUS required full appraisal. The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide evidence the borrower signed the E-Consent on or prior to XXX/XXX/XXX. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Audit XXX vs Lender XXX. please clarify? | 02/17/2025 | Audit reviewed Lender's response and has determined tape value of XXX matches audit value of XXX. Condition cleared.; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit XXX vs Lender XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1322 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete - Other finding added.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Documentation Required missing proof borrower received appraisal XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Econsent Documentation - missing proof of econsent date XX/XX/XXXX or before. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (SEVERE STORMS, TORNADOES, AND STRAIGHT-LINE WINDS) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Please provide Post Disaster Report. | BPO for FEMA provided by XXX - no damage - condition cleared ; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1323 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). AUS required an full appraisal to be completed. Appraisal completed on XXX/XXX/XXX. Please provide evidence borrowers received appraisal prior to XXX days of consummation. | Evidence of Appraisal Delivery | 02/18/2025 | ; Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Initial loan documents were electronically signed on XXX Please provide eConsent dated on or prior to XXX/XXX/XXX. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1324 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. The file is missing the Third Party Valuation. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 03/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX OF XXX XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Please provide Post Disaster Report. | Lender provided BPO dated XXX/XXX/XXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared.; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | ; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1325 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Acknowledged | XXXXX | Credit | Cash Out Does Not Meet Guideline Requirements | Cash out of XXX exceeds Lenders Guideline Max cash out of XXX per Lender Guidelines dated XXX/XXX/XXX. Application date is XXX/XXX/XXX. | exception with comp factors | 02/18/2025 | XXX approved waiver - downgrade to B; Finding remains as the cash out maximum has been exceeded. Lender is stating an exception is being made with comp factors. XXX to review. Client may approve an exception waiver - waiver requests must be submitted to XXX. Condition remains.; Finding remains as the cash out maximum has been exceeded. Lender is stating an exception is being made with comp factors. XXX to review. Client may approve an exception waiver - waiver requests must be submitted to XXX. Condition remains. | 03/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | B | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The Privacy Disclosure States XXX does not share with our affiliates, therefore an Affiliated Business Disclosure is required. Please provide a copy dated within XXX days of application to clear exception. | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide evidence the E-Consent was signed on or prior to XXX/XXX/XXX. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | B | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | C | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1301 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided Cash out of XXX exceeds Lenders Guideline Max cash out of $XXX. | Other finding added. Rescind; AUS is not incomplete | 02/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | B | D | A | D | B | C | A | B | A | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | D | D | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal at least XXX-business days prior to the consummation date. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1304 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 03/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. for the initial disclosres dated XX/XX/XXXX | eConcent | 02/18/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX county in a disaster area (XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage, however the appraisal date is prior to the FEMA release date. A Post Disaster Inspection is required. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1306 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for all initial disclosures dated XX/XX/XXXX | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1303 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. | policy started XX/XX/XXXX | 02/17/2025 | Lender provided hazard insurance with effective date of XXX/XXX/XXX. Condition cleared.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence the borrower received a copy of the appraisal at least XXX days prior to consummation. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Affiliated business disclosure is missing. | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1307 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/10/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. DD firm will order. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien $XXX. | attached | 02/21/2025 | Lender provided title policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 02/24/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Documentation Required missing proof borrower received appraisal at least XXX-business days prior to the consummation date. | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required missing ABD | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1313 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete - Other finding added.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 04/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/18/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs XXX vs Lender Total Loan Costs Missing. AND Audit ULI Missing in loan file vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs XXX vs Lender Total Loan Costs Missing. AND Audit ULI Missing in loan file vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value.; Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs XXX vs Lender Total Loan Costs Missing. AND Audit ULI Missing in loan file vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 04/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. DD firm will order. | CCA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX county in a disaster area (XXX) on XX/XX/XXXX with a release date of. XXX/XXX/XXX. The appraisal in file is dated and shows no damage, however the appraisal date XX/XX/XXXX is prior the the FEMA release date. A Post Disaster Inspection is required. | Issue resolved as there is no damage due to the storm. ; BPO for FEMA provided by XXX - no damage - condition cleared; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing proof the appraisal was sent to the borrower at least XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided.; Evidence of appraisal delivery provided. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Cleared as we have received the missing E-consent. ; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Credit | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. Cash out of XXX exceeds Lenders Guideline Max cash out of XXX Per Lender guidelines dated XXX/XXX/XXX. Application date is XXX/XXX/XXX. | ... While the cash out limit at the time was exceeded, the original loan was purchased for cash, original settlement Statement was in the file and the deed. So, the cash out was exceeded due to using standard guidelines for delayed financing. | 02/19/2025 | Condition cleared as we have received evidence of delayed financing and loan meets Fannie Mae guidelines at max XXX% cash out not to exceed original purchase price. ; Approval/Underwriting Summary is fully present | 02/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1302 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Hazard Insurance coverage of XXX is less than required coverage of XXX | coverage XXX is enough, dec page States XXX% replacement cost coverage | 02/18/2025 | Cleared as we have received evidence of XXX% replacement cost. ; Hazard Insurance coverage meets guideline requirement | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit Total Loan Costs XXX vs Lender Total Loan Costs Missing. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | Lender agrees, HMDA discrepancy cleared. ; Lender agrees, HMDA discrepancy cleared. | 02/20/2025 | C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/20/2025 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX county in a disaster area (XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage, however the appraisal date is prior the the FEMA release date. A Post Disaster Inspection is required. | BPO for FEMA provided by XXX - no damage - condition cleared; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1311 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. DD firm will order. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/21/2025 | Resolved | XXXXX | Compliance | Settlement Cost Booklet has not been entered | Settlement Cost Booklet has not been entered | Not required for loan type. ; Not required for loan type. ; Not required for loan type. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX in a disaster area (XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage, however, the appraisal date is prior to the FEMA release date. A Post Disaster Inspection is required. | BPO for FEMA provided by XXX - no damage - condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1326 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 77.66% is less than Guideline CLTV of 95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 77.66% is less than Guideline LTV of 95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Documentation Required missing proof borrower received appraisal XXX at least XXX days prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | ; Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Econsent Documentation missing proof of econsent date XX/XX/XXXX or before. The eSigned documents consent is missing. | eConcent | 02/18/2025 | ; Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/18/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Additional Data Tape Provided. Matches Audit. Condition cleared. ; Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI missing, lender to provide vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1327 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Third Party Valuation Product is required and is missing. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 69.35% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Acknowledged | XXXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV is 70% exceeds Guideline LTV is 70% Guideline MAX LTV is 70% for Purchase, 2nd Home Loan amount XXX - XXX per guidelines dated XXX/XXX/XXX. Application date is XXX/XXX/XXX. | XXX approved waiver - downgrade to B | 03/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | B | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX County in a disaster area (XXX of XXX XXX) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | B | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal at least XXX days prior to consummation | Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | B | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | B | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1328 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | B | C | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared Bucks County in a disaster area (XXX) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage, however, the appraisal date is prior to the FEMA release date. A Post Disaster Inspection is required. | Lender provided PCI dated XXX/XXX/XXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; BPO provided; however, the BPO reflects property was not visible from the street and photos of the subject property was not included in the report. It could not be determined if property sustained any damages from the FEMA disaster. Condition retained.; Informational Only - Investor ordering PCI | 03/06/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Additional Data Tape Provided. Matches Audit. Condition cleared. ; Additional Data Tape Provided. Matches Audit. Condition cleared. ; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit XXX vs Lender Kintnersvllle. AND Audit Total Loan Costs XXX vs Lender Total Loan Costs XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete - Other finding added.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Documentation Required: missing proof borrower received appraisal at least XXX business days prior to consummation | Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required missing proof of econsent date XX/XX/XXXX or before. The eSigned documents consent is missing. | Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1292 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Property is located in a FEMA disaster area. FEMA declared XXX County in a disaster area (XXX of XXX XXX) on XXX/XXX/XXX, with an end date of XXX/XXX/XXX. The appraisal in file is dated XXX/XXX/XXX. Please provide Post Disaster Inspection report. | Lender provided BPO dated XXX/XXX/XXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file is missing proof the appraisal was sent to the borrower at least XXX days prior to consummation | Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1316 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). | Evidence of Appraisal Delivery | 02/18/2025 | ; Evidence of appraisal delivery provided. Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Provide documentation to show the borrowers completed the E-Consent on or prior to XXX/XXX/XXX. | eConcent | 02/18/2025 | ; Evidence of eConsent is provided. Lender provided verification of Borrower’s eConsent. Condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/12/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1305 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Missing; Lender provided an attestation that they have no affiliates, condition cleared. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.35% is less than Guideline LTV of 90% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.35% is less than Guideline CLTV of 90% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal prior to consummation | Evidence of Appraisal Delivery | 02/18/2025 | Evidence of appraisal delivery provided.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | eConcent | 02/18/2025 | Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/18/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | Lender confirmed ULI accurate - condition cleared; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI missing, lender to provide vs Lender ULI XXX. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA declared XXX county in a disaster area (SEVERE STORM AND FLOODING) on XXX/XXX/XXX, with a release date of XXX/XXX/XXX. The appraisal in the file is dated XX/XX/XXXX and shows no damage. Please provide Post Disaster Inspection report. | BPO for FEMA provided by XXX - no damage - condition cleared; Property Inspection Provided.; Informational Only - Investor ordering PCI | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Property | Condo Approval Missing | Condo Approval Missing. Condo Project approval is Missing. | we don't have formal condo approval forms - UW review the project and determine eligibility | 02/18/2025 | Condo Approval is provided. Condo questionnaire in file - meets requirements. Condition cleared. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Fraud Report is not passing with an Auto Refer. Alerts reflect borrowers' own XXX XXX. XXX, NY. The address is present on borrowers documents in the loan file and was not included in the REO on the 1003. Missing evidence that the property has been sold. | the property does not belong to our borrower - the porperty belongs to XXX XXX which has the same name, XXX XXX owned by XXX (XXX) our borrower name XXX XXX. property was bought in XXX when our borrower was only XXX years old | 02/18/2025 | Audit reviewed Lender's response and has determined property XXX XXXt is owned by the Borrower's father who has the same name. The Lender provided the Borrower's Birth Certificate verifying Borrower's father has the same First and Last Name. Condition cleared.; All Fraud Report Alerts have been cleared or None Exist | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party valuation product provided within tolerance.; Third Party Valuation Product XXX, DD firm to order. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1293 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/11/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided.; For informational purposes only. DD firm to complete: Loan is pending HMDA data review. Additional conditions may apply. | 02/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline CLTV of 65.38% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 65.38% is less than Guideline CCLTV of 65.38% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing a signed and dated closure letter, showing HELOC with XXX XXX Bank is closed to future draws. Additional conditions may apply. | attached | 02/21/2025 | Lender provided LOE from Community First verifying HELOC has been paid in full and closed to future draws. Condition cleared.; Borrower 1 Credit Report is not partially present. | 02/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender provided an attestation that they have no affiliates, condition cleared. ; Required Affiliated Business Disclosure Documentation Provided | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing proof the borrower received a copy of the appraisal at least XXX-business days prior to the consummation date. | Lender provided Disclosure Tracker verifying Borrower’s receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Lender provided verification of Borrower’s eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 02/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of XXX is less than required coverage required Hazard Insurance coverage of XXX is less than required coverage of $XXX. Please provide an updated declaration or replacement cost estimator showing sufficient coverage. Additional conditions may apply. | the coverage is sufficient - as per the police the coverage at replacement cost basis and XXX% extended replacement cost | 02/19/2025 | Condition cleared as we have received evidence of replacement cost coverage included with hazard coverage. ; Hazard Insurance coverage meets guideline requirement | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit XXX vs Lender Westfietd. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | Lender city is XXX as per provided LAR | | 02/19/2025 | HMDA data received, no new discrepancies noted, condition cleared. ; HMDA data received, no new discrepancies noted, condition cleared. ; ; HMDA data received, no new discrepancies noted, condition cleared. ; HMDA data received, no new discrepancies noted, condition cleared. ; HMDA data received, no new discrepancies noted, condition cleared. ; HMDA data received, no new discrepancies noted, condition cleared. ; HMDA data received, no new discrepancies noted, condition cleared. ; HMDA data received, no new discrepancies noted, condition cleared. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1308 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/14/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. DD Firm to order. | Third party valuation product provided within tolerance. | 02/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1329 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/25/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Complete - Other finding added.; HMDA Data Tape Provided. | 10/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1329 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | XXX loan; Borrower already owned the land, so purpose on 1003 shows XXX; however, the loan is for the purpose of constructing a home, therefore HMDA purpose reported as purchase. | 09/15/2025 | Audit reviewed Lender's response and has determined the loan is a Construction to Permanent Financing and is considered a purchase for HMDA. Condition cleared.; Material Finding; Material Finding; HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Audit reviewed Lender's response and has determined the loan is a Construction to Permanent Financing and is considered a purchase for HMDA. Condition cleared.; Material Finding; Material Finding; HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Audit reviewed Lender's response and has determined the loan is a Construction to Permanent Financing and is considered a purchase for HMDA. Condition cleared.; Material Finding; Material Finding; HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Audit reviewed Lender's response and has determined the loan is a Construction to Permanent Financing and is considered a purchase for HMDA. Condition cleared.; Material Finding; Material Finding; HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Audit reviewed Lender's response and has determined the loan is a Construction to Permanent Financing and is considered a purchase for HMDA. Condition cleared.; Material Finding; Material Finding; HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. ; Audit reviewed Lender's response and has determined the loan is a Construction to Permanent Financing and is considered a purchase for HMDA. Condition cleared.; Material Finding; Material Finding; HMDA Discrepancy(s) have been noted: Audit Refinancing vs Lender Home Purchase. Lender can clear finding by agreeing with audit value or providing documentation to support their value. | 10/30/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1329 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/25/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Missing third party valuation product, CDA or higher. | Third party valuation product provided within tolerance.; CA to order CDA | 09/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1351 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Missing CU score | Lender provided BPO within tolerance. Condition cleared; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.38% is less than Guideline LTV of 65.38% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.38% is less than Guideline CLTV of 65.71% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1351 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.71% is less than Guideline CLTV of 65.71% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.71% is less than Guideline CLTV of 65.71% | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1351 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.71% is less than Guideline CLTV of 65.71% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65.71% is less than Guideline CLTV of 65.71% | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. CU Score XXX R&W Relief Not Eligible. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required: The initial CD appears to be missing from the file. Please provide Initial CD issued XX/XX/XXXX for compliance testing. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_DH_##(ii))]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | Initial CD and disclosure tracking | 12/10/2025 | Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing XXX-month Verification of Rent or monthly bank Statement history showing XXX monthly lease figure paid to B1 parents for the current primary residence at XXX XXX Mortgage Lending Procedures require identification of any late payments in the last XXX months in the borrower's mortgage or rental history. The Final 1003 identifies this address as the current rental property for the past XXX months. | UW LOE | 12/10/2025 | Audit reviewed Lender's response and has determined the Mortgage and Rental Payment History of the guideline is based on the most recent credit report or verification and does not specifically require a Verification of Rent. Condition cleared.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1379 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | B | A | D | A | C | A | C | A | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | B | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Missing Document - Fully executed Right of Rescission by all parties. | ROR Waived | 12/10/2025 | Right of Rescission is Provided; Same lender XXX - no new money - condition cleared; Lender provided a ROR Calculation form; however, did not provide the Right to Cancel form. Condition retained. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | D | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Rescinded | XXXXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(XXX CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end [[(XXX CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. The consummation date is XXX/XXX/XXX, and the disbursement date on the final CD in file is XXX/XXX/XXX, which is before the third business day following consummation. If rescission was re-opened, please provide a copy of the PCCD or final settlement Statement with the correct disbursement date and LOE to advise why rescission was re-opened. | ROR not required - no new money and same lender refi - condition rescinded | 12/16/2025 | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Third Party Valuation Product XXX or XXX Within Tolerance. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO NOT within tolerance. Condition remains. | 12/16/2025 | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1334 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Third Party Valuation Product XXX. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing Document - Affiliated Business Disclosure | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1356 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the property at XXX XXX is owned free and clear. Please provide property profile report for the property at XXX XXX. | Property Report | 12/08/2025 | Lender provided Property Detail Report for property XXX XXX verifying property is owned free and clear of liens. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1388 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1381 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1345 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1345 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1332 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1332 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.71% is less than Guideline LTV of 65.71% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.71% is less than Guideline LTV of 56.52% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1332 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated LTV of 56.52% is less than Guideline LTV of 56.52% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.52% is less than Guideline LTV of 56.52% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 01/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.52% is less than Guideline CLTV of 56.52% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.52% is less than Guideline CCLTV of 56.52% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Provide ARM Disclosure dated within XXX business days of application. | ARM Disclosure | 12/15/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or XXX; ARM Disclosure is Missing. Provide ARM Disclosure dated within XXX business days of application. | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 61.11% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.11% is less than Guideline CCLTV of 61.11% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Missing income documentation | Lender guidelines require evidence of receipt of the most recent XXX months payments to use Notes Receivable Income, XXX from bank Statements if payments were documented. Lender to provide documents verifying most recent XXX months. | Response to Missing Income Documentation | 12/11/2025 | Audit reviewed Lender's response. The loan file contains documentation verifying the Expert Home Services was sold on XXX/XXX/XXX. The promissory Note and the bank Statements support business sold and Borrower's receipt of XXX monthly payment on business. Condition cleared.; Audit reviewed Lender's response. The loan file contains documentation verifying the XXX was sold on XXX/XXX/XXX. The promissory Note and the bank Statements support business sold and Borrower's receipt of XXX monthly payment on business. Condition cleared. | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 61.11% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.11% is less than Guideline CCLTV of 61.11% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing The following K1 documents were not found and are listed on the borrower's XXX Tax Returns Schedule E, Lender to provide copies or evidence why they are not available: -XXX -XXX -XXX -XXX | Response to Missing Business Tax Returns | 12/11/2025 | Borrower 1 Business Tax Returns Provided; Audit reviewed Lender's response. The loan file contains documentation verifying the XXX was sold on XXX/XXX/XXX. The promissory Note and the bank Statements support business sold and Borrower's receipt of XXX monthly payment on business. In addition, the XXX other businesses XXX, XXX and XXX were on form XXX and not schedule E, a K1 would not be available or required for these businesses. Condition cleared.; Borrower 1 Business Tax Returns Missing The following K1 documents were not found and are listed on the borrower's XXX Tax Returns Schedule E, Lender to provide copies or evidence why they are not available: -XXX -XXX -XXX-XXX. | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 61.11% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.11% is less than Guideline CCLTV of 61.11% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | D | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1389 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. The Fannie Mae UCDP score exceeds XX/XX/XXXX and is XXX Lender to provide a current AVM. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. The Fannie Mae UCDP score exceeds XX/XX/XXXX and is XXX Lender to provide a current AVM. | 12/15/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline CLTV of 61.11% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 61.11% is less than Guideline CCLTV of 61.11% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | D | A | C | A | D | A | C | A | D | A | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | D | D | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1385 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.11% is less than Guideline LTV of 61.11% | Original LTV is Below the Guideline Maximum - Calculated LTV of 61.11% is less than Guideline CLTV of 55.29% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1342 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1342 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.29% is less than Guideline LTV of 55.29% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.29% is less than Guideline CLTV of 65% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1387 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 65% | Original LTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 65% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1350 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice Disclosure, has affiliates. Provide the Affiliated Business Disclosure dated within XXX business days of application XX/XX/XXXX | Lender confirmed no affiliated relationships.; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide evidence that a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XXX/XXX/XXX. | PROOF OF APPRAISAL DELIVERY; PROOF OF APPRASIAL DELIVERY | 12/11/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided a log history; however, it does not reflect the appraisal was sent to the Borrower. Condition retained. ; Material | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1338 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Rescinded | XXXXX | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date | Per asc ov website - license was effective XXX/XXX/XXX, active at time of loan - condition rescinded.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are XXX | 12/11/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. HELOC closure letter in file is not signed. | Deed Reconveyance; Full Credit Report | 12/17/2025 | Condition cleared as we have received evidence of reconveyance for the HELOC. ; Borrower 1 Credit Report is not partially present.; Audit reviewed Lenders response, however; Please provide documentation verifying HELOC paid off is Closed (HELOC closure letter in file is not signed.). Condition remains | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | C | A | C | A | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice Disclosure, has affiliates. Provide the Affiliated Business disclosure dated within XXX business days of application XXX/XXX/XXX. | Lender confirmed no affiliated relationships.; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | C | A | C | A | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Provide executed Right of rescission for all borrowers. | Right of Rescission is Waived. | 12/11/2025 | Same Lender Refi - no new money - condition cleared; Right of Rescission is Provided | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | C | A | C | A | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Rescinded | XXXXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(XXX CFR §1026.23(a)(3), transferred fromCLTV of 75% §226.23(a)(3)), Open-end [[(XXX CFR §1026.15(a)(3), transferred fromCLTV of 75% §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required byCLTV of 75% §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. The ROR is missing. Executed ROR is required. | Right of Rescission is Waived. | 12/11/2025 | ROR not required - no new money and same lender refi - condition rescinded | 12/16/2025 | D | A | A | A | C | A | C | A | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | C | A | C | A | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1376 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | C | A | C | A | D | A | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | D | C | C | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Acknowledged | XXXXX | Credit | Borrower has less than 2 FICO scores and does not meet minimum required to be scored. | Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | Mortgage Escalation Form | 12/16/2025 | Investor acknowledges exception, final grade will be a B.; Lender provided Escalation Request for credit scores. XXX must approve exception. Condition retained.; Material; Borrower(s) FICO score meets guidelines.; Borrower has less than XXX FICO scores and does not meet minimum required to be scored. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | B | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1355 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the privacy notice disclosure, XXX has affiliates. Provide the affiliated business disclosure dated within XXX business days of application XX/XX/XXXX | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | A | C | B | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing, mtg Statement, taxes, ins and any other applicable documentation XXXd with property located at XXX XXX. Please upload all documentation XXXd with this loan as shown on the Final 1003 | XXXXX Response and Documentation ; Documentation for XXX XXX Clearer copies; Response to Condition for Missing verification of taxes, insurance and/or HOA fees etc. | 12/22/2025 | Lender provided LOE from Borrower for property XXX W Ritner St indicating property is owned free and clear, which is supported by the fraud report in file; therefore, insurance would not be required. Lender also provided tax information to verify monthly tax amount and provided property details reflecting property is a Row home built in XXX supporting property is not subject to HOA fees. Condition cleared.; Audit reviewed Lenders response, however; Please provide Tax Documentation. No HOE LOE received. Conditions remains.; Audit reviewed Lenders response, however; Documents received are blury. LOE received NO HOI. Missing Tax documentation and HOA documentation. Condition remains.; Audit reviewed Lenders response, however; Documents received are blury. LOE received NO HOI. Missing Tax documentation and HOA documentation. Condition remains. | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline LTV of 65% | Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 55% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. per final review | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 55% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 55% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1352 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the privacy notice disclosure, XXX has affiliates. Provide the affiliated business disclosure dated within XXX days of application XXX/XXX/XXX. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 55% | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline LTV of 55% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Meets guidelines.; Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1386 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | Missing Divorce Decree | The 1003 includes Alimony payments, a copy of the recorded divorce decree/separation agreement was not found in the file. Lender to provide. | Tax returns and check copies ; Background Check, check copies, UW LOE ; XXXXX response to rejected condition.; UW response regarding condition. Thank you; Response to Divorce Decree Condition | 12/29/2025 | Condition resolved as we have received the full tax returns and evidence of the additional $XXX payments in account.; The finding remains, please submit the full tax return and not just a snip-it of the alimony paid, need ot verify these are borrowers tax returns. The bank Statements show XXX separate XXX checks being paid to XXX different people. It appears Borrower may have an additional monthly payment of $XXX., please verify what this additional payment is for.; Lender provided a snippet of the XXX tax return reflecting total alimony paid of $XXX; however, the tax return is not in the loan file. In addition, the bank Statements show XXX separate XXX checks being paid to XXX different people. It appears Borrower may have an additional monthly payment of $XXX. Please provide documentation such as the divorce decree verifying the total alimony being paid by Borrower each month. Condition retained.; The finding remain valid as a court document is required, the tax return amount would not meet requirements. ; Audit reviewed Lenders response, however; Missing Court documentation verifying amount borrower is responsible to pay. Received screen shots of Tax returns however, missing tax returns in the file. Condition remains. | 12/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Rescinded | XXXXX | Credit | Audited LTV Exceeds AUS LTV | Audited CLTV of 75% exceeds AUS CLTV of 75% | Audit reviewed Lender's response and has determined the LTV / HCLTV of 80% is within guidelines maximum of XXX% Condition rescinded.; Audited HCLTV of 80% is less than or equal to AUS HCLTV of 80% | 12/23/2025 | D | B | A | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | ||||
| OBX2026HYB1357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The Final 1003 Declarations F indicates "yes" for co-signer or guarantor on any det or loan that is not disclosed on this application? Lender to provide documentation for co-signed obligation or correct the 1003. | Response to Final 1003 Condition. | 12/11/2025 | Lender provided LOE. Debt is accounted for in DTI. Condition Cleared.; The Final 1003 is Present | 12/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | D | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | C | A | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1357 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Acknowledged | XXXXX | Credit | Audited CLTV Exceeds AUS CLTV | Audited HLTV of 80% exceeds AUS HLTV of 80% Lender granted exception located in loan file, downgraded to a non material B grade. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | D | B | B | B | D | B | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||||
| OBX2026HYB1340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/03/2025 | Resolved | XXXXX | Credit | Missing final HUD-1 from sale of non-subject property | Final CD for sale of REO-XXX N XXX E Shelley, ID XXX paying off Nationstar Mtg XXX and borrower netting zero. | HUD XXX for REO | 12/18/2025 | Condition cleared as we have received the final settlement Statement for other REO. | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/03/2025 | Resolved | XXXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing missing VVOE | VVOE XXXXX | 12/16/2025 | Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/03/2025 | Rescinded | XXXXX | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 8% | Rescinded, type-o for CLTV. ; Audited HCLTV of 80% is less than or equal to Guideline HCLTV of 80% | 12/05/2025 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1340 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/03/2025 | Rescinded | XXXXX | Credit | Income 1 Months Income Verified is Missing | Income 1 Months Income Verified is Missing | Rescinded as income is in file.; Income 1 Months Income Verified is Present Or XXX | 12/05/2025 | D | A | A | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1362 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1349 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 01/26/2026 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 55% is less than Guideline CLTV of 55% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55% is less than Guideline CCLTV of 55% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1349 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline CLTV of 33.33% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 33.33% is less than Guideline CCLTV of 33.33% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 01/26/2026 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | XXXXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% Loan is a manually underwritten loan. DTI is within tolerance of guidelines. Condition rescinded. | 12/18/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1377 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1346 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1346 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 02/25/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 33.33% is less than Guideline LTV of 33.33% Calculated CLTV of 33.33% is less than Guideline LTV of 33.33% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 33.33% is less than Guideline CLTV of 53.76% Calculated LTV of 33.33% is less than Guideline CLTV of 53.76% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile reflecting the property at XXX XXX is owned free and clear. Please provide property profile report the property at XXX XXX. | NO MORTGAGE INTEREST | 12/11/2025 | Condition cleared as we have received evidence of no mortgage on Stoked Ave. ; Borrower 1 Credit Report is not partially present. | 12/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1383 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Third Party Valuation Product XXX. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% Calculated CLTV of 53.76% is less than Guideline CLTV of 53.76% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1339 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1339 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1390 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.76% is less than Guideline LTV of 53.76% | Original LTV is Below the Guideline Maximum - Calculated LTV of 53.76% is less than Guideline LTV of 62.95% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1390 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the property at XXX XXX is owned free and clear. Missing insurance policy for the property at XXX XXX. | NO MORTGAGEE PROPERTY INSURANCE | 12/11/2025 | Audit reviewed Lender's response and has determined the hoi provided reflects no mortgagee. In addition, the fraud report in file reflects a mortgage that is confirmed paid off on the credit report. All documentation supports propertyXXX is owned free and clear. Condition cleared.; Audit reviewed Lenders response, however; Please provide property profile or Title Lien report evidencing no liens on XXX XXX. Condition remains | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary. | CTC | 12/11/2025 | Lender provided CTC WS. Condition cleared.; Approval/Underwriting Summary is fully present; Missing Approval/Underwriting Summary.; Material | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Page XXX shows the appraisal was sent to the borrower, however it doesnt list a date the appraisal was sent to the borrower. | PROOF OF APPRAISAL DELIVERY; PROOF OF APPRAISAL DELIVERY | 12/11/2025 | Lender provided Appraisal Delivery documentation. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided a log history; however, it does not reflect the appraisal was sent to the Borrower. Condition retained. ; Material | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Third Party Valuation Product XXX. | Meets guidelines.; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | 12/16/2025 | C | A | A | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1337 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1341 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1341 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABD is missing. Per Privacy Policy, the lender has affiliates. | Lender confirmed no affiliated relationships.; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). There is no evidence of Appraisal delivery to the borrower at least XXX days prior to consummation. The document tracker provided does not list any dates. | PROOF OF APPRAISAL DELIVERY; PROOF OF APPRAISAL DELIVERY | 12/11/2025 | Cleared as we have received theujyhhhhhhh appraisal delivery. ; Evidence of appraisal delivery provided.; Lender provided an audit log; however, it does not reflect the date the appraisal was sent to the Borrower. Condition retained.; Material | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1366 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Acknowledged | XXXXX | Compliance | CHARM Booklet is Missing | CHARM Booklet is Missing Cure- Provide evidence CHARM Booklet was delivered to the consumer within XXX days of application. | SOL period expired, final grade is a B | 01/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.95% is less than Guideline CLTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | B | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| OBX2026HYB1344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Acknowledged | XXXXX | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Cure - Provide Adjustable Rate Mortgage Loan Program Disclosure signed and dated within XXX days of the initial loan application, date XXX/XXX/XXX. | SOL period expired, final grade is a B | 01/16/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.95% is less than Guideline CLTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | B | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| OBX2026HYB1344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.95% is less than Guideline CLTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| OBX2026HYB1344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXXoration Companies has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.95% is less than Guideline CLTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| OBX2026HYB1344 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit DTI matches XXX Missing AUS with higher DTI. | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline LTV of 62.95% | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.95% is less than Guideline CLTV of 62.95% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | C | A | A | A | D | B | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| OBX2026HYB1375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | XXXXX | Credit | Borrower is a BofA insider | Borrower is a insider | Borrower is not a inside. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1375 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXXoration Companies has affiliates. Please Provide the Affiliated Business disclosure that was provided to the consumer within XXX business days of application XX/XX/XXXX that confirms the lender has affiliates. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX | PROOF OF APPRAISAL DELIVERY; PROOF OF APPRAISAL DELIVERY | 12/16/2025 | Lender provided a log history verifying date appraisal was provided to the Borrower. Condition retained. ; Evidence of appraisal delivery provided.; The condition remains as the screenshot received does not reflect appraisal delivery date. ; Material | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XXX-XXX-XXX) was XXX within XXX Days of Application Date, (XXX-XXX-XXX). Provide evidence the ARM disclosure was delivered to the borrower within a minimum of XXX business days of application XXX/XXX/XXX. The disclosure provided was acknowledged by the borrowers on XXX/XXX/XXX. | ARM DISCLOSURE | 12/11/2025 | Condition cleared as we have received evidence of disclosure sent date. ; ARM Disclosure Provided Within XXX Days of Application Date or XXX.; ARM Disclosure dated, (XXX-XXX-XXX) was XXX within XXX Days of Application Date, (XXX-XXX-XXX). | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XXX/XXX/XXX. The consent provided was dated XXX/XXX/XXX. | PROOF OF ECONSENT | 12/11/2025 | Cleared as we have received evidence of e-consent.; Evidence of eConsent is provided. The eSigned documents consent is missing.; Cleared as we have received the missing e-consent. ; Evidence of eConsent is provided. The eSigned documents consent is missing.; Material | 12/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1367 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1363 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.95% is less than Guideline CLTV of 62.95% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.95% is less than Guideline CCLTV of 62.95% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1370 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | XXXXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: | HMDA DISCREPANCY | 12/17/2025 | Lender agreed with audit value. Condition cleared.; Lender agreed with audit value. Condition cleared.; Audit value XXX vs Lender value (XXX), per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreeing with audit's finding, or providing documentation to support their value.; Lender agreed with audit value. Condition cleared.; Lender agreed with audit value. Condition cleared.; Audit value XXX vs Lender value (XXX), per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreeing with audit's finding, or providing documentation to support their value. | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.64% is less than Guideline LTV of 63.64% | Borrower has stable job time - Borrower has XXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CLTV of 63.64% | C | A | B | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1373 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 63.64% is less than Guideline CLTV of 63.64% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.64% is less than Guideline CCLTV of 63.64% | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1354 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XXX/XXX/XXX. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XXX/XXX/XXX. | PROOF OF APPRAISAL DELIVERY | 12/16/2025 | Lender provided a log history verifying date appraisal was provided to the Borrower. Condition retained. ; Material | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. CU Score XX/XX/XXXX exceed max score of XX/XX/XXXX | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1330 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Acknowledged | XXXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrowers Note income extends to only XXX months continuance and not XXX months per lender guidelines. Lender exception given p XXX | Investor acknowledges exception. ; | 01/22/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | B | B | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Income 1 Income Trend is Decreasing | Income 1 Income Trend is Decreasing Provide XXX stating why income decreasing from XXX income for XXX $-XXX/XXX-$-XXX | Cash Flow Analysis | 12/11/2025 | Income 1 Income Trend is Resolved | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | C | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1368 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | The Note is Incomplete | The Note is Incomplete Missing note. | Note | 12/10/2025 | Lender provided executed Note. Condition cleared.; The Note is Present | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XXX years on job. | D | B | D | A | D | B | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |
| OBX2026HYB1360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Acknowledged | XXXXX | Credit | Income 1 Income Trend is Decreasing | Income 1 Income Trend is Decreasing Lender exception in loan file, will remain a nonmaterial B grade. P XXX | Investor acknowledges exception. ; | 01/16/2026 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | B | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | C | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1360 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure dated within XXX business days of application date XX/XX/XXXX or evidence that the lender has no affiliates. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/09/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | C | B | B | A | C | B | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | |||
| OBX2026HYB1343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the property at XXX XXX is owned free and clear. | FRAUD REPORT | 12/11/2025 | Lender provided fraud report verifying property XXX Canyon Dr is owned free and clear. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1343 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided Missing AUS with Final Loan amount and Final Appraised value. | AUS | 12/11/2025 | New direction given, AUS not required and loan meets guideline requirements. Condition cleared.; Finding remains as the AUS in file does not match the loan amount XXX and does not match the appraisal value XXX used for approval. ; AUS Partially Provided | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX | PROOF OF APPRAISAL DELIVERY; proof of appraisal delivery | 12/11/2025 | Cleared as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided.; Lender provided a log history; however, it does not reflect the appraisal was sent to the Borrower. Condition retained. ; Material | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | CHARM Booklet is Missing | CHARM Booklet is Missing Documentation required to clear exception - Provide proof CHARM Disclosure issued within XXX business days of COC dated XXX/XXX/XXX. (Disclosure provided but no confirmation when issued) | charm disclosure | 12/10/2025 | Lender provided verification of the date the CHARM Booklet was provided to the Borrower. Condition cleared.; CHARM Booklet is Present or XXX | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | D | A | D | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure. | Required Affiliated Business Disclosure Documentation Provided; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | D | A | B | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XXX-XXX-XXX) was XXX within XXX Days of Application Date, (XXX-XXX-XXX). Provide evidence the ARM disclosure was sent within XXX business days of application. Disclosure provided is dated by borrowers XX/XX/XXXX which is more than XXX business says from application XXX/XXX/XXX. | ARM DISCLOSURE | 12/10/2025 | Lender provided verification of the date the ARM disclosure was provided to the Borrower. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or XXX. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO NOT within tolerance. Condition remains. | Meets guidelines.; Third party valuation product provided within tolerance. | 12/16/2025 | D | A | A | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1333 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline CLTV of 22.08% | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 22.08% is less than Guideline CCLTV of 22.08% | D | A | C | A | D | A | A | A | D | A | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | D | D | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 22.08% is less than Guideline LTV of 22.08% Calculated CLTV of 22.08% is less than Guideline LTV of 22.08% | Original LTV is Below the Guideline Maximum - Calculated LTV of 22.08% is less than Guideline LTV of 42.18% Calculated LTV of 22.08% is less than Guideline LTV of 42.18% | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/01/2025 | Resolved | XXXXX | Credit | Hazard Insurance Policy is Missing | Missing Hazard Insurance Policy. | HOI ; Hazard Insurance XX/XX/XXXX to XXX/XXX/XXX; Updated Hazard Policy | 12/16/2025 | Lender provided hazard insurance policy with effective date of XXX/XXX/XXX. Condition cleared.; Lender provided hazard insurance policy with effective date of XXX/XXX/XXX. Condition cleared.; Hazard Insurance Policy is fully present; Hazard Insurance XX/XX/XXXX to XX/XX/XXXX was not received. Condition remains.; Lender provided current hazard insurance with effective dates of XX/XX/XXXX - XXX/XXX/XXX. Please provide hazard insurance in effect at the time of the closing date of XXX/XXX/XXX. Condition retained. | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.18% is less than Guideline LTV of 42.18% Calculated LTV of 42.18% is less than Guideline LTV of 42.18% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.18% is less than Guideline LTV of 42.18% Calculated LTV of 42.18% is less than Guideline LTV of 42.18% | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/18/2025 | Rescinded | XXXXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XXX-XXX-XXX. | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is XXX. Invalid finding. Data entry error. | 12/18/2025 | D | A | A | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1365 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated LTV of 42.18% is less than Guideline LTV of 42.18% Calculated LTV of 42.18% is less than Guideline LTV of 42.18% | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.18% is less than Guideline LTV of 42.18% Calculated LTV of 42.18% is less than Guideline LTV of 42.18% | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Acknowledged | XXXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The Replacement Cost Estimator found in the file indicates the replacement cost for the subject property is XXX the Hazard Insurance Policy coverage is XXX which is less than the subject property replacement cost. Lender to provide updated policy with sufficient coverage. | HOI Policy; HOI | 12/18/2025 | Investor acknowledges, final exception grade will be a B.; Lender provided hazard insurance with effective dates of XXX/XXX/XXX. Please provide hazard insurance with effective date at the time of closing of XX/XX/XXXX reflecting sufficient coverage or provide replacement cost estimate supporting insurance coverage is sufficient. Condition retained.; Lender provided information from insurance company; however, it reflects an effective date of XXX/XXX/XXX. Please provide verification the insurance at the time of closing included replacement cost coverage. Condition retained. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | B | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The 1003 indicates Borrower 2 will occupy the property, the notations on the Fraud Report by the Lender indicates both Borrower 2 and Borrower XXX will not be occupying the subject property. 1003 for Borrower 2 to be corrected. | URLA ; Corrected 1003 | 01/02/2026 | Condition resolved as we have received the signed Final 1003.; The finding remains as we are still missing the final Signed 1003. ; Lender provided initial 1003; however, did not provide Final 1003. Condition retained. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Cured | XXXXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. Preliminary title report dated XX/XX/XXXX indicated a Termination of Notice required. SOL expired. | PCCD, LOX, Label, Check copy ; Docs to clear conditions. | 01/02/2026 | Condition cured post close and will remain a non material B grade. Received lenders cure package for the XXX% tolerance violation. ; WOrking; Lender provided LOE, PCCD, copy of refund check of XXX and proof of delivery. The total cure required is $XXX. The recording fee was disclosed as XXX on initial LE and final recording fee on final CD is $XXX. XXX x XXX% tolerance = XXX total tolerance. The final fee of XXX - XXX total tolerance = XXX total under disclosure. Please provide additional XXX cure. Condition retained.; Material | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | B | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Property | Missing Appraisal photos | The photos included in the appraisal are mislabeled, photos to be updated with correct descriptions. | Corrected Appraisal | 12/18/2025 | Lender provided full appraisal with photos. Condition cleared. | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | Missing Income - Bank Statements | Lender's approval includes references to funds used to qualify the borrowers being transferred from accounts with XXX to account with XXX xXXX. Bank Statements from XXX dated XX/XX/XXXX were not found in the loan file. Lender to provide. | Lender provided bank Statements. Condition cleared.; Docs for Conditions regarding missing bank Statements. | 12/16/2025 | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | D | A | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | ||
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | C | A | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| OBX2026HYB1335 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | B | B | A | D | B | D | A | B | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | D | D | D | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | B | B | A | B | |||
| OBX2026HYB1347 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | C | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1347 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and evidence it was sent to the borrower within XXX business days of application XXX/XXX/XXX. | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | B | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1347 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Credit | AUS Partially Provided | AUS Partially Provided Missing the AUS with a note rate of XXX% as per the note and final CD. | AUS is not incomplete | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | D | A | D | A | D | A | A | A | B | A | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | D | D | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1331 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 42.18% is less than Guideline CLTV of 42.18% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 42.18% is less than Guideline CCLTV of 42.18% | C | B | C | A | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |||
| OBX2026HYB1331 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Cured | XXXXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §1026.19(e)(3)(ii))]] The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of a notary and reconveyance fee | Docs to clear final condition. | 12/17/2025 | Cured post close, will remain a non material B grade. Received lenders cure package. ; Cured post close, will remain a non material B grade. Received lenders cure package. | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of 34.97% is less than Guideline CLTV of 34.97% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CCLTV of 34.97% is less than Guideline CCLTV of 34.97% | C | B | C | B | C | A | A | A | C | B | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | |
| OBX2026HYB1369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Third party desk review received and within value, condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1369 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | XXXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard Insurance insufficient as verified off the Dec page. Need sufficient amount to cover loan amount. Dec page does not indicate Replacement Coverage available | Audit reviewed Lender's response and has determined insurance includes replacement cost coverage. Condition rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/18/2025 | C | A | A | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1382 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.97% is less than Guideline LTV of 34.97% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.97% is less than Guideline CLTV of 38.22% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1380 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.22% is less than Guideline CLTV of 38.22% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original LTV is Below the Guideline Maximum - Calculated CLTV of 38.22% is less than Guideline CLTV of 38.22% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 38.22% is less than Guideline LTV of 38.22% | Original LTV is Below the Guideline Maximum - Calculated LTV of 38.22% is less than Guideline CLTV of 62.5% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1364 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 62.5% | Original LTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline CLTV of 62.5% | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | Meets guidelines.; Third party valuation product provided within tolerance. | 12/16/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1359 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.5% is less than Guideline LTV of 62.5% | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.5% is less than Guideline CLTV of 39.5% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.5% is less than Guideline LTV of 39.5% | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.5% is less than Guideline CLTV of 59.13% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1371 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.13% is less than Guideline CLTV of 59.13% | Original LTV is Below the Guideline Maximum - Calculated CLTV of 59.13% is less than Guideline CLTV of 59.13% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | A | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report | 12/16/2025 | Lender provided fraud report. Condition cleared.; Third Party Fraud Report is provided | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.13% is less than Guideline LTV of 59.13% | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.13% is less than Guideline CLTV of 51.78% | D | A | D | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Lender provided BPO within tolerance. Condition cleared.; Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 51.78% | Original LTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 51.78% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1361 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared ; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 51.78% | Original LTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline CLTV of 51.78% | D | A | C | A | D | A | C | A | A | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1336 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Missing Document - Evidence of Receipt of Appraisal. Pg XXX shows that the appraisal was sent to the borrower but the date is not listed to determine if it was provided timely | PROOF OF APPRAISAL DELIVERY | 12/16/2025 | Lender provided a log history verifying date appraisal was provided to the Borrower. Condition retained. ; Material | 12/18/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1336 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Noted | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/30/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 01/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 51.78% is less than Guideline LTV of 51.78% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 51.78% is less than Guideline CLTV of 43.06% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XXX/XXX/XXX. | Lender confirmed no affiliated relationships.; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline CLTV of 43.06% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline CLTV of 43.06% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX | PROOF OF APPRAISAL DELIVERY; PROOF OF APPRAISAL DELIVERY | 12/11/2025 | Condition cleared as we have received evidence of appraisal delivery. ; Evidence of appraisal delivery provided.; Lender provided a log history; however, it does not reflect the appraisal was sent to the Borrower. Condition retained.; Material | 12/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline CLTV of 43.06% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline CLTV of 43.06% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1374 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. CA to order AVM | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline CLTV of 43.06% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline CLTV of 43.06% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Missing Document - Affiliated Business Disclosure | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared. | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.06% is less than Guideline LTV of 43.06% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of 43.06% is less than Guideline ##NA## | D | A | B | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Resolved | XXXXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Missing Document - Right of Rescission | ROR | 12/10/2025 | Right of Rescission is Provided; Same Lender Refi - no new money - condition cleared; Lender provide a ROR Calculation form; however, did not provide the Right to Cancel form. Condition retained. | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated ##NA## is less than Guideline ##NA## | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated ##NA## is less than Guideline ##NA## | D | A | D | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/04/2025 | Rescinded | XXXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing No verification for XXX or tax returns in file. | LOE | 12/17/2025 | Audit reviewed Lenders response and re-reviewed file. Condition rescinded.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 12/18/2025 | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||
| OBX2026HYB1348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Rescinded | XXXXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(XXX CFR §1026.23(a)(3), transferred from(12 CFR ##_DJ_##(ii)) §226.23(a)(3)), Open-end [[(XXX CFR §1026.15(a)(3), transferred from(12 CFR ##_DJ_##(ii)) §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by(12 CFR ##_DJ_##(ii)) §1026.23 or §XXX, or delivery of all material disclosures, whichever occurs last. No ROR, XXX if provided at closing. | ROR not required - no new money and same lender refi - condition rescinded | 12/16/2025 | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/04/2025 | Rescinded | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. | Meets Guidelines; Third party valuation product provided within tolerance.; Third Party Valuation Product XXX or XXX Within Tolerance. Lender provided BPO, NOT within tolerance. Condition remains. | 12/16/2025 | D | A | A | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1348 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 12/04/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. | Original CLTV is Below the Guideline Maximum - Calculated ##NA## is less than Guideline ##NA## | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Original LTV is Below the Guideline Maximum - Calculated ##NA## is less than Guideline ##NA## | D | A | C | A | C | A | A | A | D | A | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | D | C | A | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material; Required Affiliated Business Disclosure Missing; Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XXX CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XXX/XXX/XXX. | PROOF OF APPRAISAL DELIVERY | 12/16/2025 | Evidence of appraisal delivery provided.; Lender provided a log history verifying date appraisal was provided to the Borrower. Condition retained. ; Lender provided a log history; however, it does not reflect the appraisal was sent to the Borrower. Condition retained. ; Material | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | B | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_DJ_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is XXX to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. There's no evidence of receipt for the revised LE issued XX/XX/XXXX in the loan file XXX business days prior to consummation dated XXX/XXX/XXX. | COC LE | 12/11/2025 | Condition cleared as we have received evidence of the LE receipt date from lender. ; Condition cleared as we have received evidence of the LE receipt date from lender. | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |
| OBX2026HYB1358 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/30/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | C | A | C | A | C | A | A | A | C | A | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | C | C | A | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/30/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1378 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure and proof sent to the borrower within XXX business days of application XX/XX/XXXX | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | A | A | B | A | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | C | C | A | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXXXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product XXX or XXX Within Tolerance. CA to order AVM | Lender provided BPO within tolerance. Condition cleared.; Third party valuation product provided within tolerance. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | C | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1353 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXXXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Document Required : Affiliated Business Disclosure Missing | Lender confirmed no affiliated relationships.; Material; Lender provided attestation of no affiliated business relationships. Condition cleared.; Material | 12/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | C | A | B | A | C | A | C | A | B | A | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | C | C | C | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Rescinded | XXXXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). There is also no RCE in the image file and policy does not reflect guaranteed replacement cost. | Audit reviewed Lender's response and determined the insurance includes replacement cost coverage. Condition rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 12/18/2025 | C | A | A | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1384 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXXXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA received - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 12/11/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX% | C | A | C | A | C | A | A | A | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1288 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 02/20/2024 | Cleared | XXXXX | Credit | HMDA Data Tape Not Provided | HMDA data tape XXX.; HMDA received - no level XXX discrepancies - cleared. | HMDA data tape provided. | 03/05/2024 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | |||
| OBX2026HYB1287 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2023 | Cleared | XXXXX | Credit | HMDA Data Tape Not Provided | HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 06/12/2023 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job. | D | A | D | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | ||||
| OBX2026HYB1287 | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/12/2023 | Cleared | XXXXX | Credit | HMDA Discrepancy(s) Noted | HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) XXX. | Lender provided the ULI: 5493001WHVQBGRSWEU75801083021207. Condition cleared. | 06/14/2023 | Borrower has stable job time - Borrower has XX/XX/XXXX years at job. | D | A | C | A | D | A | A | A | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |