Exhibit 99.02 Schedule 1
| Loan ID | Alt ID | Seller | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXXX | OBX2026HYB1068 | XXXX System Seller | Seller | 2026-01-12 10:00 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $7,693.75 is less than Total Required Reserve Amount of $29,063.76 - Due Diligence Vendor-01/12/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7041909 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1021 | XXXX System Seller | Closed | 2026-01-24 10:06 | 2026-03-27 11:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-03/27/2026 Resolved- - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-03/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282833 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1021 | XXXX System Seller | Closed | 2026-01-24 10:06 | 2026-02-18 09:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Introductory Rate Period Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/18/2026 Open-Introductory Rate Period Discrepancy Lender Tape reports an introductory rate period of 120 months. Audit reports an introductory rate period of 84 months. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282830 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1021 | XXXX System Seller | Closed | 2026-01-24 10:06 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282829 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1021 | XXXX System Seller | Closed | 2026-01-24 10:06 | 2026-01-28 14:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282832 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1021 | XXXX System Seller | Closed | 2026-01-24 10:06 | 2026-01-28 14:13 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282831 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 14:22 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-01/24/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283191 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 15:18 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 44.01% exceeds Guideline DTI of 43% The Lender approved loan at 44.02% DTI - No lender exception located in file. Guidelines provided allow for a max DTI of 43%. Provide 2005 guidelines. Additional conditions may apply. - Due Diligence Vendor-01/24/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283256 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 14:49 | 2026-02-02 11:56 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. - Due Diligence Vendor-01/24/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283215 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 15:23 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Cashout Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283263 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 15:23 | 2026-01-28 14:16 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283264 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 14:36 | 2026-01-27 17:32 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283208 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1022 | XXXX System Seller | Closed | 2026-01-24 15:08 | 2026-01-27 15:58 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $100 below the actual finance charge.
(12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The disclosed finance charge
($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX).
Missing a breakdown showing which fees the 2 credits ($XXX.XX and $XXX)
should be applied to. The finding is
outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence
Vendor-01/24/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $100 below the actual finance charge.
(12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The disclosed finance charge
($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge ($XXX,XXX.XX).
Missing a breakdown showing which fees the 2 credits ($XXX.XX and $XXX)
should be applied to. The finding is
outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence
Vendor-01/24/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7283241 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-20 17:16 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report The file is missing a third-party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings. Please provide Fraud Report with OFAC search. Additional conditions may apply. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7191523 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 07:58 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Mortgage Statement for property #1 to show escrows are included in PITIA - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201366 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 08:01 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Borrower | Missing required documentation for debt paid by others | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. Missing documentation from borrower to show not responsible for property #4, only escrows. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201463 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 07:43 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Evidence of HOA Dues for REO1 Missing Evidence of HOA Dues for REO property #2 on the final application not provided. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201061 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 07:46 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Insurance for REO | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Evidence of Insurance for property REO #3 on final application - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201088 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 07:48 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Evidence of property taxes for property #2, #3, and #4 on the final application not provided. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201150 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:12 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Hazard Insurance Expiration Date of XX/XX/XXXX is prior to or equal to the Note Date of XX/XX/XXXX A hazard insurance declaration for the subject property was provided; however, it is expired - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7204147 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 06:55 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 W2/1099 Missing Missing 2 years' W-2s. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7199827 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 06:55 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Paystubs Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7199826 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 06:55 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verification of Employment within 10 days of closing. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7199825 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:24 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 1 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 1 Missing Missing 2 months bank statements for Asset 1. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7204528 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-26 07:47 | 2026-02-18 09:25 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7292439 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:57 | 2026-02-10 07:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX.XX, Audit reports Property Value of $XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7205532 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:57 | 2026-01-28 14:20 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7205533 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:57 | 2026-01-28 14:20 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR is blank, Audit reports NMLSR of XXXXXXX To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7205531 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:57 | 2026-01-28 14:19 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7205534 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:57 | 2026-01-28 14:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $X,XXX.XX To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7205535 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:28 | 2026-01-26 07:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | TRID: Missing Loan Estimate | Acknowledged-Missing Loan Estimates. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/26/2026 | Acknowledged-Missing
Loan Estimates. This finding is
outside the statute of limitations and will be rated a B - Due Diligence
Vendor-01/26/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7204645 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 08:04 | 2026-01-26 07:46 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Missing Homeownership Counseling Organizations Disclosure.This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/21/2026 | Acknowledged-Homeownership
Counseling Organizations Disclosure Missing or Incomplete Missing
Homeownership Counseling Organizations Disclosure.This finding is outside the
statute of limitations and will be rated a B - Due Diligence
Vendor-01/21/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201497 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 09:47 | 2026-01-21 09:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. ECOA Non-Compliant: Appraisal disclosure not provided. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/21/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Missing or Incomplete. ECOA
Non-Compliant: Appraisal disclosure not provided. This finding is outside the
statute of limitations and will be rated a B - Due Diligence
Vendor-01/21/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7205260 | Originator Pre-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Closed | 2026-01-21 08:04 | 2026-01-21 08:04 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete Missing CHARM Booklet. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/21/2026 | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete Missing CHARM Booklet. This finding is
outside the statute of limitations and will be rated a B - Due Diligence
Vendor-01/21/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7201496 | Originator Pre-Close | No | ||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Seller | 2026-01-21 06:55 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due to missing all income and asset documentation. - Due Diligence Vendor-01/21/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7199830 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Seller | 2026-01-21 09:24 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Open- -
Due Diligence Vendor-02/27/2026 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements due to missing all rental income documentation - Due Diligence Vendor-01/21/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7204529 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1023 | XXXX System Seller | Seller | 2026-01-21 06:55 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Open-ATR Risk - Employment validation/verification standards do not meet requirements due to missing verification of employment. - Due Diligence Vendor-01/21/2026 | NY | Primary Residence | Refinance | Cash Out - Other | 7199829 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1024 | XXXX System Seller | Closed | 2026-01-21 14:47 | 2026-01-27 07:44 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-The FNMA 1003 used to source the ULI is missing. There was no evidence of ULI in file. This is required as of XX/XX/XXXX. To clear this exception please agree with audit or provide evidence of ULI. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
MA | Primary Residence | Purchase | NA | 7224252 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1024 | XXXX System Seller | Closed | 2026-01-21 06:29 | 2026-01-27 07:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
MA | Primary Residence | Purchase | NA | 7198353 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1024 | XXXX System Seller | Closed | 2026-01-21 06:29 | 2026-01-27 07:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
MA | Primary Residence | Purchase | NA | 7198352 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1024 | XXXX System Seller | Closed | 2026-01-21 06:29 | 2026-01-27 07:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
MA | Primary Residence | Purchase | NA | 7198351 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1024 | XXXX System Seller | Closed | 2026-01-21 06:29 | 2026-01-27 07:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
MA | Primary Residence | Purchase | NA | 7198350 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-03-04 13:22 | 2026-03-04 13:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/04/2026 | Acknowledged-S&P
value equals B, secondary product within tolerance. This finding will be
rated a B for S&P. All other agencies will be rated as A. - Due Diligence
Vendor-03/04/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7926888 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-20 14:06 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7186674 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-20 14:06 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Balance Sheet Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Balance Sheet Missing - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7186673 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-26 15:26 | 2026-02-18 09:28 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7303233 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-21 07:54 | 2026-02-10 07:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7201268 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-21 07:54 | 2026-01-28 14:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7201271 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-21 07:54 | 2026-01-28 14:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7201270 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-21 07:54 | 2026-01-28 14:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7201269 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-21 07:54 | 2026-01-28 14:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of NA, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7201267 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Closed | 2026-01-21 07:43 | 2026-01-21 07:43 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/21/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal present; no evidence appraisal was provided to
applicant. This finding is outside the statute of limitations and will be
rated a B - Due Diligence Vendor-01/21/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7201053 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1025 | XXXX System Seller | Seller | 2026-01-24 08:38 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Open- -
Due Diligence Vendor-02/27/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing Balance Sheet and P&L - Due Diligence Vendor-01/24/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282699 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:23 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited FICO of 709 is less than Guideline FICO of 720 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/22/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
strong
residual income 17 years established self-employment Low LTV, Low DTI reserves in excess of 9 months |
MD | Primary Residence | Refinance | Cash Out - Other | 7249561 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:30 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of not applicable, Audit reports Loan Purpose of Cash Out Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249883 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:30 | 2026-01-28 14:24 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249888 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:30 | 2026-01-28 14:24 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249886 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:30 | 2026-01-28 14:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249885 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:30 | 2026-01-28 14:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249884 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:30 | 2026-01-28 14:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX,XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249887 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:02 | 2026-01-26 07:50 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Acknowledged-The
Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after
(XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided.
Under Regulation Z, a creditor shall not provide a revised version of the
Loan Estimate on or after the date on which a creditor provides the Closing
Disclosure. (12 CFR 1026.19(e)(4)(ii)) The file contains a Closing Disclosure
and a Loan Estimate, both dated (xx/xx/xxxx). A Loan Estimate cannot be
issued the same day as a Closing Disclosure. No Cure. This finding is outside the statute of
limitations and will be rated a B - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 |
Acknowledged-The
Last Loan Estimate was provided on (XX/XX/XXXX) which is on or after
(XX/XX/XXXX), the date on which the Initial Closing Disclosure was provided.
Under Regulation Z, a creditor shall not provide a revised version of the
Loan Estimate on or after the date on which a creditor provides the Closing
Disclosure. (12 CFR 1026.19(e)(4)(ii)) The file contains a Closing Disclosure
and a Loan Estimate, both dated (xx/xx/xxxx). A Loan Estimate cannot be
issued the same day as a Closing Disclosure. No Cure. This finding is outside the statute of
limitations and will be rated a B - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7248994 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 11:05 | 2026-01-26 07:49 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/26/2026 | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date. This finding is outside the statute of
limitations and will be rated a B - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7246968 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 12:23 | 2026-01-23 10:35 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. This finding is non-material and will be rated a B for all agenices - Due Diligence Vendor-01/22/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. This finding is
non-material and will be rated a B for all agenices - Due Diligence
Vendor-01/22/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7249563 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1026 | XXXX System Seller | Closed | 2026-01-22 11:05 | 2026-01-23 10:30 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Acknowledged-CHARM Booklet Not Provided Within 3 Days of Application Date This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 | Acknowledged-CHARM
Booklet Not Provided Within 3 Days of Application Date This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/22/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7246969 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-29 14:09 | 2026-02-02 09:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Notary
Acknowledgement for ID provided - condition cleared - Due Diligence
Vendor-02/02/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/02/2026 Ready for Review-The patriot form was not located in the file but that an executed aka affidavit was found. Please clear. - Due Diligence Vendor-01/30/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-12/29/2025 |
Resolved-Notary
Acknowledgement for ID provided - condition cleared - Due Diligence
Vendor-02/02/2026 Resolved-Borrower Identification - Borrower 1 provided. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | Seasoned Refinance | 6839655 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2026-01-23 07:19 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 7265701 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:55 | 2026-01-23 07:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Open-Lender Credits Discrepancy - Due Diligence Vendor-01/23/2026 Resolved-Lender Credits Discrepancy rectified - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit figures - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Lender Credits Discrepancy No tape data - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-Lender Credits Discrepancy rectified - Due Diligence Vendor-01/23/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849828 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:55 | 2026-01-23 07:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-01/23/2026 Resolved-Origination Charges Discrepancy rectified - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit figures - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Origination Charges Discrepancy No tape data - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-Origination Charges Discrepancy rectified - Due Diligence Vendor-01/23/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849827 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:55 | 2026-01-23 07:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-01/23/2026 Resolved-Total Loan Costs Discrepancy rectified - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit figures - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Total Loan Costs Discrepancy No tape data - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-Total Loan Costs Discrepancy rectified - Due Diligence Vendor-01/23/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849826 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:55 | 2026-01-23 07:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-01/23/2026 Resolved-Mortgage Loan Originator NMLSR Identifier Discrepancy rectified - Due Diligence Vendor-01/23/2026 Ready for Review-The NMLSR is XXXXX. - Due Diligence Vendor-01/22/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy No tape data - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-Mortgage Loan Originator NMLSR Identifier Discrepancy rectified - Due Diligence Vendor-01/23/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849825 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2026-01-08 12:37 | 2026-01-23 07:21 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-ULI source doc provided. - Due Diligence Vendor-01/23/2026 Ready for Review-ULI XXXXXXXXXXXXXXXXXXXXXXXXXXX is the correct ULI. - Due Diligence Vendor-01/22/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/08/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-ULI source doc provided. - Due Diligence Vendor-01/23/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6990311 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:29 | 2026-01-20 13:39 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-
- Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 Open-A relationship between the individual (NMLS ID: XXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849500 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:29 | 2026-01-16 08:26 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (Verification Fee, General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849494 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1027 | XXXX System Seller | Closed | 2025-12-30 07:29 | 2026-01-16 08:25 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Verification Fee, General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
NJ | Primary Residence | Refinance | Seasoned Refinance | 6849497 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:48 | 2026-02-10 07:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7246563 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:48 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7246561 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:48 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $795. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7246565 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:48 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7246562 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:48 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7246566 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:48 | 2026-01-28 14:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7246564 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-22 10:06 | 2026-01-27 14:19 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/22/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7242555 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-23 15:08 | 2026-01-23 15:33 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Rescission: Disbursement | Acknowledged-The
loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the
calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under
Regulation Z, funds may not be disbursed to the borrower until after the
expiration of the rescission period. The Last Closing Disclosure (XX/XX/XXXX)
was sent after Consummation, so the system assumes the CD with the
"material disclosures" was provided before or on the (XX/XX/XXXX)
Consummation Date. A "consumer" may exercise the right to rescind
until midnight of the 3rd business day following consummation, receipt of the
Notice of Right to Cancel, or delivery of all material disclosures, whichever
occurs last. "Material disclosures" means the disclosure of the
APR, the finance charge, the amount financed, the total of payments, the
payment schedule, and the disclosures and limitations in sections 1026.32(c)
and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23) The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 |
Acknowledged-The
loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the
calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under
Regulation Z, funds may not be disbursed to the borrower until after the
expiration of the rescission period. The Last Closing Disclosure (XX/XX/XXXX)
was sent after Consummation, so the system assumes the CD with the
"material disclosures" was provided before or on the (XX/XX/XXXX)
Consummation Date. A "consumer" may exercise the right to rescind
until midnight of the 3rd business day following consummation, receipt of the
Notice of Right to Cancel, or delivery of all material disclosures, whichever
occurs last. "Material disclosures" means the disclosure of the
APR, the finance charge, the amount financed, the total of payments, the
payment schedule, and the disclosures and limitations in sections 1026.32(c)
and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23) The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7278560 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-23 15:08 | 2026-01-23 15:32 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Tolerance: Disclosure | Acknowledged-Prior
CD2 sent on (XX/XX/XXXX) was received at least 3 business days before
closing. The Last CD sent on (XX/XX/XXXX) and Prior CD1 sent on (XX/XX/XXXX)
were not received at least 3 business days before closing. The Last CD
(3.757%) APR is inaccurate when compared to the Prior CD2 (3.566%) APR. If
the APR is inaccurate, a consumer must receive corrected a CD no later than
(XX/XX/XXXX), which is 3 business days before the (XX/XX/XXXX) Consummation
Date. If a corrected CD is not provided in person, a consumer is deemed to
have received it 3 business days after the corrected CD is mailed or
delivered, unless there is evidence of earlier receipt. The APR on the CD
received at closing must be accurate when compared to the APR on the CD
received at least 3 business days before closing and the actual APR. (12 CFR
1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 |
Acknowledged-Prior
CD2 sent on (XX/XX/XXXX) was received at least 3 business days before
closing. The Last CD sent on (XX/XX/XXXX) and Prior CD1 sent on (XX/XX/XXXX)
were not received at least 3 business days before closing. The Last CD
(3.757%) APR is inaccurate when compared to the Prior CD2 (3.566%) APR. If
the APR is inaccurate, a consumer must receive corrected a CD no later than
(XX/XX/XXXX), which is 3 business days before the (XX/XX/XXXX) Consummation
Date. If a corrected CD is not provided in person, a consumer is deemed to
have received it 3 business days after the corrected CD is mailed or
delivered, unless there is evidence of earlier receipt. The APR on the CD
received at closing must be accurate when compared to the APR on the CD
received at least 3 business days before closing and the actual APR. (12 CFR
1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/23/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7278559 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1029 | XXXX System Seller | Closed | 2026-01-23 15:08 | 2026-01-23 15:31 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Rescission: Variance | Acknowledged-The
disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier
than the system calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Reg Z, funds may not be disbursed to the borrower until
the expiration of the rescission period. The Last Closing Disclosure
(XX/XX/XXXX) was sent after Consummation, so the system assumes the CD with
the "material disclosures" was provided before or on the
(XX/XX/XXXX) Consummation Date. A "consumer" may exercise the right
to rescind until midnight of the 3rd business day following consummation,
receipt of the Notice of Right to Cancel, or delivery of all material
disclosures, whichever occurs last. "Material disclosures" means
the disclosure of the APR, the finance charge, the amount financed, the total
of payments, the payment schedule, and the disclosures and limitations in
sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23)
The finding is outside the statute of limitations and will be rated a B for
all agencies. - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 |
Acknowledged-The
disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier
than the system calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Reg Z, funds may not be disbursed to the borrower until
the expiration of the rescission period. The Last Closing Disclosure
(XX/XX/XXXX) was sent after Consummation, so the system assumes the CD with
the "material disclosures" was provided before or on the
(XX/XX/XXXX) Consummation Date. A "consumer" may exercise the right
to rescind until midnight of the 3rd business day following consummation,
receipt of the Notice of Right to Cancel, or delivery of all material
disclosures, whichever occurs last. "Material disclosures" means
the disclosure of the APR, the finance charge, the amount financed, the total
of payments, the payment schedule, and the disclosures and limitations in
sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23)
The finding is outside the statute of limitations and will be rated a B for
all agencies. - Due Diligence Vendor-01/23/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7278558 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1030 | XXXX System Seller | Closed | 2026-01-21 12:11 | 2026-01-27 07:46 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $,0 Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7218829 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1030 | XXXX System Seller | Closed | 2026-01-21 12:11 | 2026-01-27 07:46 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7218828 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1030 | XXXX System Seller | Closed | 2026-01-21 12:11 | 2026-01-27 07:45 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7218827 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1030 | XXXX System Seller | Closed | 2026-01-21 12:11 | 2026-01-27 07:45 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of Missing, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7218826 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-21 15:29 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing VOE in file is past note date dated 2/2/18 - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7225704 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-21 15:29 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE in file is past note date dated 2/2/18 - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7225703 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-22 09:07 | 2026-02-10 07:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240995 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-22 09:07 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of NA, Audit reports Loan Purpose of Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240993 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-22 09:07 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240997 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-22 09:07 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of NA, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240994 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-22 09:07 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240998 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1031 | XXXX System Seller | Closed | 2026-01-22 09:07 | 2026-01-28 14:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7240996 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1032 | XXXX System Seller | Closed | 2026-01-16 09:17 | 2026-01-23 07:24 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit finding. ULI XXXXXXXXXXXXXXXXXXXXXXX is correct. - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports ULI of Blank, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 Open-Universal Loan Identifier (ULI) Discrepancy - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7137142 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1032 | XXXX System Seller | Closed | 2025-12-30 08:47 | 2026-01-23 07:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-See attached loan app reflecting the NMLSR. - Due Diligence Vendor-01/22/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy The tape did not provide a Mortgage Loan Originator NMLSR Identifier. - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
XXXXXXX_1.pdf | IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6851008 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1032 | XXXX System Seller | Closed | 2026-01-08 12:36 | 2026-01-16 09:18 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-ULI
provided - condition cleared - Due Diligence Vendor-01/16/2026 Resolved-ULI source doc provided. - Due Diligence Vendor-01/16/2026 Ready for Review-XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX is the correct ULI - Due Diligence Vendor-01/15/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/08/2026 |
Resolved-ULI
provided - condition cleared - Due Diligence Vendor-01/16/2026 Resolved-ULI source doc provided. - Due Diligence Vendor-01/16/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6990276 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1032 | XXXX System Seller | Closed | 2025-12-29 16:26 | 2026-01-05 16:41 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-12/29/2025 | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date This finding is
outside the statute of limitations and will be rated a B. - Due Diligence
Vendor-12/29/2025 |
IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6841936 | Originator Post-Close | No | ||||||
| XXXXX | OBX2026HYB1033 | XXXX System Seller | Closed | 2026-01-21 18:20 | 2026-01-27 07:49 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NY | Primary Residence | Purchase | NA | 7229311 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1033 | XXXX System Seller | Closed | 2026-01-21 18:20 | 2026-01-27 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NY | Primary Residence | Purchase | NA | 7229310 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1033 | XXXX System Seller | Closed | 2026-01-21 18:20 | 2026-01-27 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NY | Primary Residence | Purchase | NA | 7229309 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1033 | XXXX System Seller | Closed | 2026-01-21 18:20 | 2026-01-27 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NY | Primary Residence | Purchase | NA | 7229308 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1033 | XXXX System Seller | Closed | 2026-01-21 18:20 | 2026-01-27 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Missing, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NY | Primary Residence | Purchase | NA | 7229307 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1033 | XXXX System Seller | Closed | 2026-01-21 18:20 | 2026-01-27 07:47 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NY | Primary Residence | Purchase | NA | 7229312 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 10:10 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Credit Report is Missing. A credit report for the co-borrower was not provided. - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7242669 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 10:10 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. A credit report for the borrower was not provided. - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7242668 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 11:24 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7247381 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 11:24 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7247384 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 11:24 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7247385 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 11:24 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0, Audit reports NMLSR of XXXXX To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7247382 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Closed | 2026-01-22 11:24 | 2026-01-28 14:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7247383 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Seller | 2026-01-22 10:10 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Open- -
Due Diligence Vendor-02/27/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements due to missing credit report. - Due Diligence Vendor-01/22/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7242670 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1034 | XXXX System Seller | Seller | 2026-01-22 11:51 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements due missing credit report - Due Diligence Vendor-01/22/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7248453 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-13 14:23 | 2026-01-23 07:29 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-Lender
provided ULI - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Confirming the correct ULI is XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX. No source doc to provide. - Due Diligence Vendor-01/22/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
provided ULI - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7073255 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-09 18:13 | 2026-01-23 07:27 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/10/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7019340 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-09 18:13 | 2026-01-23 07:27 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/10/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7019339 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-09 18:13 | 2026-01-23 07:27 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/10/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7019338 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-09 18:13 | 2026-01-23 07:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/10/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7019337 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-09 18:13 | 2026-01-23 07:24 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of not provided, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7019336 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1035 | XXXX System Seller | Closed | 2026-01-09 17:40 | 2026-01-20 13:40 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-
- Due Diligence Vendor-01/20/2026 Open-The loan originator does not have a license in IL as of XX/XX/XXXX - Due Diligence Vendor-01/12/2026 Open-Data input as per the Final 1003 - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/09/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7018971 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1036 | XXXX System Seller | Closed | 2026-01-24 11:50 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable. Audit Reports Loan Purpose of Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MO | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7283005 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1036 | XXXX System Seller | Closed | 2026-01-24 11:50 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MO | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7283008 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1036 | XXXX System Seller | Closed | 2026-01-24 11:50 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $-2171. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MO | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7283009 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1036 | XXXX System Seller | Closed | 2026-01-24 11:50 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MO | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7283007 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1036 | XXXX System Seller | Closed | 2026-01-25 18:50 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MO | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7287487 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1036 | XXXX System Seller | Closed | 2026-01-24 10:40 | 2026-01-25 18:44 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The ARM Loan
Program Disclosure is dated XX/XX/XXXX and the application date is
XX/XX/XXXX. This finding is non-material and will be rated a B for all
agencies. - Due Diligence Vendor-01/24/2026 |
Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The ARM Loan
Program Disclosure is dated XX/XX/XXXX and the application date is
XX/XX/XXXX. This finding is non-material and will be rated a B for all
agencies. - Due Diligence Vendor-01/24/2026 |
MO | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7282886 | Originator Pre-Close | No | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 18:06 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Business Tax Returns Missing Missing complete XXXX business tax returns - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171541 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 19:47 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171825 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 19:47 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0000, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171823 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 19:47 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171826 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 19:47 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI missing, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171827 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 19:47 | 2026-01-28 14:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171824 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1037 | XXXX System Seller | Closed | 2026-01-19 19:34 | 2026-01-23 12:59 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between Justin Woo (NMLS ID: XXXXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-A
relationship between XXXXXX XXX (NMLS ID: XXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/20/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171809 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 15:48 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170782 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 15:48 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170781 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-26 15:28 | 2026-02-18 09:29 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7303269 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:20 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171348 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:20 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171349 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:20 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171346 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:20 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171350 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:20 | 2026-01-28 14:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171347 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:07 | 2026-01-26 15:28 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXX (NMLS ID: XXXXXXX) and the company (Company NMLS
ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/19/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXXXX XXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/19/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171279 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:07 | 2026-01-24 07:54 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/24/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171278 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1038 | XXXX System Seller | Closed | 2026-01-19 17:07 | 2026-01-24 07:53 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/24/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171277 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-23 08:48 | 2026-02-18 09:50 | Resolved | 1 - Information | Compliance | Data | Invalid Universal Loan Identifier (ULI) | Resolved-BAML
to order new ULI - Due Diligence Vendor-02/18/2026 Open-Invalid Universal Loan Identifier (ULI) The ULI number on the Final 1003, XXXXXXXXXXXXXXXXXXXXXXXXXXX is not a Valid ULI number. Please provide registered ULI number for the loan. - Due Diligence Vendor-01/23/2026 |
Resolved-XXXX
to order new ULI - Due Diligence Vendor-02/18/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7268689 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-23 08:59 | 2026-02-18 09:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 Ready for Review-IRS document attached - Due Diligence Vendor-02/17/2026 Open-Guidelines require IRS Transcripts. If the borrower is W2 wage earner, only W2 transcripts are required to validate income. No transcripts in file. - Due Diligence Vendor-01/23/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7269165 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-20 10:35 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181498 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-20 10:35 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181496 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-20 10:35 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XX,XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181499 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-20 10:35 | 2026-01-28 14:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181497 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1039 | XXXX System Seller | Closed | 2026-01-20 10:17 | 2026-01-23 08:56 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXX XXXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-A
relationship between XXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/23/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7180640 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-20 16:07 | 2026-02-27 16:14 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/27/2026 Open-Documentation provided - condition cleared - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Credit Report for B1 and B2. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7189493 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-20 15:47 | 2026-02-02 11:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Open-Borrower 2 Credit Report is Missing. additional conditions may apply. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7188776 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 15:56 | 2026-02-02 11:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached. - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. additional conditions may apply. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170839 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-20 15:49 | 2026-01-28 11:39 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal
or other primary valuation product was provided - Due Diligence
Vendor-01/28/2026 Open-Appraisal not provided. Guidelines require an interior and exterior Appraisal Report with interior photos. The loan file contains only a 2055 Exterior Only Inspection. - Due Diligence Vendor-01/20/2026 |
Resolved-Appraisal
or other primary valuation product was provided - Due Diligence
Vendor-01/28/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7188810 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 19:52 | 2026-01-27 07:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0 , Audit reports Discount Points of $3831.00. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171840 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 19:52 | 2026-01-27 07:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0 , Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171839 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 19:52 | 2026-01-27 07:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0 , Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171838 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 19:52 | 2026-01-27 07:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of Missing, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171837 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-20 16:32 | 2026-01-27 07:49 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Tape does not report a ULI. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7190004 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 19:14 | 2026-01-21 10:40 | Acknowledged | 2 - Non-Material | Compliance | Closing | Loan Originator NMLS Status is Unknown | Acknowledged-Loan Originator NMLS Status is Unknown Loan Originator only shows employed with Lender through XX/XXXX. - Due Diligence Vendor-01/20/2026 | Acknowledged-Loan
Originator NMLS Status is Unknown Loan Originator only shows employed with
Lender through XX/XXXX. - Due
Diligence Vendor-01/20/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171760 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1040 | XXXX System Seller | Closed | 2026-01-19 19:07 | 2026-01-21 10:39 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between the individual (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. Loan
originator shows only employed with Lender through XX/XXXX. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-A
relationship between the individual (NMLS ID: XXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. Loan
originator shows only employed with Lender through XX/XXXX. - Due Diligence Vendor-01/20/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171755 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-24 06:24 | 2026-03-27 11:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-03/27/2026 Resolved- - Due Diligence Vendor-02/27/2026 Open-Documentation provided - cleared - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements VOE missing for B1 - Due Diligence Vendor-01/24/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-03/27/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282534 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-19 12:37 | 2026-02-12 13:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/12/2026
Ready for Review-Please see VOE enclosed - Due Diligence Vendor-02/10/2026 Counter-Per Lender - VOE not included within in file. But due to LOW DTI of 20% worse case removing brw income 1 increases DTI to 40% still within tolerance mitigating risk of no VOE for brw #1. Please review explanation for clearance. BAML To Review - Due Diligence Vendor-02/02/2026 Ready for Review-brw #1 VOE not included within in file. But due to LOW DTI of 20% worse case removing brw income 1 increases DTI to 40% still within tolerance mitigating risk of no VOE for brw #1. Please review explanation for clearance - Due Diligence Vendor-01/30/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE for B1 within 10-business days of note. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence
Vendor-02/12/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7168105 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-19 12:54 | 2026-02-02 09:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 2 Credit Report is Missing. Borrower 2 Credit Report is Missing - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7168288 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-19 12:54 | 2026-02-02 09:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. Provide legible copy of XX/XX/XXXX XXXXXXXX Credco credit report with all pages. - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7168287 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-20 02:58 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7173959 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-20 02:58 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7173957 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-20 02:58 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7173960 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-20 02:58 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of N/A (blank), Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7173961 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1041 | XXXX System Seller | Closed | 2026-01-20 02:58 | 2026-01-28 14:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7173958 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 11:20 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of missing, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7315058 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 11:20 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7315061 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 11:20 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7315062 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 11:20 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7315059 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 11:20 | 2026-01-28 14:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7315060 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-26 17:31 | 2026-01-27 16:02 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-Privacy
Notice Required - Missing or Incomplete. This finding is non-material and
will be rated a B for all agencies. -
Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Purchase | NA | 7304743 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 10:55 | 2026-01-27 16:01 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date 07/29/2015 is not within three business days of Application Date 07/21/2015. - Due Diligence Vendor-01/27/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal
Disclosure Date XX/XX/XXXX is not within three business days of Application
Date XX/XX/XXXX. - Due Diligence Vendor-01/27/2026 |
This finding is non-material and will be rated a B for all agencies. | CA | Primary Residence | Purchase | NA | 7314490 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-26 17:31 | 2026-01-27 16:01 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7304744 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-26 17:31 | 2026-01-27 16:00 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/26/2026 | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete This finding is outside the statute of
limitations and will be rated a B. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Purchase | NA | 7304741 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1042 | XXXX System Seller | Closed | 2026-01-27 12:15 | 2026-01-27 16:00 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Acknowledged-CHARM
Booklet Not Provided Within 3 Days of Application Date This finding is
non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
Acknowledged-CHARM
Booklet Not Provided Within 3 Days of Application Date This finding is
non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7316212 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 03:31 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Provide fraud report, within 30-days of note, confirming all parties were checked. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307126 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 03:36 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The VVOE in-file is 11-business days from note. Provide a legible copy of the VVOE within 10-business days of note. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307143 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 03:31 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. Provide either the completed/notarized US Patriot Act form, or a legible copy of the borrower's driver's license at the time of consummation. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307128 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 03:36 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 W2/1099 Missing Provide legible copy of the XXXX and XXXX W2 for review. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307139 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 04:59 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited FICO of 664 is less than Guideline FICO of 700 Per guidelines, the minimum FICO is 700. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307663 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 04:59 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $333701 Per guidelines, the minimum loan amount is $1 more than the conforming loan amount at the time of consummation. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307664 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 04:34 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset Record 1 Does Not Meet G/L Requirements Provide a legible copy of the 401K statement. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307522 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 03:31 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Provide fraud report, within 30-days of note, confirming all parties were checked. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307125 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-02-11 14:08 | 2026-02-18 13:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Modification Documents | Resolved-Confirmed
use of most recent acknowledged Modification - condition cleared - Due
Diligence Vendor-02/18/2026 Open-Missing Modification Documents. There are 2 acknowledged modifications in file. Modification dated XX/XX/XXXX (XXX XX/XX/XXXX) and an additional Modification dated XX/XX/XXXX (same) (XXX XX/XX/XXXX). Please confirm which Modification is valid and in effect. - Due Diligence Vendor-02/11/2026 |
Resolved-Confirmed
use of most recent acknowledged Modification - condition cleared - Due
Diligence Vendor-02/18/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7566658 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 04:00 | 2026-02-02 11:57 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-ARM Disclosure Not Provided Within 3 Days of Application Date Provide a legible copy of confirmation the ARM disclosure was provided to the borrower within 3-business days of the initial application. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307274 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 05:04 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of cash-out refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307703 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 05:04 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXXX (NMLS consumer access website). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307705 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 05:04 | 2026-01-28 14:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307706 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1008 | XXXX System Seller | Closed | 2026-01-27 04:00 | 2026-01-27 16:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7307272 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1044 | XXXX System Seller | Closed | 2025-12-29 10:00 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Condition under XXXX Review - noted exception at origination in file - Due Diligence Vendor-01/16/2026 Ready for Review-Exception approved within file for exceeding DTI along with comp factors. Please review for clearance. Recalculated DTI is at 49.13% which is now below 50. Please review for clearance. - Due Diligence Vendor-01/14/2026 Open-Audited DTI of 49.13% exceeds Guideline DTI of 43% Max DTI per guidelines is 43%, Lender exception in file for DTI of 52.403% - Review DTI calculated at 49.13% (review calculated lower taxes) - Due Diligence Vendor-12/29/2025 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Purchase | NA | 6832720 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1044 | XXXX System Seller | Closed | 2025-12-29 08:13 | 2026-01-27 14:25 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/29/2025 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Purchase | NA | 6829772 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1044 | XXXX System Seller | Closed | 2025-12-29 12:38 | 2026-01-23 07:46 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports Total Loan Cost of $X,XXX.XX, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-12/29/2025 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
FL | Primary Residence | Purchase | NA | 6837781 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1044 | XXXX System Seller | Closed | 2025-12-26 14:40 | 2026-01-16 09:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-VOE
reflects as of XX/XX/XXXX - within tolerance - condition cleared - Due
Diligence Vendor-01/16/2026 Ready for Review-Settlement date XX/XX/XXXX the Worknumber VOE as of XX/XX/XXXX enclosed within 10 days of consummation of the CD - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-12/26/2025 |
Resolved-VOE
reflects as of XX/XX/XXXX - within tolerance - condition cleared - Due
Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf | FL | Primary Residence | Purchase | NA | 6819329 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1044 | XXXX System Seller | Closed | 2025-12-26 14:40 | 2026-01-16 09:28 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower
1 CPA Letter Provided - Due Diligence Vendor-01/16/2026 Ready for Review-Please see copy of business license reflecting business XXXXXX XXX has active - Due Diligence Vendor-01/14/2026 Open-Borrower 1 CPA Letter Missing Missing CPA letter for XXXXXX XXX - Due Diligence Vendor-12/26/2025 |
Resolved-Borrower
1 CPA Letter Provided - Due Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf | FL | Primary Residence | Purchase | NA | 6819322 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1044 | XXXX System Seller | Closed | 2025-12-29 08:19 | 2026-01-16 09:26 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Documentation
provided to indicate guaranteed replacement cost - State of FL - condition
cleared. - Due Diligence Vendor-01/16/2026 Ready for Review-Hazard insurance is at replacement cost. This includes the reasonable and necessary cost to rebuild. Insurance is sufficient. Florida Statute 626.9551 prevents lenders from forcing agents from providing RCE replacement cost estimator even though agents use this tool to set coverage. Policy provided is sufficient. - Due Diligence Vendor-01/14/2026 Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX Hazard Insurance Coverage Amount of $XXXXXX is less than Total Estimate of Cost-New $XXX,XXX - Due Diligence Vendor-12/29/2025 |
Resolved-Documentation
provided to indicate guaranteed replacement cost - State of FL - condition
cleared. - Due Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf | FL | Primary Residence | Purchase | NA | 6829930 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1045 | XXXX System Seller | Closed | 2025-12-31 12:47 | 2026-01-16 09:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Resolved-Borrower
Identification - Borrower 2 provided. - Due Diligence Vendor-01/16/2026 Ready for Review-Attached fully executed non coo patriot co brw patriot form which is sufficient in lieu of a copy of ID since notary has confirmed identity via patriot form. Brw #2 AKA statement included was notarized the patriot form is missing but name and identity was confirmed. - Due Diligence Vendor-01/14/2026 Open-Missing Borrower Identification - Borrower 2. The fully executed Patriot Act form is missing; there isn't a copy of the non-occupant co-borrower's driver's license either. - Due Diligence Vendor-12/31/2025 |
Resolved-Borrower
Identification - Borrower 2 provided. - Due Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
WA | Primary Residence | Purchase | NA | 6878660 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1046 | XXXX System Seller | Closed | 2025-12-26 15:46 | 2026-01-16 08:32 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
GA | Primary Residence | Purchase | NA | 6820144 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1046 | XXXX System Seller | Closed | 2025-12-26 15:46 | 2026-01-16 08:31 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
GA | Primary Residence | Purchase | NA | 6820143 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1046 | XXXX System Seller | Closed | 2025-12-26 15:46 | 2026-01-16 08:31 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
GA | Primary Residence | Purchase | NA | 6820142 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1046 | XXXX System Seller | Closed | 2025-12-26 15:46 | 2026-01-16 08:30 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
GA | Primary Residence | Purchase | NA | 6820141 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1046 | XXXX System Seller | Closed | 2025-12-26 12:51 | 2025-12-26 12:51 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-12/26/2025 |
GA | Primary Residence | Purchase | NA | 6817513 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1048 | XXXX System Seller | Closed | 2026-01-20 09:03 | 2026-01-23 07:49 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
TX | Primary Residence | Purchase | NA | 7178634 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1011 | XXXX System Seller | Closed | 2026-01-02 15:27 | 2026-01-05 15:28 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Acknowledged-The
disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX
when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference
is ($XXX.XX). Regulation Z considers the disclosed Total of Payments
inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Please
provide the index used for calculation. Compliance will be re-reviewed upon
receipt. This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 |
Acknowledged-The
disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX
when compared to the actual Total of Payments ($X,XXX,XXX.XX. The difference
is ($XXX.XX). Regulation Z considers the disclosed Total of Payments
inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Please
provide the index used for calculation. Compliance will be re-reviewed upon
receipt. This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-01/02/2026 |
NC | Primary Residence | Purchase | NA | 6902207 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2025-12-31 14:34 | 2026-03-27 12:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Initial Loan Application | Resolved-
- Due Diligence Vendor-03/27/2026 Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/12/2026 Ready for Review-please see initial 1003 - Due Diligence Vendor-02/10/2026 Acknowledged-The Initial 1003 is Missing - Due Diligence Vendor-12/31/2025 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/12/2026 Acknowledged-The Initial 1003 is Missing - Due Diligence Vendor-12/31/2025 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 6880910 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2025-12-31 14:34 | 2026-03-27 12:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-The
Final 1003 is Present - Due Diligence Vendor-03/04/2026 Resolved-The Final 1003 is Missing - Due Diligence Vendor-01/13/2026 Open-The Final 1003 is Missing The Final 1003 is missing and is required. - Due Diligence Vendor-12/31/2025 |
Resolved-The
Final 1003 is Present - Due Diligence Vendor-03/04/2026 Resolved-The Final 1003 is Missing - Due Diligence Vendor-01/13/2026 |
CA | Primary Residence | Purchase | NA | 6880909 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 11:51 | 2026-02-12 13:24 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Documentation
provided to include replacement cost coverage - cleared - Due Diligence
Vendor-02/12/2026 Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-02/12/2026 Ready for Review-please see replacement cost - Due Diligence Vendor-02/10/2026 Open- - Due Diligence Vendor-01/16/2026 Acknowledged-Hazard Insurance Coverage Amount of $XXXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX.XX - Due Diligence Vendor-01/16/2026 |
Resolved-Documentation
provided to include replacement cost coverage - cleared - Due Diligence
Vendor-02/12/2026 Resolved-Hazard Insurance Coverage Amount of $XXXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-02/12/2026 Acknowledged-Hazard Insurance Coverage Amount of $XXXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX.XX - Due Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 6898403 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 13:54 | 2026-01-23 07:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports Total Loan Cost of $X,XXX.XX, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Total Loan Costs Discrepancy Total loan costs pulled from final Closing Disclosure. - Due Diligence Vendor-01/02/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Purchase | NA | 6900817 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 13:54 | 2026-01-23 07:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Property Value Discrepancy Property Value pulled from appraisal. - Due Diligence Vendor-01/02/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Purchase | NA | 6900816 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 08:14 | 2026-01-16 08:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 |
CA | Primary Residence | Purchase | NA | 6892099 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 13:54 | 2026-01-13 14:48 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Loan Originator NMLS Source Doc | Resolved-Documentation
provided - cleared - Due Diligence Vendor-01/13/2026 Ready for Review-Universal Loan Application - Due Diligence Vendor-01/12/2026 Open-A signed final FNMA 1003 to source the Loan Originator NMLS is missing. A signed final FNMA 1003 to source the Occupancy Type is missing. - Due Diligence Vendor-01/02/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-01/13/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 6900814 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 13:54 | 2026-01-13 14:47 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Occupancy Type Source Doc | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/13/2026 Ready for Review-Universal Residential Loan Application - Due Diligence Vendor-01/12/2026 Open-A signed final FNMA 1003 to source the Occupancy Type is missing. - Due Diligence Vendor-01/02/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/13/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 6900812 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-08 13:40 | 2026-01-13 14:46 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/13/2026 Ready for Review-Universal Loan Application - Due Diligence Vendor-01/12/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/08/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/13/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 6991670 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1052 | XXXX System Seller | Closed | 2026-01-02 11:51 | 2026-01-02 11:51 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Hazard Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Disbursement date was XX/XX/XXXX. - Due Diligence Vendor-01/02/2026 | Acknowledged-Hazard
Insurance Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX
Disbursement date was XX/XX/XXXX. - Due Diligence Vendor-01/02/2026 |
CA | Primary Residence | Purchase | NA | 6898402 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1054 | XXXX System Seller | Closed | 2026-01-08 12:48 | 2026-01-16 09:46 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
confirmed ULI as XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX, condition cleared - Due
Diligence Vendor-01/16/2026 Open-Universal Loan Identifier (ULI) Discrepancy - Due Diligence Vendor-01/16/2026 Ready for Review-XXXX reported ULI XXXXXXXXXXXXXXXXXXX for this loan. - Due Diligence Vendor-01/15/2026 Open-Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Lender provided ULI XXXXXXXXXXXXXXXXXXXXXXX does not match documentation provided in file ULI XXXXXXXXXXXXXXXXXXXXXXXXXXXX. - Due Diligence Vendor-01/08/2026 |
Resolved-Lender
confirmed ULI as XXXXXXXXXXXXXXXX, condition cleared - Due Diligence
Vendor-01/16/2026 |
CO | Primary Residence | Purchase | NA | 6990554 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1056 | XXXX System Seller | Closed | 2026-01-02 14:16 | 2026-01-16 08:51 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/16/2026 |
NC | Primary Residence | Purchase | NA | 6901203 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1056 | XXXX System Seller | Closed | 2026-01-02 06:52 | 2026-01-08 14:45 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/08/2026 Ready for Review-Evidence of HOA Fees attached - Due Diligence Vendor-01/07/2026 Open-Missing Evidence of HOA Dues for REO1 Missing evidence of HOA dues for investment property. - Due Diligence Vendor-01/02/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/08/2026 |
XXXXXXX_1.pdf | NC | Primary Residence | Purchase | NA | 6890420 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1057 | XXXX System Seller | Closed | 2026-01-04 12:02 | 2026-01-27 14:27 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/04/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
OK | Primary Residence | Purchase | NA | 6907455 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1057 | XXXX System Seller | Closed | 2026-01-20 08:50 | 2026-01-23 07:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Invalid Universal Loan Identifier (ULI) Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 Open-Universal Loan Identifier (ULI) Discrepancy - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
OK | Primary Residence | Purchase | NA | 7178387 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1057 | XXXX System Seller | Closed | 2026-01-02 15:47 | 2026-01-05 15:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Missing date of form. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 | Acknowledged-Homeownership
Counseling Organizations Disclosure Missing or Incomplete Missing date of
form. This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/02/2026 |
OK | Primary Residence | Purchase | NA | 6902522 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1058 | XXXX System Seller | Closed | 2026-01-19 08:20 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Income and Employment Do Not Meet Guidelines Per GL for rental income use on departing primary residence requires the LTV to be 75% or less. Current calculation is 75.89%. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Fico
785 residual Income $XX,XXX.XX Excess Reserves |
CA | Primary Residence | Purchase | NA | 7163699 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1058 | XXXX System Seller | Closed | 2026-01-13 22:31 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 45.02% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Purchase | NA | 7079717 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1058 | XXXX System Seller | Closed | 2026-01-19 08:37 | 2026-01-23 07:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Purchase | NA | 7164029 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1058 | XXXX System Seller | Closed | 2026-01-13 22:31 | 2026-01-19 08:38 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | Acknowledged-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/19/2026 | Acknowledged-ECOA
Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-01/19/2026 |
CA | Primary Residence | Purchase | NA | 7079718 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1059 | XXXX System Seller | Closed | 2026-01-05 11:22 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower) | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for Borrower’s job. The VVOE contained in the loan file is 11 Business days from the Note Date. - Due Diligence Vendor-01/05/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Purchase | NA | 6917260 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1059 | XXXX System Seller | Closed | 2026-01-05 12:33 | 2026-01-05 12:33 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 |
GA | Primary Residence | Purchase | NA | 6918511 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1060 | XXXX System Seller | Closed | 2025-12-31 10:35 | 2026-01-16 08:52 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/07/2026 Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($XX,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Please provide the index used for calculation. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
CO | Primary Residence | Purchase | NA | 6875645 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1060 | XXXX System Seller | Closed | 2025-12-31 10:35 | 2026-01-16 08:51 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/07/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) Please provide the index used for calculation. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
CO | Primary Residence | Purchase | NA | 6875643 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1061 | XXXX System Seller | Closed | 2026-01-06 10:27 | 2026-02-23 09:10 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing letter of explanation | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-There is a partial and unsigned CD in file from XXXX XXXX for the property at XXXX XXXX XXXX XXXXX dated XX/XX/XXXX showing payoffs for XXXXXXXXX and XXXX (which were not secured by this property - they were showing as accts secured by the subject property on the 1003 - 1003 showed subject property listed twice with 4 different mortgages) but a mortgage statement from XXXXXX XXX dated XX/XX/XXXX on this same property located at XXXX XXXX XXXX XXXXX was located in the file as well. Please provide an explanation of which mortgages are currently secured on all 3 properties owned by the borrower and did this loan with XXXX close? In addition, there is a TIL dated XX/XX/XXXX in the file, but does not show which property it is attached to. - Due Diligence Vendor-01/06/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 6935244 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1061 | XXXX System Seller | Closed | 2026-01-06 09:52 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing payment history for 2 mortgages that do not appear on the credit report: XXXXXXXXXX XXXXXXXX 1st lien on the subject property and XXXXXX XXXXXXX 1st lien on investment property located at XXXX XXXX XXXX XXXXX. - Due Diligence Vendor-01/06/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 6934354 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1061 | XXXX System Seller | Closed | 2026-01-06 09:27 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Credit Report Supplement | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Letter of explanation for inquiries in file shows new account being opened with XXXXXXXXX XXXXXX (application still in process), but no documentation for the new account was provided and no new payment was included in the DTI. - Due Diligence Vendor-01/06/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 6933804 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1061 | XXXX System Seller | Closed | 2026-01-06 09:52 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Housing History Does Not Meet Guideline Requirements Missing payment history for 2 mortgages that do not appear on the credit report: XXXXXXXXXX XXXXXXXX 1st lien on the subject property and XXXXXX XXXXXXXX 1st lien on investment property located at XXXX XXXX XXXX XXXXX. - Due Diligence Vendor-01/06/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 6934353 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1066 | XXXX System Seller | Closed | 2026-01-06 10:29 | 2026-01-06 10:29 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6935446 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1067 | XXXX System Seller | Closed | 2026-01-13 09:36 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 85% exceeds Guideline HCLTV of 80% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
721 Residual income $XX,XXX.XX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7062454 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1067 | XXXX System Seller | Closed | 2026-01-13 09:36 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 85% exceeds Guideline LTV of 80% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
721 Residual income $XX,XXX.XX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7062455 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1067 | XXXX System Seller | Closed | 2026-01-13 09:36 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 45.6% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/13/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
721 Residual income $XX,XXX.XX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7062453 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1067 | XXXX System Seller | Closed | 2026-01-13 09:36 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 85% exceeds Guideline CLTV of 80% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
721 Residual income $XX,XXX.XX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7062451 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1067 | XXXX System Seller | Closed | 2026-01-13 09:43 | 2026-01-23 07:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7062715 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1068 | XXXX System Seller | Closed | 2026-01-12 10:00 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $7693.75 is less than Total Required Reserve Amount of $29063.76 - Due Diligence Vendor-01/12/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7041908 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1068 | XXXX System Seller | Closed | 2026-01-12 10:57 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 1.59 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/12/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7044606 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 16:28 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 82.58% exceeds Guideline HCLTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-01/12/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
37.43%
DTI Total reserves of $149642 Residual income of $XX,XXX.XX |
TN | Primary Residence | Purchase | NA | 7051102 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 16:28 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 82.58% exceeds Guideline LTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-01/12/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
37.43%
DTI Total reserves of $149642 Residual income of $XX,XXX.XX |
TN | Primary Residence | Purchase | NA | 7051103 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 16:28 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 82.58% exceeds Guideline CLTV of 80% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-01/12/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
37.43%
DTI Total reserves of $149642 Residual income of $XX,XXX.XX |
TN | Primary Residence | Purchase | NA | 7051101 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 15:40 | 2026-02-02 09:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Purchase Contract provided. - Due Diligence Vendor-02/02/2026 Ready for Review-please see purchase contract enclosed - Due Diligence Vendor-01/30/2026 Open-Missing Purchase Contract - Due Diligence Vendor-01/12/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Purchase Contract provided. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | TN | Primary Residence | Purchase | NA | 7050523 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 15:43 | 2026-01-27 14:30 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/12/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
TN | Primary Residence | Purchase | NA | 7050565 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 16:36 | 2026-01-23 07:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
TN | Primary Residence | Purchase | NA | 7051180 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 16:36 | 2026-01-23 07:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $X.XX, Audit reports Lender Credits of $X.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
TN | Primary Residence | Purchase | NA | 7051179 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 16:36 | 2026-01-23 07:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $X,XXX.XX, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
TN | Primary Residence | Purchase | NA | 7051178 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1010 | XXXX System Seller | Closed | 2026-01-12 14:53 | 2026-01-16 07:31 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 |
TN | Primary Residence | Purchase | NA | 7049644 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1070 | XXXX System Seller | Closed | 2026-01-12 18:39 | 2026-01-23 07:54 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX , Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
AL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7051925 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1070 | XXXX System Seller | Closed | 2026-01-12 10:37 | 2026-01-16 13:31 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/12/2026 |
AL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7044162 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1071 | XXXX System Seller | Closed | 2026-01-07 13:37 | 2026-01-07 13:42 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit
amount of ($X,XXX.XX). The following fees "lender credits" have
decreased below their baseline amounts (General Lender Credit). Non-specific
lender credits are generalized payments that do not pay for a particular fee.
Specific lender credits are specific payments to pay for a specific fee. The
total amount of non-specific and specific lender credits cannot decrease
unless a new disclosure is provided and there is a valid changed circumstance
associated with the re-disclosure, or the creditor provides an additional
credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v);
12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). This finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 |
Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit
amount of ($X,XXX.XX). The following fees "lender credits" have
decreased below their baseline amounts (General Lender Credit). Non-specific
lender credits are generalized payments that do not pay for a particular fee.
Specific lender credits are specific payments to pay for a specific fee. The
total amount of non-specific and specific lender credits cannot decrease
unless a new disclosure is provided and there is a valid changed circumstance
associated with the re-disclosure, or the creditor provides an additional
credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v);
12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). This finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/07/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 6966828 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1071 | XXXX System Seller | Closed | 2026-01-07 13:37 | 2026-01-07 13:42 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of
($X,XXX.XX). The following actual fees submitted as "lender
credits" have decreased below their baseline amounts (General Lender
Credit). Non-specific lender credits are generalized payments that do not pay
for a particular fee. Specific lender credits are specific payments to pay
for a specific fee. The total amount of non-specific and specific lender
credits cannot decrease unless a new disclosure is provided and there is a
valid changed circumstance associated with the re-disclosure. (12 CFR
1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR
1026.38(h)). This finding is outside the statute of limitations and will be
rated a B for all agencies. - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 |
Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of
($X,XXX.XX). The following actual fees submitted as "lender
credits" have decreased below their baseline amounts (General Lender
Credit). Non-specific lender credits are generalized payments that do not pay
for a particular fee. Specific lender credits are specific payments to pay
for a specific fee. The total amount of non-specific and specific lender
credits cannot decrease unless a new disclosure is provided and there is a
valid changed circumstance associated with the re-disclosure. (12 CFR
1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR
1026.38(h)). This finding is outside the statute of limitations and will be
rated a B for all agencies. - Due Diligence Vendor-01/07/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 6966829 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1071 | XXXX System Seller | Closed | 2026-01-07 11:39 | 2026-01-07 11:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/07/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 6964060 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1072 | XXXX System Seller | Closed | 2026-01-10 06:18 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 44.19% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/10/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
819 Residual Income $8,038 Excessive Reserves $XX,XXX.XX |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7022875 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1072 | XXXX System Seller | Closed | 2026-01-17 08:08 | 2026-01-23 07:54 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7153752 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1073 | XXXX System Seller | Closed | 2026-01-05 07:16 | 2026-01-05 16:29 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Rescission: Variance | Acknowledged-The
disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier
than the system calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Reg Z, funds may not be disbursed to the borrower until
the expiration of the rescission period. The Last Closing Disclosure
(XX/XX/XXXX) was sent after Consummation, so the system assumes the CD with
the "material disclosures" was provided before or on the
(XX/XX/XXXX) Consummation Date. A "consumer" may exercise the right
to rescind until midnight of the 3rd business day following consummation,
receipt of the Notice of Right to Cancel, or delivery of all material
disclosures, whichever occurs last. "Material disclosures" means
the disclosure of the APR, the finance charge, the amount financed, the total
of payments, the payment schedule, and the disclosures and limitations in
sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23)
Right to Cancel provided in the loan file reflects a transaction date of
XX/XX/XXXX with an expiration date of XX/XX/XXXX. However, the form wasn't
signed by B2 until XX/XX/XXXX. The
loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower
a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct
Information, Proof of Borrower Receipt, and Re-open Rescission. This finding
is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Acknowledged-The
disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier
than the system calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Reg Z, funds may not be disbursed to the borrower until
the expiration of the rescission period. The Last Closing Disclosure
(XX/XX/XXXX) was sent after Consummation, so the system assumes the CD with
the "material disclosures" was provided before or on the
(XX/XX/XXXX) Consummation Date. A "consumer" may exercise the right
to rescind until midnight of the 3rd business day following consummation,
receipt of the Notice of Right to Cancel, or delivery of all material
disclosures, whichever occurs last. "Material disclosures" means
the disclosure of the APR, the finance charge, the amount financed, the total
of payments, the payment schedule, and the disclosures and limitations in
sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23)
Right to Cancel provided in the loan file reflects a transaction date of
XX/XX/XXXX with an expiration date of XX/XX/XXXX. However, the form wasn't
signed by B2 until XX/XX/XXXX. The
loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower
a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct
Information, Proof of Borrower Receipt, and Re-open Rescission. This finding
is non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/05/2026 |
ME | Primary Residence | Refinance | Cash Out - Other | 6911381 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1073 | XXXX System Seller | Closed | 2026-01-05 07:16 | 2026-01-05 16:29 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Rescission: Disbursement | Acknowledged-The
loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the
calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under
Regulation Z, funds may not be disbursed to the borrower until after the
expiration of the rescission period. The Last Closing Disclosure (XX/XX/XXXX)
was sent after Consummation, so the system assumes the CD with the
"material disclosures" was provided before or on the (XX/XX/XXXX)
Consummation Date. A "consumer" may exercise the right to rescind
until midnight of the 3rd business day following consummation, receipt of the
Notice of Right to Cancel, or delivery of all material disclosures, whichever
occurs last. "Material disclosures" means the disclosure of the
APR, the finance charge, the amount financed, the total of payments, the
payment schedule, and the disclosures and limitations in sections 1026.32(c)
and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. However, the form wasn't signed by B2 until XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Acknowledged-The
loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the
calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under
Regulation Z, funds may not be disbursed to the borrower until after the
expiration of the rescission period. The Last Closing Disclosure (XX/XX/XXXX)
was sent after Consummation, so the system assumes the CD with the
"material disclosures" was provided before or on the (XX/XX/XXXX)
Consummation Date. A "consumer" may exercise the right to rescind
until midnight of the 3rd business day following consummation, receipt of the
Notice of Right to Cancel, or delivery of all material disclosures, whichever
occurs last. "Material disclosures" means the disclosure of the
APR, the finance charge, the amount financed, the total of payments, the
payment schedule, and the disclosures and limitations in sections 1026.32(c)
and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. However, the form wasn't signed by B2 until XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/05/2026 |
ME | Primary Residence | Refinance | Cash Out - Other | 6911382 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1074 | XXXX System Seller | Closed | 2026-01-05 12:13 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Mortgage Riders - Other Rider | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Mortgage Rider - Other Rider Provide fully executed renewal and extension rider. - Due Diligence Vendor-01/05/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TX | Second Home | Refinance | No Cash Out - Borrower Initiated | 6918162 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1075 | XXXX System Seller | Closed | 2026-01-20 08:49 | 2026-01-23 07:55 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7178329 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1075 | XXXX System Seller | Closed | 2026-01-05 13:20 | 2026-01-21 13:44 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/21/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/21/2026 Ready for Review-Please find enclosed VOE from 9/21 - Due Diligence Vendor-01/20/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/05/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/21/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/21/2026 |
XXXXXXX_1.pdf | Loan approval lists a WN VOE but was not provided in the loan file. | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6919605 | N/A | N/A | ||||
| XXXXX | OBX2026HYB1076 | XXXX System Seller | Closed | 2026-01-13 09:55 | 2026-01-23 07:56 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7063281 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1077 | XXXX System Seller | Closed | 2026-01-20 08:40 | 2026-01-23 07:56 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
TN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7178149 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1077 | XXXX System Seller | Closed | 2026-01-07 15:00 | 2026-01-20 08:41 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-
- Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/07/2026 Open-A relationship between XXXXXXX XXXXXXXX (NMLS ID: XXXXXXX) and the company (Company NMLS ID: XXXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 |
TN | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 6968396 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1079 | XXXX System Seller | Closed | 2026-01-12 16:55 | 2026-01-23 07:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7051311 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1080 | XXXX System Seller | Closed | 2026-01-14 12:46 | 2026-01-23 07:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7091774 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1081 | XXXX System Seller | Closed | 2026-01-18 13:57 | 2026-01-23 07:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/18/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
DC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7156559 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1083 | XXXX System Seller | Closed | 2026-01-06 09:59 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 44.47% exceeds Guideline DTI of 38% . A lender exception is present in the loan file, dated prior consummation, providing adequate comp factors. XXXX to review - Due Diligence Vendor-01/06/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
-Low ltv
>25% below max allowed -Credit score >50 points above min required -Clean credit history with not history of lates/derogs since 7/97 -Length of time with self-employed 22 years -Strong net cashflow, Residual income annualized covers >15 months reserves |
CO | Primary Residence | Refinance | Cash Out - Other | 6934459 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1084 | XXXX System Seller | Closed | 2026-01-17 09:48 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Initial Loan Application | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/17/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7154008 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1084 | XXXX System Seller | Closed | 2026-01-17 12:20 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7154332 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1084 | XXXX System Seller | Closed | 2026-01-17 12:04 | 2026-01-26 08:03 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXX XXXXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 |
Acknowledged-A
relationship between XXXXXXX XXXXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/17/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7154301 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1085 | XXXX System Seller | Closed | 2026-01-15 15:50 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower) | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 days prior to the Note date for Borrower’s job. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7121903 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1085 | XXXX System Seller | Closed | 2026-01-15 15:50 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing 3rd Party Verbal Verification of Employment (Borrower 2) | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing 3rd Party Verbal Verification of Employment dated within 10 days prior to the Note date for Borrower 2’s job. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7121904 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1085 | XXXX System Seller | Closed | 2026-01-15 19:36 | 2026-01-23 07:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7127438 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1086 | XXXX System Seller | Closed | 2026-01-19 09:21 | 2026-01-23 07:59 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7164919 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1087 | XXXX System Seller | Closed | 2026-01-16 12:02 | 2026-01-23 07:59 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7141875 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1088 | XXXX System Seller | Closed | 2026-01-19 08:49 | 2026-01-27 07:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7164369 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1088 | XXXX System Seller | Closed | 2026-01-19 08:16 | 2026-01-21 10:42 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXX XXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXX XXXXX (NMLS ID: XXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/19/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7163626 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1089 | XXXX System Seller | Closed | 2026-01-15 11:27 | 2026-01-23 08:00 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7114995 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1090 | XXXX System Seller | Closed | 2026-01-18 05:03 | 2026-01-23 08:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/18/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
PA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7155821 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1090 | XXXX System Seller | Closed | 2026-01-12 12:03 | 2026-01-23 08:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX, Audit reports Property Value of $XXX,XXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
PA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7046031 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1091 | XXXX System Seller | Closed | 2026-01-16 09:06 | 2026-01-23 08:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7136884 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1092 | XXXX System Seller | Closed | 2026-01-15 14:29 | 2026-01-23 08:12 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7119213 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1093 | XXXX System Seller | Closed | 2026-01-20 06:13 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Other Property Insurance Policy Effective Date of XX/XX/XXXX is after the Note Date of XX/XX/XXXX Earthquake policy - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175311 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1093 | XXXX System Seller | Closed | 2026-01-15 09:47 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Lender provided WVOE for 2 years - however it was not dated within 30 days of the Note Date. WVOE dated XX/XX/XXXX, Note date XX/XX/XXXX - condition retained - Due Diligence Vendor-02/18/2026 Ready for Review-2 year verification document attached - Due Diligence Vendor-02/17/2026 Open-Paystub not within 30 days of note date - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7110915 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1093 | XXXX System Seller | Closed | 2026-01-20 05:34 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 44.84% exceeds Guideline DTI of 43% Lender exception if file for DTI 44.11% however lender did not include the Earthquake insurance policy on the subject property which results in a 44.84% DTI. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7174883 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1093 | XXXX System Seller | Closed | 2026-01-15 13:52 | 2026-01-27 07:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7118486 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1093 | XXXX System Seller | Seller | 2026-01-20 07:59 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Counter-Lender provided WVOE for 2 years - however it was not dated within 30 days of the Note Date. WVOE dated XX/XX/XXXX, Note date XX/XX/XXXX - condition retained - Due Diligence Vendor-02/18/2026 Ready for Review-2 year verification attached - Due Diligence Vendor-02/17/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing 30 days paystubs and two years verification of Bonus income. - Due Diligence Vendor-01/20/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177377 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1095 | XXXX System Seller | Closed | 2026-01-07 11:35 | 2026-01-23 08:13 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of XXXXXXX, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
TX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6963930 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1096 | XXXX System Seller | Closed | 2026-01-10 12:17 | 2026-01-23 08:13 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Refinance, Audit reports Loan Purpose of Cashout Refinance (>$2,000 cash to borrower at closing). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/10/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7023736 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1097 | XXXX System Seller | Closed | 2026-01-12 11:19 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Business Tax Returns Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Lender provided business tax returns for XXXX - requesting signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Condition retained - Due Diligence Vendor-02/12/2026 Ready for Review-signed tax returns - Due Diligence Vendor-02/10/2026 Open-Self-employed consumers must provide the following information: signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Two full years signed business returns not provided. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/12/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7045027 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1097 | XXXX System Seller | Closed | 2026-01-12 11:19 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Lender provided business tax returns for XXXX - requesting signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Condition retained - Due Diligence Vendor-02/12/2026 Ready for Review-signed tax returns - Due Diligence Vendor-02/10/2026 Open-Self-employed consumers must provide the following information: signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Two full years signed business returns not provided. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/12/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7045018 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1097 | XXXX System Seller | Closed | 2026-01-14 10:11 | 2026-01-27 14:38 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/14/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7087135 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1097 | XXXX System Seller | Closed | 2026-01-12 13:25 | 2026-01-23 08:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7047910 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1097 | XXXX System Seller | Seller | 2026-01-12 11:16 | 2026-02-27 15:01 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Counter-Lender provided business tax returns for XXXX - requesting signed, dated individual tax returns, with all applicable tax schedules for the most recent two years. Condition retained - Due Diligence Vendor-02/12/2026 Ready for Review-tax returns have been supplied can this be cleared - Due Diligence Vendor-02/10/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due missing one year of business tax returns. - Due Diligence Vendor-01/12/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7044960 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 07:45 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7292414 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:11 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Required Documentation is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing evidence of Rental income/ mortgage payments for two properties listed on the final 1003. Additional conditions may apply. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298800 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 07:45 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7292413 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 09:23 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Purchase Contract | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Purchase Contract - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7294390 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:18 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $34562.2 - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298919 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 07:45 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7292416 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 08:36 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7293371 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:18 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $0 less cash to close of $19.319.36 and less unverified EMD of $X,XXX results in $XX,XXX.XX shortage of funds to close. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298920 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 08:36 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7293370 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 10:56 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX- Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298473 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:08 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 95% exceeds Guideline CLTV of 80% - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298715 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 07:45 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7292412 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 09:11 | 2026-02-02 12:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
MI | Primary Residence | Purchase | NA | 7294130 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 09:11 | 2026-02-02 12:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
MI | Primary Residence | Purchase | NA | 7294131 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:05 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MI | Primary Residence | Purchase | NA | 7298667 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:05 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $$1,872. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7298671 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 11:05 | 2026-01-28 14:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $3,199.77. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7298670 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 10:25 | 2026-01-26 16:28 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The finding is outside the
statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The finding is outside the
statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
MI | Primary Residence | Purchase | NA | 7297413 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 08:54 | 2026-01-26 16:28 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: ARM Program Document is Missing or Incomplete | Acknowledged-ARM
Disclosure is Missing or Incomplete This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-ARM
Disclosure is Missing or Incomplete This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
MI | Primary Residence | Purchase | NA | 7293746 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1014 | XXXX System Seller | Closed | 2026-01-26 08:54 | 2026-01-26 11:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
MI | Primary Residence | Purchase | NA | 7293747 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:08 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Provide fraud report confirming all parties to the transaction were checked. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292070 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:08 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared Provide evidence OFAC was cleared. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292069 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:17 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Purchase Contract | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Purchase Contract - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292886 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:29 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $7293.85 is less than Total Required Reserve Amount of $23960.4 Per guidelines, 12-month's reserves are required for first-time homebuyers. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293212 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 06:59 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Initial Loan Application | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The Initial 1003 is Missing Provide a legible copy of the initial 1003 (3/31/2005 application date per loan file). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7291993 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:08 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. Provide either the completed/notarized US Patriot Act form, or a legible copy of the borrower's driver's license for review. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292072 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:22 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX Provide evidence of insurance coverage at the time of consummation. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293028 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:23 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. Provide a legible copy of the XXXXX credit report at the time of consummation. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292204 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:12 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE within 10-business days of note. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292104 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:53 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 3.65 month(s) are less than Guideline Required Reserves of 6 month(s) Per guidelines, the borrower must have 12-months PITIA due to being a first-time homebuyer. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293735 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:53 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 95% exceeds Guideline LTV of 80% Per guidelines, the maximum LTV is 80% for a primary residence (based on FICO). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293734 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:53 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Loan Amount of $XXXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXX Per guidelines, the loan amount must exceed the FHFA amount per $X. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293733 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:53 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 95% exceeds Guideline HCLTV of 85% Per guidelines, the maximum HCLTV is 85% for a primary residence (based on FICO). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293732 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:53 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 55.76% exceeds Guideline DTI of 43% The incorrect qualifying interest rate was used in the lender's calculations. When qualified properly, the borrower's DTI exceeds guidelines. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293731 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:53 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 95% exceeds Guideline CLTV of 85% Per guidelines, the maximum CLTV is 85% for a primary residence (based on FICO). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293730 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:29 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 1 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 1 Missing Provide legible copy of XXXX XX XXXXXXX checking #XXXX within 30-days of initial application. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293209 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:29 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 2 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 2 Missing Provide legible copy of XXXX XX XXXXXXX savings #XXXX within 30-days of initial application. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7293210 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:08 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Provide fraud report confirming all parties to the transaction were checked. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Purchase | NA | 7292068 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 09:04 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TN | Primary Residence | Purchase | NA | 7294036 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 09:04 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TN | Primary Residence | Purchase | NA | 7294037 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 09:04 | 2026-02-11 10:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Type Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Type Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Type Discrepancy Lender Tape reports Loan Type of N/A (blank), Audit reports Loan Type of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
TN | Primary Residence | Purchase | NA | 7294032 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 09:04 | 2026-02-11 10:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Purpose Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A, Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
TN | Primary Residence | Purchase | NA | 7294033 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 09:04 | 2026-02-11 09:55 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-
- Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $4987.50. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TN | Primary Residence | Purchase | NA | 7294038 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 09:04 | 2026-02-09 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - condition cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $210,000 (PP), Audit reports Property Value of $XXX,XXX (appraised value). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Confirmed
Sales Price - condition cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
TN | Primary Residence | Purchase | NA | 7294035 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:59 | 2026-02-02 12:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. Provide legible copy of the initial TIL within 3-business days of the initial application. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
TN | Primary Residence | Purchase | NA | 7292592 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:59 | 2026-02-02 12:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is missing. Provide legible copy of the GFE within 3-business days of the initial application. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
TN | Primary Residence | Purchase | NA | 7292591 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:44 | 2026-02-02 12:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing evidence of rate lock | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Evidence of Rate Lock Missing Provide confirmation of the rate lock. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
TN | Primary Residence | Purchase | NA | 7292393 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:44 | 2026-02-02 12:03 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-E-Consent documentation is missing for borrower(s). Provide confirmation of e-consent and/or when the documentation/disclosure were sent to the borrower. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
TN | Primary Residence | Purchase | NA | 7292394 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:44 | 2026-01-26 16:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: ARM Program Document is Missing or Incomplete | Acknowledged-ARM Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-ARM
Disclosure is Missing or Incomplete This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
TN | Primary Residence | Purchase | NA | 7292391 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 07:44 | 2026-01-26 16:30 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
TN | Primary Residence | Purchase | NA | 7292395 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1015 | XXXX System Seller | Closed | 2026-01-26 08:38 | 2026-01-26 11:56 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-The
NMLS ID (XXXXX) of the loan originator does not exist. Provide legible copy
of the loan originator's NMLS at the time of consummation. - Due Diligence
Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
NMLS ID (XXXXX) of the loan originator does not exist. Provide legible copy
of the loan originator's NMLS at the time of consummation. - Due Diligence
Vendor-01/26/2026 |
TN | Primary Residence | Purchase | NA | 7293396 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1004 | XXXX System Seller | Closed | 2026-01-26 07:23 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Executed 4506-T Missing The 4506 is in the file and signed but not completed (it does not give permission to pull any tax returns). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 7292201 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1004 | XXXX System Seller | Closed | 2026-01-26 09:15 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Cashout Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 7294186 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1004 | XXXX System Seller | Closed | 2026-01-26 09:15 | 2026-01-28 14:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 7294187 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1004 | XXXX System Seller | Closed | 2026-01-26 08:18 | 2026-01-26 11:01 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This finding is non-material and will be
rated a B for all agencies. - Due
Diligence Vendor-01/26/2026 |
IL | Primary Residence | Refinance | Cash Out - Other | 7292939 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:20 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300169 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:47 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300747 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:20 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300168 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:53 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Purchase Contract | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Purchase Contract - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300841 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:30 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300358 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:58 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $1617.98 is less than Total Required Reserve Amount of $8559.96 - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300921 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:16 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Initial Loan Application | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300031 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:20 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300172 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:20 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300173 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Income and Employment Do Not Meet Guidelines Missing all income and employment documents - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300268 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:30 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300357 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300265 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Paystubs Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Paystubs Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300266 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300267 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:30 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300356 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300264 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:30 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300355 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Paystubs Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300263 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:24 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7300262 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:06 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 1.13 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7301064 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:06 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited FICO of is less than Guideline FICO of 700 - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7301061 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:06 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 84.92% exceeds Guideline HCLTV of 80% - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7301062 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:06 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 84.92% exceeds Guideline LTV of 80% - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7301063 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:06 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 84.92% exceeds Guideline CLTV of 80% - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7301060 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:06 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
UT | Primary Residence | Purchase | NA | 7301059 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:45 | 2026-02-02 12:08 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
UT | Primary Residence | Purchase | NA | 7300695 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:45 | 2026-02-02 12:08 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
UT | Primary Residence | Purchase | NA | 7300694 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:33 | 2026-02-02 12:07 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing evidence of rate lock | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
UT | Primary Residence | Purchase | NA | 7300463 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:33 | 2026-02-02 12:06 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | HPA PMI Disclosure, Borrower, Required - Missing or Incomplete | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-HPA PMI Disclosure, Borrower, Required - Missing or Incomplete. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
UT | Primary Residence | Purchase | NA | 7300467 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:14 | 2026-01-29 11:09 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Type Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Type Discrepancy Lender Tape reports Loan Type of Invalid Code, Audit reports Loan Type of Conventional. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
UT | Primary Residence | Purchase | NA | 7301180 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:14 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
UT | Primary Residence | Purchase | NA | 7301181 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:14 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $4110. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
UT | Primary Residence | Purchase | NA | 7301183 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 13:14 | 2026-01-28 14:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
UT | Primary Residence | Purchase | NA | 7301182 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:33 | 2026-01-27 16:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-01/27/2026 |
UT | Primary Residence | Purchase | NA | 7300465 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Closed | 2026-01-26 12:33 | 2026-01-27 16:10 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: ARM Program Document is Missing or Incomplete | Acknowledged-ARM Disclosure is Missing or Incomplete. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-ARM
Disclosure is Missing or Incomplete.
The finding is outside the statute of limitations and will be rated a
B for all agencies. - Due Diligence Vendor-01/27/2026 |
UT | Primary Residence | Purchase | NA | 7300461 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1005 | XXXX System Seller | Seller | 2026-01-26 13:04 | 2026-03-05 07:30 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Open-ATR
Risk - Employment validation/verification standards do not meet requirements
. - Due Diligence Vendor-03/05/2026 Open-ATR Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-01/26/2026 |
UT | Primary Residence | Purchase | NA | 7301021 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:47 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Provide fraud report within 30-business days of note. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298300 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:47 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared Provide OFAC findings, within 30-business days of note, evidencing borrower was cleared. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298299 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 11:48 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Purchase Contract | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Purchase Contract Provide legible copy of the purchase contract and all applicable addenda. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299511 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:04 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $12856.08 is less than Total Required Reserve Amount of $35786.52 Per guidelines, the borrower needs 6-month's PITIA for the subject property + 2-month's PITIA for the departure residence. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299814 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:26 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Insurance for REO | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Provide evidence of PITIA for 38 Access Road (no documentation in-file from time of consummation). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7300291 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:47 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. Provide either the completed/notarized Patriot Act form, or a legible copy of the borrower's driver's license. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298302 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:35 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Initial Loan Application | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The Initial 1003 is Missing Provide a legible copy of the initial application (initial dated 1/5/2005 per loan purchase voucher) - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298097 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:55 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. Provide a legible copy of the credit report used in qualification. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298459 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:52 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide 3rd party VOE within 10-business days of note (a copy of the associated business license can be used). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298406 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:34 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Assets of $12856.08 are less than Guideline Required Assets of $35786.52. Per guidelines, the borrower needs 6-month's PITIA for the subject property, plus 2-month's PITIA for the departure residence. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7300503 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:34 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 95% exceeds Guideline HCLTV of 85% Per guidelines, the maximum HCLTV is 85%. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7300502 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:34 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 95% exceeds Guideline CLTV of 85% Per guidelines, the maximum CLTV is 85%. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7300501 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:04 | 2026-02-23 07:14 | Acknowledged | 2 - Non-Material | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset Qualification Does Not Meet Guideline Requirements All statements at the time of consummation are missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299813 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:04 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 1 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 1 Missing Provide legible copies of the most recent 2-months statements for XXXX XX XXXXXXX checking #XXXX (within 30-days of initial application). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299809 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:04 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 2 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 2 Missing Provide legible copies of the most recent 2-months statements for Bank of America MMS #XXXX (within 30-days of initial application). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299810 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:04 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 3 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 3 Missing Provide legible copies of the most recent 2-months statements for XXXXXXX XXXX saving #XXXX (within 30-days of initial application). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299811 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:04 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 4 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 4 Missing Provide legible copies of the most recent 2-months statements for XXXXXXX XXXX savings #XX-XX (within 30-days of initial application). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7299812 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 10:47 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Provide fraud report, within 30-business days of note, to verify all participants were checked. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Purchase | NA | 7298298 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-02-11 15:18 | 2026-02-16 12:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Modification Documents | Resolved-Documentation
provided - condition cleared. - Due Diligence Vendor-02/16/2026 Ready for Review-Modification attached - Due Diligence Vendor-02/13/2026 Open-Missing Modification Documents. The modification in file is not executed by the Borrower. Please advise if modification is active; please provide executed copy. - Due Diligence Vendor-02/11/2026 |
Resolved-Documentation
provided - condition cleared. - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | CT | Primary Residence | Purchase | NA | 7568121 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:40 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CT | Primary Residence | Purchase | NA | 7300604 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:40 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CT | Primary Residence | Purchase | NA | 7300605 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:40 | 2026-02-11 10:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Purpose Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CT | Primary Residence | Purchase | NA | 7300601 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:40 | 2026-02-11 10:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Discount Points Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $2479.50. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CT | Primary Residence | Purchase | NA | 7300606 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:40 | 2026-02-09 16:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - condition cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX (PP), Audit reports Property Value of $XXX,XXX (appraised value). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Confirmed
Sales Price - condition cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
CT | Primary Residence | Purchase | NA | 7300603 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 11:31 | 2026-02-02 12:10 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is missing. Provide a legible copy of the initial GFE dated within 3-business days of initial application. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
CT | Primary Residence | Purchase | NA | 7299193 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 11:31 | 2026-02-02 12:09 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. Provide a legible copy of the initial TIL dated within 3-business days of initial application. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
CT | Primary Residence | Purchase | NA | 7299194 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 11:06 | 2026-01-27 17:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-
- Due Diligence Vendor-01/27/2026 Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. Provide a legible copy of the FACTA notice dated within 3-business days of the initial application. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CT | Primary Residence | Purchase | NA | 7298696 | Investor Post-Close | No | |||||||
| XXXXX | OBX2026HYB1009 | XXXX System Seller | Closed | 2026-01-26 12:05 | 2026-01-27 16:15 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). A general Seller
Credit was listed on the final HUD-1 but cannot be used to offset the
under-disclosure due to a missing the Sales Agreement. Provide Sales
Agreement. Additional conditions may apply.
The finding is outside the statute of limitations and will be rated a
B for all agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). A general Seller
Credit was listed on the final HUD-1 but cannot be used to offset the
under-disclosure due to a missing the Sales Agreement. Provide Sales
Agreement. Additional conditions may apply.
The finding is outside the statute of limitations and will be rated a
B for all agencies. - Due Diligence Vendor-01/26/2026 |
CT | Primary Residence | Purchase | NA | 7299836 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 07:56 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309562 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:00 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Borrower | Open Judgment/Lien noted (Borrower 1) | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Open judgments/liens noted for the Guarantor 1. No additional details of this filing were provided to confirm the Guarantor was eligible. Please provide evidence of dismissal of this filing. Additional findings may apply. The credit report is showing 3 open judgments. Only 2 show an amount and the total of those 2 accounts is over $100k - no explanation or proof of payment was provided. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310742 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 07:56 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309561 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:57 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Updated Credit Report Supplement | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing verification of the payments for liabilities 3, 4, and 5 from the credit report. The credit report in the file does not show any payments for these revolving accounts. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310697 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:55 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for subject property and primary residence - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310658 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:54 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Debt | Mortgage history for primary residence less than 12 months | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing a VOM for the mortgage on the primary residence located in XXXXXXX, XXXXXXX - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310628 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:13 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 1) | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing proof of residency status for Non-US Citizen (Borrower 1) B1 appears to be a Foreign National (NOTE: Foreign Nations are not permitted per the guidelines). Only a Canadian passport was provided at origination, with only ITIN letters provided post-closing in XXXX. In addition, the handwritten 1003 from the borrowers in the file show that they do not live or work in the United States. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309825 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:13 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing proof of residency status for Non-US Citizen (Borrower 2) | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing proof of residency status for Non-US Citizen (Borrower2) B2 appears to be a Foreign National (NOTE: Foreign Nations are not permitted per the guidelines). Only a Canadian passport was provided at origination, with only ITIN letters provided post-closing in XXXX. In addition, the handwritten 1003 from the borrowers in the file show that they do not live or work in the United States. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309828 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:53 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $18358 - Due Diligence Vendor-01/27/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312377 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:51 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence that REO1 Property is Owned Free and Clear | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Evidence that REO1 Property is Owned Free and Clear Missing evidence that the rental property located in XXXXXX, XXXXXX is owned free and clear. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310577 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:52 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Insurance for Primary Residence | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Evidence of Insurance for Primary Residence located in XXXXXXX, Canada - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310616 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:53 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Property Taxes for Primary Residence | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Evidence of Property Taxes for Primary Residence located in XXXXXX, Canada - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310620 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 08:50 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing evidence of the property taxes on the Rental property located in XXXXXX, Canada - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310565 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 07:59 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Income and Employment Do Not Meet Guidelines Missing VVOE prior to closing for both borrowers - No Ratio loan - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309601 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:07 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7310903 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 07:59 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309600 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 07:59 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7309599 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 10:00 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Assets of $0 are less than Guideline Required Assets of $18358. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312629 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:53 | 2026-02-23 07:14 | Acknowledged | 2 - Non-Material | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset Qualification Does Not Meet Guideline Requirements - Due Diligence Vendor-01/27/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312376 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-02-11 15:52 | 2026-02-18 10:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Modification Documents | Resolved-Documentation
received - cleared - Due Diligence Vendor-02/18/2026 Ready for Review-Signed modification agreement attached - Due Diligence Vendor-02/17/2026 Open-Missing Modification Documents. There are 2 acknowledged modifications in file. Modification dated XX/XX/XXXX (XXX XX/XX/XXXX) and an additional Modification dated XX/XX/XXXX (same) (XXX XX/XX/XXXX). Please confirm which Modification is valid and in effect. - Due Diligence Vendor-02/11/2026 |
Resolved-Documentation
received - cleared - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | NC | Second Home | Refinance | Cash Out - Other | 7569047 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:26 | 2026-02-02 12:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is missing. - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7311406 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:26 | 2026-02-02 12:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7311407 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 10:07 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Cashout Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312865 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 10:07 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312867 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 10:07 | 2026-01-28 14:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312866 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:54 | 2026-01-27 16:19 | Acknowledged | 2 - Non-Material | Compliance | Mavent | ApplicationRule: License | Acknowledged-Prior
to July 31, 2009, North Carolina required a Mortgage Lender License (Mortgage
Lender(NC_ML)) to make a loan and a Mortgage Broker License (Mortgage
Broker(NC_MB)) to broker a loan or originate a table-funded loan. (N.C. Gen.
Stat. 53-244.010 et seq.; 53-243.01 et seq.; 53-243.02) NMLS information was
not provided - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 |
Acknowledged-Prior
to July 31, 2009, North Carolina required a Mortgage Lender License (Mortgage
Lender(NC_ML)) to make a loan and a Mortgage Broker License (Mortgage
Broker(NC_MB)) to broker a loan or originate a table-funded loan. (N.C. Gen.
Stat. 53-244.010 et seq.; 53-243.01 et seq.; 53-243.02) NMLS information was
not provided - Due Diligence Vendor-01/27/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312417 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:54 | 2026-01-27 16:19 | Acknowledged | 2 - Non-Material | Compliance | Mavent | ApplicationRule: License | Acknowledged-On
and after July 31, 2009, a Mortgage Lender License is required to make loans
secured by a 1-4 unit dwelling in North Carolina. Prior to July 31, 2009,
unless the lender qualified for a recognized license exemption, North
Carolina law required a lender to hold a Mortgage Lender License in order to
make a loan. (N.C. Gen. Stat. 53-244-030; 53-244-040; 53-243.02(a);
53-243.01(2), (11), (13), (15), and (19)) NMLS information was not provided -
Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 |
Acknowledged-On
and after July 31, 2009, a Mortgage Lender License is required to make loans
secured by a 1-4 unit dwelling in North Carolina. Prior to July 31, 2009,
unless the lender qualified for a recognized license exemption, North
Carolina law required a lender to hold a Mortgage Lender License in order to
make a loan. (N.C. Gen. Stat. 53-244-030; 53-244-040; 53-243.02(a);
53-243.01(2), (11), (13), (15), and (19)) NMLS information was not provided -
Due Diligence Vendor-01/27/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312419 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:11 | 2026-01-27 16:19 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Acknowledged-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-FACTA
Notice to Home Loan Applicant & Risk Based Pricing/Credit Score
Disclosure Missing or Incomplete. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-01/27/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7311025 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1006 | XXXX System Seller | Closed | 2026-01-27 09:54 | 2026-01-27 16:17 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The disclosed
finance charge ($XXX,XXX.XX) is ($5,282.14) below the actual finance charge
($XXX,XXX.XX). The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 Open- - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The disclosed
finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge
($XXX,XXX.XX). The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
NC | Second Home | Refinance | Cash Out - Other | 7312418 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-02-11 16:01 | 2026-02-18 13:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Modification Documents | Resolved-Confirmed
most recent acknowledged modification used - condition cleared - Due
Diligence Vendor-02/18/2026 Open-Missing Modification Documents. There are 2 acknowledged modifications in file. Modification dated XX/XX/XXXX (XXX XX/XX/XXXX) and an additional Modification dated XX/XX/XXXX (same) (XXX XX/XX/XXXX). Please confirm which Modification is valid and in effect. - Due Diligence Vendor-02/11/2026 |
Resolved-Confirmed
most recent acknowledged modification used - condition cleared - Due
Diligence Vendor-02/18/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7569215 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-01-23 14:54 | 2026-01-29 10:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7278325 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-01-23 14:54 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7278328 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-01-23 14:54 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7278329 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-01-23 14:54 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7278326 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-01-23 14:54 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7278330 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1001 | XXXX System Seller | Closed | 2026-01-23 14:54 | 2026-01-28 14:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7278327 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-26 08:03 | 2026-02-18 09:30 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7292658 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-20 19:14 | 2026-02-10 07:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.X, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7192367 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-20 16:56 | 2026-02-02 12:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Attorney Preference Letter | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-01/20/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7190541 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-20 19:14 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7192369 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-20 19:14 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7192366 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-20 19:14 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7192370 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1098 | XXXX System Seller | Closed | 2026-01-20 19:14 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NY | Primary Residence | Refinance | Cash Out - Other | 7192368 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 16:33 | 2026-02-27 16:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing 3rd Party Verbal Verification of Employment dated within 10 business days prior to the Note date for Borrower’s current job. - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/27/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171082 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 16:42 | 2026-02-27 16:05 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/27/2026 Open- - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements The loan file s missing the credit report. - Due Diligence Vendor-01/22/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171129 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 16:33 | 2026-02-12 13:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/12/2026
Ready for Review-VOE - Due Diligence Vendor-02/10/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party Verbal Verification of Employment dated within 10 business days prior to the Note date for Borrower’s current job. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence
Vendor-02/12/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171080 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 16:42 | 2026-02-05 07:40 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/05/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/05/2026 Ready for Review-credit report provided can this be cleared as well - Due Diligence Vendor-02/03/2026 Open-Housing History Does Not Meet Guideline Requirements No evidence of housing payment history in file and the loan file is missing the credit report. - Due Diligence Vendor-01/22/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/05/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/05/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171128 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 16:42 | 2026-02-05 07:37 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower
1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171127 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 18:57 | 2026-01-27 07:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-1Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171738 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 18:57 | 2026-01-27 07:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI was blank, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171742 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 18:57 | 2026-01-27 07:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $1,019.00. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171741 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 18:57 | 2026-01-27 07:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171740 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1099 | XXXX System Seller | Closed | 2026-01-19 18:57 | 2026-01-27 07:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7171739 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:29 | 2026-02-27 15:12 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-credit was provided please clear - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing Credit Report. - Due Diligence Vendor-01/23/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181208 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:19 | 2026-02-27 15:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/27/2026 Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/05/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower 1 W2/1099 Missing - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/27/2026 Resolved-Documentation provided - condition cleared - Due Diligence Vendor-02/05/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7180741 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:22 | 2026-02-16 12:46 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/16/2026 Open-Asset Record 1 Does Not Meet G/L Requirements - Due Diligence Vendor-02/16/2026 Ready for Review-asset statement - Due Diligence Vendor-02/13/2026 Open-Asset Record 1 Does Not Meet G/L Requirements. Asset documentation not provided in file. - Due Diligence Vendor-01/26/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7184375 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:22 | 2026-02-16 12:45 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset
Qualification Meets Guideline Requirements - Due Diligence Vendor-02/16/2026
Ready for Review-asset statement - Due Diligence Vendor-02/13/2026 Open-Asset Qualification Does Not Meet Guideline Requirements. Asset documentation not found in file. - Due Diligence Vendor-01/26/2026 |
Resolved-Asset
Qualification Meets Guideline Requirements - Due Diligence
Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7184377 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:19 | 2026-02-16 12:42 | Resolved | 1 - Information | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income
and Employment Meet Guidelines - Due Diligence Vendor-02/16/2026 Ready for Review-w2 - Due Diligence Vendor-02/13/2026 Open-Income and Employment Do Not Meet Guidelines Borrower 1 W2/1099 Missing - Due Diligence Vendor-01/20/2026 |
Resolved-Income
and Employment Meet Guidelines - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7180740 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:19 | 2026-02-16 12:42 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower
1 W2/1099 Provided - Due Diligence Vendor-02/16/2026 Ready for Review-w2 - Due Diligence Vendor-02/13/2026 Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 W2/1099 Provided - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7180739 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:29 | 2026-02-05 07:51 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/05/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/05/2026 Ready for Review-credit report has been provided can this be cleared - Due Diligence Vendor-02/03/2026 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/05/2026 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/05/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181207 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:29 | 2026-02-05 07:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower
1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached. - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181206 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:08 | 2026-02-03 07:29 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood
Certificate is fully present - Due Diligence Vendor-02/03/2026 Ready for Review-please see fema map reflecting not in a flood zone. Appraisal also reflects property is not in a flood zone - Due Diligence Vendor-02/02/2026 Open-Missing Flood Certificate - Due Diligence Vendor-01/20/2026 |
Resolved-Flood
Certificate is fully present - Due Diligence Vendor-02/03/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7184086 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:52 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7185026 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:52 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7185024 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:52 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7185027 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:52 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI was blank, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7185028 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:52 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7185025 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:33 | 2026-01-23 12:48 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Acknowledged-The
Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the
Application Date (XX/XX/XXXX). Three business days from the Application Date
is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or
placed in the mail not later than the third business day after receiving a
consumer's application.(12 CFR 1026.19(e)(1)(iii)) This finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-The
Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the
Application Date (XX/XX/XXXX). Three business days from the Application Date
is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or
placed in the mail not later than the third business day after receiving a
consumer's application.(12 CFR 1026.19(e)(1)(iii)) This finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/20/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7184602 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 12:45 | 2026-01-20 12:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/20/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7184882 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:50 | 2026-01-20 10:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-Homeownership
Counseling Organizations Disclosure Missing or Incomplete This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/20/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181846 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1100 | XXXX System Seller | Closed | 2026-01-20 10:50 | 2026-01-20 10:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181847 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1101 | XXXX System Seller | Closed | 2026-01-23 15:31 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 40.31% exceeds Guideline DTI of 40% Guidelines reflect a maximum DTI of 40%. The audited DTI is 40.31%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/23/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Good
reserves. Employment +10 years at same employer, 26 years in field. LTV less than 75%. |
FL | Second Home | Purchase | NA | 7278920 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1101 | XXXX System Seller | Closed | 2026-01-23 15:41 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable Audit Reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
FL | Second Home | Purchase | NA | 7279100 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1101 | XXXX System Seller | Closed | 2026-01-23 15:41 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XX,XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Second Home | Purchase | NA | 7279102 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1101 | XXXX System Seller | Closed | 2026-01-23 15:41 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $1136. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Second Home | Purchase | NA | 7279103 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1101 | XXXX System Seller | Closed | 2026-01-23 15:41 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Second Home | Purchase | NA | 7279101 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1101 | XXXX System Seller | Closed | 2026-01-23 14:04 | 2026-01-26 16:39 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). It appears the
lender did not include the Loan Origination Fee in the amount of $XXXXX.XX
and Settlement Fee in the amount of $XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/23/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). It appears the
lender did not include the Loan Origination Fee in the amount of $XXXXX.XX
and Settlement Fee in the amount of $XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
FL | Second Home | Purchase | NA | 7277493 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1102 | XXXX System Seller | Closed | 2026-01-19 14:09 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169597 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1102 | XXXX System Seller | Closed | 2026-01-19 14:09 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169595 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1102 | XXXX System Seller | Closed | 2026-01-19 14:09 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169598 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1102 | XXXX System Seller | Closed | 2026-01-23 14:22 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports No ULI, Audit reports ULI of XXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7277838 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1102 | XXXX System Seller | Closed | 2026-01-19 14:09 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169596 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1102 | XXXX System Seller | Closed | 2026-01-19 13:53 | 2026-01-23 14:22 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between Elliott Reiss (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXXXX XXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169384 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 14:02 | 2026-02-23 14:58 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing credit report - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Purchase | NA | 7169529 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 14:02 | 2026-02-02 11:54 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached. - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 7169528 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:50 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7170793 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:50 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 00000, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7170791 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:50 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7170794 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:55 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of missing, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7170836 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:50 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7170792 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:01 | 2026-01-27 14:40 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/19/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7170243 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1103 | XXXX System Seller | Closed | 2026-01-19 15:28 | 2026-01-23 11:15 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXX XXXXXXX (NMLS ID: XXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/19/2026 |
CA | Primary Residence | Purchase | NA | 7170483 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1104 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-01-27 08:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7222493 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1104 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-01-27 08:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7222492 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1104 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-01-27 08:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7222491 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1104 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-01-27 07:59 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7222490 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1104 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-01-27 07:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of blank, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7222489 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:16 | 2026-02-23 14:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR
Risk - Employment validation/verification standards meet requirements - Due
Diligence Vendor-02/16/2026 Ready for Review-VOE - Due Diligence Vendor-02/13/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements due to missing verbal verification of employment. - Due Diligence Vendor-01/20/2026 |
Resolved-ATR
Risk - Employment validation/verification standards meet requirements - Due
Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7177684 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:16 | 2026-02-23 14:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR
Risk - Current Income or Current Assets were considered - Due Diligence
Vendor-02/16/2026 Ready for Review-all income docs submitted within other conditions, w2, paystubs and VOE please clear - Due Diligence Vendor-02/13/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements ok - Due Diligence Vendor-01/30/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due to missing Paystubs and 2 years of W2s. - Due Diligence Vendor-01/20/2026 |
Resolved-ATR
Risk - Current Income or Current Assets were considered - Due Diligence
Vendor-02/16/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7177685 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:41 | 2026-02-23 14:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements due to missing Credit report - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ATR Risk - Credit History taken into consideration does not meet requirements - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7178159 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-26 08:09 | 2026-02-18 09:32 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7292747 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:16 | 2026-02-16 12:51 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/16/2026
Ready for Review-VOE - Due Diligence Vendor-02/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines and Appendix Q require a VVOE within 10 business days prior to the note date. The VVOE is missing. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence
Vendor-02/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7177681 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:16 | 2026-02-16 12:51 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower
1 Paystubs Provided - Due Diligence Vendor-02/16/2026 Ready for Review-paystub - Due Diligence Vendor-02/13/2026 Open-Borrower 1 Paystubs Missing The Borrower's income is required to be documented with Appendix Q requirement. The loan file contains 1040 transcripts for 3 years. Copies of the Borrower's most recent paystubs are required to fulfill guidelines and QM requirements. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 Paystubs Provided - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7177682 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:16 | 2026-02-16 12:51 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower
1 W2/1099 Provided - Due Diligence Vendor-02/16/2026 Ready for Review-w2 - Due Diligence Vendor-02/13/2026 Open-Borrower 1 W2/1099 Missing Copies of the Borrower's 2 years of W2s are required to fulfill guidelines and QM requirements. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 W2/1099 Provided - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7177683 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:03 | 2026-02-03 07:27 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Sufficient
documentation provided - condition cleared - Due Diligence Vendor-02/03/2026
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2026 Ready for Review-Fema map included reflecting Zone X- not in a flood zone - Due Diligence Vendor-02/02/2026 Open-Missing Flood Certificate Life of loan Flood Certificate not provided. - Due Diligence Vendor-01/20/2026 |
Resolved-Sufficient
documentation provided - condition cleared - Due Diligence Vendor-02/03/2026
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7180133 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 08:41 | 2026-02-02 11:45 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. A credit report for the borrower was not provided. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7178158 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:52 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7181927 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:52 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $1357. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7181928 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:52 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR is blank, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7181925 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:52 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0 Audit reports Total Loan Cost of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7181926 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:19 | 2026-01-26 08:10 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Acknowledged-The
Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the
Application Date (XX/XX/XXXX). Three business days from the Application Date
is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or
placed in the mail not later than the third business day after receiving a
consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Loan Estimate
was not provided within 3 days of application. The Initial Loan Estimate is
dated XX/XX/XXXX and the application date is XX/XX/XXXX. The finding is
outside the statute of limitations and will be rated a B for all agencies. -
Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-The
Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the
Application Date (XX/XX/XXXX). Three business days from the Application Date
is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or
placed in the mail not later than the third business day after receiving a
consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Loan Estimate
was not provided within 3 days of application. The Initial Loan Estimate is
dated XX/XX/XXXX and the application date is XX/XX/XXXX. The finding is
outside the statute of limitations and will be rated a B for all agencies. -
Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7180783 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1105 | XXXX System Seller | Closed | 2026-01-20 10:19 | 2026-01-23 10:55 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXX XXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. NMLS ID
is associated with XXXXXX XXXXXXXX XXXXXXXXXXX, however XXXX XXXX has a
relationship with them - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-A
relationship between XXXXXX XXXXX (NMLS ID: XXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. NMLS ID is
associated with XXXXXX XXXXXXXX XXXXXXXXXX, however XXXX XXXX has a
relationship with them - Due Diligence Vendor-01/20/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7180784 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-26 16:40 | 2026-02-18 09:32 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7304145 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-21 03:11 | 2026-01-28 17:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7196801 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-21 03:11 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $2928.75. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7196802 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-21 03:11 | 2026-01-28 16:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7196799 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-21 03:11 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7196803 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-21 03:11 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7196800 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-20 11:55 | 2026-01-26 16:40 | Acknowledged | 2 - Non-Material | Compliance | Closing | Loan Originator NMLS Status is Not Active | Acknowledged-Loan Originator NMLS Status is Not Active Per NMLS consumer access, she wasn't authorized to represent XXXXXX XXXXXXXX in Washington until XX/XX/XXXX. - Due Diligence Vendor-01/20/2026 | Acknowledged-Loan
Originator NMLS Status is Not Active Per NMLS consumer access, she wasn't
authorized to represent XXXXXX XXXXXXXX in Washington until XX/XX/XXXX. - Due
Diligence Vendor-01/20/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7183632 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1106 | XXXX System Seller | Closed | 2026-01-21 02:51 | 2026-01-26 16:40 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXX XXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. Per
NMLS consumer access, she wasn't authorized to represent XXXXXX XXXXXXXX in
Washington until XX/XX/XXXX. - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/21/2026 |
Acknowledged-A
relationship between XXXXXXX XXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. Per
NMLS consumer access, she wasn't authorized to represent XXXXXX XXXXXXXX in
Washington until XX/XX/XXXX. - Due Diligence Vendor-01/21/2026 |
WA | Primary Residence | Refinance | Cash Out - Other | 7196731 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1016 | XXXX System Seller | Closed | 2026-01-21 16:35 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of not applicable, Audit reports Loan Purpose of rate term refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7227308 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1016 | XXXX System Seller | Closed | 2026-01-21 16:35 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7227311 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1016 | XXXX System Seller | Closed | 2026-01-21 16:35 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7227309 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1016 | XXXX System Seller | Closed | 2026-01-21 16:35 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7227312 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1016 | XXXX System Seller | Closed | 2026-01-21 16:35 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00 Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7227310 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7222502 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-21 14:13 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing VOM or VOR | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7223397 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-21 13:36 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7222501 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-22 08:19 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable , Audit reports Loan Purpose of Cash Out Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7239896 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-22 08:19 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7239900 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-22 08:19 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7239898 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-22 08:19 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0 Audit reports Lender Credits of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7239901 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1107 | XXXX System Seller | Closed | 2026-01-22 08:19 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Cash Out - Other | 7239899 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 15:05 | 2026-02-18 09:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Introductory Rate Period Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/18/2026 Open-Introductory Rate Period Discrepancy Lender Tape reports Introductory Rate Period of 60 months, Audit reports Loan Term of 84 months. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/18/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7254058 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 15:05 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Cashout Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7254057 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 15:05 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7254061 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 15:05 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7254059 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 15:05 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7254062 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 15:05 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7254060 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-24 10:10 | 2026-01-24 10:20 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the
statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the
statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/24/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7282847 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 13:57 | 2026-01-24 09:41 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/24/2026 | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete This finding is non-material and will
be rated a B for all agencies. - Due
Diligence Vendor-01/24/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7252744 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1108 | XXXX System Seller | Closed | 2026-01-22 13:57 | 2026-01-24 09:40 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/24/2026 | Acknowledged-Privacy
Notice Required - Missing or Incomplete. This finding is non-material and
will be rated a B for all agencies. -
Due Diligence Vendor-01/24/2026 |
KS | Primary Residence | Refinance | Cash Out - Other | 7252746 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1007 | XXXX System Seller | Closed | 2026-01-26 10:52 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Missing Third Party Fraud Tool (Report) - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Purchase | NA | 7298416 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1007 | XXXX System Seller | Closed | 2026-01-26 12:58 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MD | Primary Residence | Purchase | NA | 7300915 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1007 | XXXX System Seller | Closed | 2026-01-26 12:58 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0 Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Purchase | NA | 7300917 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1007 | XXXX System Seller | Closed | 2026-01-26 12:58 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Purchase | NA | 7300918 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1007 | XXXX System Seller | Closed | 2026-01-26 16:18 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Purchase | NA | 7303810 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 03:17 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report Provide legible copy of the fraud report. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290221 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 03:17 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared Provide confirmation that OFAC was checked and cleared. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290220 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:28 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $6710.17 is less than Total Required Reserve Amount of $13618.62 Per guidelines, 6-months of reserves are required (based on qualifying rate). - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290615 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 07:26 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Shortfall | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7292237 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:48 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 2.96 month(s) are less than Guideline Required Reserves of 6 month(s) Per 10/2/2019 guidelines, the minimum reserves were 6-month's qualifying PITIA. If you have guidelines that are during the time of consummation, provide a legible copy and corrections will be made. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290727 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:48 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited FICO of 680 is less than Guideline FICO of 700 Per 10/2/2019 guidelines, the minimum FICO for 80% LTV/CLTV/HCLTV is 700. Subject to receipt of Guidelines from date of loan consummation. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290725 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:48 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $359651 Per guidelines, the minimum loan amount is $XX more than the FHFA loan limit, which was $XXX,XXX in XXXX. If you have guidelines that are during the time of consummation, provide a legible copy and corrections will be made. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290726 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 03:17 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists Provide legible copy of the fraud report reflecting that all parties to the loan were checked. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290219 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:29 | 2026-02-02 12:12 | Acknowledged | 2 - Non-Material | Compliance | Late:Grace | Maryland - Minimum Grace Period (Interest & Usury) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open-The late fee grace period is (10.0). The Maryland Interest and Usury Act prohibits a late charge being imposed before the delinquency has continued for at least 15 days. (MD COML 12-105(c)(3)) 10 days < 15 days required grace period permitted by the State of Maryland. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290619 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:53 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of cash-out refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290763 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:53 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290765 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:53 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290764 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 03:46 | 2026-01-26 16:43 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date Provide
confirmation the ARM disclosure was provided to the borrower within
3-business days of the initial application.
The finding is outside the statute of limitations and will be rated a
B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date Provide
confirmation the ARM disclosure was provided to the borrower within
3-business days of the initial application.
The finding is outside the statute of limitations and will be rated a
B for all agencies. - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290379 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 03:46 | 2026-01-26 16:43 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete Provide confirmation the CHARM booklet
was provided to the borrower within 3-business days of the initial
application. This finding is
non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete Provide confirmation the CHARM booklet
was provided to the borrower within 3-business days of the initial
application. This finding is
non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290377 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:29 | 2026-01-26 16:42 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $100 below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). Please provide the
index used for calculation. Compliance will be re-reviewed upon receipt.
Additional conditions may apply. The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). Please provide the
index used for calculation. Compliance will be re-reviewed upon receipt.
Additional conditions may apply. The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290620 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 05:17 | 2026-01-26 07:32 | Acknowledged | 2 - Non-Material | Compliance | Closing | Loan Origination Company NMLS Status is Unknown | Acknowledged-Loan Origination Company NMLS Status is Unknown - Due Diligence Vendor-01/26/2026 | Acknowledged-Loan
Origination Company NMLS Status is Unknown - Due Diligence
Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290878 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 05:17 | 2026-01-26 07:31 | Acknowledged | 2 - Non-Material | Compliance | Closing | Loan Originator NMLS Status is Unknown | Acknowledged-Loan Originator NMLS Status is Unknown Provide confirmation of the loan originator's NMLS number at the time of loan consummation (not reflected on the note, DOT, or 1003. - Due Diligence Vendor-01/26/2026 | Acknowledged-Loan
Originator NMLS Status is Unknown Provide confirmation of the loan
originator's NMLS number at the time of loan consummation (not reflected on
the note, DOT, or 1003. - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290879 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 06:39 | 2026-01-26 07:30 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-The
loan originator does not have a license in MD as of XX/XX/XXXX Provide
confirmation of the loan originator's NMLS number at the time of
consummation. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
loan originator does not have a license in MD as of XX/XX/XXXX Provide
confirmation of the loan originator's NMLS number at the time of
consummation. - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7291761 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1109 | XXXX System Seller | Closed | 2026-01-26 04:53 | 2026-01-26 07:27 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Loan Originator NMLS Source Doc | Acknowledged-A signed final FNMA 1003 to source the Loan Originator NMLS is missing. The NMLS isn't reflected on the final note, DOT, or signed 1003 for either the loan originator or the company. - Due Diligence Vendor-01/26/2026 | Acknowledged-A
signed final FNMA 1003 to source the Loan Originator NMLS is missing. The
NMLS isn't reflected on the final note, DOT, or signed 1003 for either the
loan originator or the company. - Due Diligence Vendor-01/26/2026 |
MD | Primary Residence | Refinance | Cash Out - Other | 7290762 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1111 | XXXX System Seller | Closed | 2026-02-23 10:37 | 2026-02-23 10:37 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Open-The lender changed the originator qualified mortgage designation from QM to Non QM. - Due Diligence Vendor-02/23/2026 |
Acknowledged-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7757640 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1111 | XXXX System Seller | Closed | 2025-12-29 12:26 | 2026-02-23 10:34 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Acknowledged-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Acknowledged-The loan's (9.318%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (7.48%), which is the comparable average prime offer rate of (5.23%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (9.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Acknowledged-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Acknowledged-The loan's (9.318%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (7.48%), which is the comparable average prime offer rate of (5.23%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (9.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) - Due Diligence Vendor-01/16/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6837532 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1111 | XXXX System Seller | Closed | 2025-12-29 15:00 | 2026-01-08 13:47 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Acknowledged-The
last Closing Disclosure Received Date (XX/XX/XXXX) is not at least 3 business
days before the consummation date of (XX/XX/XXXX). The (Fixed Rate) disclosed Loan Product on
the last Closing Disclosure does not match the system calculated (5/6 mo.
Adjustable Rate) Loan Product. Under
Regulation Z, if the Loan Product is inaccurate, a consumer must receive
corrected Closing Disclosures no later than 3 business days before the
consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not
provided in person, a consumer is deemed to have received it 3 business days
after the corrected Closing Disclosure is mailed or delivered, unless there
is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B);
OSC 19(f)(2)(ii)-1) This finding is outside the statute of limitations and
will be rated a B - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 |
Acknowledged-The
last Closing Disclosure Received Date (XX/XX/XXXX) is not at least 3 business
days before the consummation date of (XX/XX/XXXX). The (Fixed Rate) disclosed Loan Product on
the last Closing Disclosure does not match the system calculated (5/6 mo.
Adjustable Rate) Loan Product. Under
Regulation Z, if the Loan Product is inaccurate, a consumer must receive
corrected Closing Disclosures no later than 3 business days before the
consummation date of (XX/XX/XXXX). If a corrected Closing Disclosure is not
provided in person, a consumer is deemed to have received it 3 business days
after the corrected Closing Disclosure is mailed or delivered, unless there
is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(2)(ii)(B);
OSC 19(f)(2)(ii)-1) This finding is outside the statute of limitations and
will be rated a B - Due Diligence Vendor-12/29/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6840763 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1111 | XXXX System Seller | Closed | 2025-12-29 15:00 | 2026-01-08 13:47 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Inaccurate Loan Product - Redisclosure and Waiting Period | Acknowledged-The
Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The
actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the
Loan Product is inaccurate, a consumer must receive corrected Closing
Disclosures no later than 3 business days before the consummation date of
(XX/XX/XXXX). If a corrected Closing Disclosure is delivered to a consumer
other than in person, a consumer is deemed to have received it 3 business
days after the corrected Closing Disclosure is mailed or delivered, unless
there is evidence of earlier receipt by a consumer. (12 CFR
1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) The Loan
Information section of the final CD, dated XX/XX/XXXX, states the Loan
Product is Examples: 30 Year Fixed. The prior CD, dated XX/XX/XXXX, states
the Loan Product was Example: 5/6
Adjustable Rate. A change in Loan Product on the final CD requires either a
3-day waiting period or a waiver by borrower. No Cure. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-12/29/2025 Open- - Due Diligence Vendor-12/29/2025 |
Acknowledged-The
Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The
actual Loan Product is (5/6 mo. Adjustable Rate). Under Regulation Z, if the
Loan Product is inaccurate, a consumer must receive corrected Closing
Disclosures no later than 3 business days before the consummation date of
(XX/XX/XXXX). If a corrected Closing Disclosure is delivered to a consumer
other than in person, a consumer is deemed to have received it 3 business
days after the corrected Closing Disclosure is mailed or delivered, unless
there is evidence of earlier receipt by a consumer. (12 CFR
1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) The Loan
Information section of the final CD, dated XX/XX/XXXX, states the Loan
Product is Examples: 30 Year Fixed. The prior CD, dated XX/XX/XXXX, states
the Loan Product was Example: 5/6
Adjustable Rate. A change in Loan Product on the final CD requires either a
3-day waiting period or a waiver by borrower. No Cure. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-12/29/2025 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6840762 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1112 | XXXX System Seller | Closed | 2026-02-23 10:40 | 2026-02-23 10:40 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7757710 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1112 | XXXX System Seller | Closed | 2025-12-30 17:41 | 2026-02-23 10:40 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Open-The loan's (8.388%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (6.85%), which is the comparable average prime offer rate of (4.6%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (5.99%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-12/30/2025 Open- - Due Diligence Vendor-12/30/2025 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6862603 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1112 | XXXX System Seller | Closed | 2026-01-05 08:10 | 2026-01-23 08:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $XX.XX, Audit reports Lender Credits of $0.00. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/05/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6912164 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1112 | XXXX System Seller | Closed | 2025-12-30 14:30 | 2026-01-12 11:27 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/30/2025 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies - Due Diligence Vendor-12/30/2025 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6860068 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1113 | XXXX System Seller | Closed | 2026-02-23 10:42 | 2026-02-23 10:42 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7757728 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1113 | XXXX System Seller | Closed | 2026-01-06 13:36 | 2026-02-23 10:41 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Open-The loan's (7.007%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.17%), which is the comparable average prime offer rate of (2.92%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.99%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6942119 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1114 | XXXX System Seller | Closed | 2026-02-23 10:45 | 2026-02-23 10:45 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7757783 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1114 | XXXX System Seller | Closed | 2026-01-14 08:37 | 2026-02-23 10:44 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (7.025%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.27%), which is the comparable average prime offer rate of (3.02%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.99%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7084594 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1114 | XXXX System Seller | Closed | 2026-01-20 08:43 | 2026-01-23 08:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7178191 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-02-23 10:47 | 2026-02-23 10:47 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7757819 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-01-12 15:36 | 2026-02-23 10:46 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.779%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.02%), which is the comparable average prime offer rate of (2.77%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.75%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure. - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7050425 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-01-12 12:26 | 2026-02-16 13:01 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 2 IRS Transcripts Do Not Match Income Docs | Resolved-Documentation
re-reviewed - sufficient documentation in file - cleared - Due Diligence
Vendor-02/16/2026 Resolved-Borrower 2 IRS Transcripts Do Not Match Income Docs Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/16/2026 Ready for Review-brw #2 income was not used for income cal see income cal explanation provided - Due Diligence Vendor-02/13/2026 Open-Borrower 2 IRS Transcripts Do Not Match Income Docs The XXXX Tax Transcripts do not match the XXXX Tax Returns. - Due Diligence Vendor-01/12/2026 |
Resolved-Documentation
re-reviewed - sufficient documentation in file - cleared - Due Diligence
Vendor-02/16/2026 Resolved-Borrower 2 IRS Transcripts Do Not Match Income Docs Condition Resolved or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7046564 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-01-12 12:26 | 2026-02-16 13:00 | Resolved | 1 - Information | Credit | Income/Employment | Borrower 1 IRS Transcripts Do Not Match Income Docs | Resolved-Documentation
re-reviewed - sufficient documentation in file - cleared - Due Diligence
Vendor-02/16/2026 Resolved-Borrower 1 IRS Transcripts Do Not Match Income Docs Condition Resolved - Due Diligence Vendor-02/16/2026 Ready for Review-income cal - Due Diligence Vendor-02/13/2026 Open-Borrower 1 IRS Transcripts Do Not Match Income Docs The XXXX Tax Transcripts do not match the XXXX Tax Returns. - Due Diligence Vendor-01/12/2026 |
Resolved-Documentation
re-reviewed - sufficient documentation in file - cleared - Due Diligence
Vendor-02/16/2026 Resolved-Borrower 1 IRS Transcripts Do Not Match Income Docs Condition Resolved - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | NJ | Primary Residence | Refinance | Cash Out - Other | 7046563 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-01-12 16:15 | 2026-01-23 07:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX from initial loan application, Audit reports ULI of XXXXXXXXXXXXXXXX from final loan application. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7050945 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-01-12 15:36 | 2026-01-12 15:57 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit
amount of ($X,XXX.XX). The following fees "lender credits" have
decreased below their baseline amounts (General Lender Credit). Non-specific
lender credits are generalized payments that do not pay for a particular fee.
Specific lender credits are specific payments to pay for a specific fee. The
total amount of non-specific and specific lender credits cannot decrease
unless a new disclosure is provided and there is a valid changed circumstance
associated with the re-disclosure, or the creditor provides an additional
credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v);
12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). This finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit
amount of ($X,XXX.XX). The following fees "lender credits" have
decreased below their baseline amounts (General Lender Credit). Non-specific
lender credits are generalized payments that do not pay for a particular fee.
Specific lender credits are specific payments to pay for a specific fee. The
total amount of non-specific and specific lender credits cannot decrease
unless a new disclosure is provided and there is a valid changed circumstance
associated with the re-disclosure, or the creditor provides an additional
credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v);
12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). This finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/12/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7050423 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1115 | XXXX System Seller | Closed | 2026-01-12 15:36 | 2026-01-12 15:57 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of
($X,XXX.XX). The following actual fees submitted as "lender
credits" have decreased below their baseline amounts (General Lender
Credit). Non-specific lender credits are generalized payments that do not pay
for a particular fee. Specific lender credits are specific payments to pay
for a specific fee. The total amount of non-specific and specific lender
credits cannot decrease unless a new disclosure is provided and there is a
valid changed circumstance associated with the re-disclosure. (12 CFR
1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR
1026.38(h)). This finding is outside the statute of limitations and will be
rated a B for all agencies. - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of
($X,XXX.XX). The following actual fees submitted as "lender
credits" have decreased below their baseline amounts (General Lender
Credit). Non-specific lender credits are generalized payments that do not pay
for a particular fee. Specific lender credits are specific payments to pay
for a specific fee. The total amount of non-specific and specific lender
credits cannot decrease unless a new disclosure is provided and there is a
valid changed circumstance associated with the re-disclosure. (12 CFR
1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR
1026.38(h)). This finding is outside the statute of limitations and will be
rated a B for all agencies. - Due Diligence Vendor-01/12/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7050424 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1116 | XXXX System Seller | Closed | 2026-01-06 15:49 | 2026-01-23 08:19 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Purchase, Audit reports Loan Purpose of Cash Out Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 6945133 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1117 | XXXX System Seller | Closed | 2026-02-23 10:49 | 2026-02-23 10:49 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7757848 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1117 | XXXX System Seller | Closed | 2026-01-07 10:08 | 2026-02-23 10:48 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.231%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.11%), which is the comparable average prime offer rate of (2.86%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.49%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitations, No Cure - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
NC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6960777 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1118 | XXXX System Seller | Closed | 2026-02-23 10:51 | 2026-02-23 10:51 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7757882 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1118 | XXXX System Seller | Closed | 2026-01-13 09:22 | 2026-02-23 10:50 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.396%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.99%), which is the comparable average prime offer rate of (2.74%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.49%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure. - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/13/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7062156 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1118 | XXXX System Seller | Closed | 2026-01-13 09:50 | 2026-01-23 08:19 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7063033 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1119 | XXXX System Seller | Closed | 2026-02-23 10:57 | 2026-02-23 10:57 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7757983 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1119 | XXXX System Seller | Closed | 2026-01-05 14:06 | 2026-02-23 10:57 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Open-The loan's (6.295%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.82%), which is the comparable average prime offer rate of (3.57%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.49%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6920768 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1120 | XXXX System Seller | Closed | 2026-02-23 10:59 | 2026-02-23 10:59 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7758022 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1120 | XXXX System Seller | Closed | 2026-01-18 15:35 | 2026-02-23 10:59 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.186%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.375%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/18/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7156845 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1120 | XXXX System Seller | Closed | 2026-01-14 08:03 | 2026-01-23 08:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7083861 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1121 | XXXX System Seller | Closed | 2026-02-23 11:01 | 2026-02-23 11:01 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758082 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1121 | XXXX System Seller | Closed | 2026-01-14 08:08 | 2026-02-23 11:01 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.205%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.375%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7083966 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1121 | XXXX System Seller | Closed | 2026-01-14 08:19 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 78.61% exceeds Guideline HCLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/14/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
789 15+Years on Job Residual Income |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7084140 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1121 | XXXX System Seller | Closed | 2026-01-14 08:19 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 78.61% exceeds Guideline LTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/14/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
789 15+Years on Job Residual Income |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7084141 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1121 | XXXX System Seller | Closed | 2026-01-14 08:19 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 78.61% exceeds Guideline CLTV of 75% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors - Due Diligence Vendor-01/14/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO
789 15+Years on Job Residual Income |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7084139 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1121 | XXXX System Seller | Closed | 2026-01-19 12:10 | 2026-01-23 07:09 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared. - Due Diligence Vendor-01/23/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/22/2026 Open-Universal Loan Identifier (ULI) Discrepancy Added Finding Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared. - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167661 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1122 | XXXX System Seller | Closed | 2026-02-23 11:03 | 2026-02-23 11:03 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758111 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1122 | XXXX System Seller | Closed | 2026-01-13 17:41 | 2026-02-23 11:03 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.0%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.99%), which is the comparable average prime offer rate of (2.74%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7075768 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1122 | XXXX System Seller | Closed | 2026-01-13 17:55 | 2026-02-02 07:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7075862 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1123 | XXXX System Seller | Closed | 2026-02-23 11:05 | 2026-02-23 11:05 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Purchase | NA | 7758149 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1123 | XXXX System Seller | Closed | 2026-01-18 09:11 | 2026-02-23 11:05 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.03%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.02%), which is the comparable average prime offer rate of (2.77%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/18/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Purchase | NA | 7156198 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1123 | XXXX System Seller | Closed | 2026-01-12 16:31 | 2026-02-02 07:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Purchase | NA | 7051131 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1123 | XXXX System Seller | Closed | 2026-01-12 16:16 | 2026-01-20 12:41 | Acknowledged | 2 - Non-Material | Compliance | Fees:Limited | Washington - Discount Points | Acknowledged-The
Washington Administrative Code requires the discount points actually lower
the rate. The note rate (2.25%) is not lower than the undiscounted rate
(0.0%). WAC 208-620-555(3)(e). Undiscounted rate was not provided. The finding is outside the statute of
limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/12/2026 Open- - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/12/2026 |
Acknowledged-The
Washington Administrative Code requires the discount points actually lower
the rate. The note rate (2.25%) is not lower than the undiscounted rate
(0.0%). WAC 208-620-555(3)(e). Undiscounted rate was not provided. The finding is outside the statute of
limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/12/2026 |
WA | Primary Residence | Purchase | NA | 7050950 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1123 | XXXX System Seller | Closed | 2026-01-18 09:32 | 2026-01-18 09:35 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Delivery of Appraisal/Valuation to Applicant Not Timely | Acknowledged-ECOA Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/18/2026 | Acknowledged-ECOA
Non-Compliant: Delivery of Appraisal/Valuation to Applicant Not Timely This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-01/18/2026 |
WA | Primary Residence | Purchase | NA | 7156240 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1124 | XXXX System Seller | Closed | 2026-02-23 11:07 | 2026-02-23 11:07 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7758187 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1124 | XXXX System Seller | Closed | 2026-01-13 12:32 | 2026-02-23 11:07 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.021%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/13/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7070374 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1124 | XXXX System Seller | Closed | 2026-01-13 12:57 | 2026-02-02 07:33 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7071100 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1125 | XXXX System Seller | Closed | 2026-02-23 11:09 | 2026-02-23 11:09 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758233 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1125 | XXXX System Seller | Closed | 2026-01-13 17:46 | 2026-02-23 11:09 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.993%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure. - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/13/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7075809 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1125 | XXXX System Seller | Closed | 2026-01-13 18:23 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXX, To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7076325 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1126 | XXXX System Seller | Closed | 2026-02-23 11:11 | 2026-02-23 11:11 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758277 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1126 | XXXX System Seller | Closed | 2026-01-06 09:42 | 2026-02-23 11:10 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.938%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.35%), which is the comparable average prime offer rate of (3.1%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. No Statute of Limitations, No Cure - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
SC | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6934094 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1127 | XXXX System Seller | Closed | 2026-02-23 11:15 | 2026-02-23 11:15 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CO | Primary Residence | Purchase | NA | 7758371 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1127 | XXXX System Seller | Closed | 2026-01-20 13:51 | 2026-02-23 09:13 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-QM
designation changed to NQM - condition cleared - Due Diligence
Vendor-02/23/2026 Counter-QM Status - Under BAML review - Due Diligence Vendor-02/02/2026 Ready for Review-Lender Report shows a QM pass - Due Diligence Vendor-02/02/2026 Open-The loan's (6.022%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No statute of Limitations. No Cure. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Resolved-QM
designation changed to NQM - condition cleared - Due Diligence
Vendor-02/23/2026 |
XXXXXXX_1.pdf | CO | Primary Residence | Purchase | NA | 7186280 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1127 | XXXX System Seller | Closed | 2026-01-15 11:16 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Lender Exception - Under XXXX Review - Due Diligence Vendor-02/02/2026 Ready for Review-approved exception within file for exceeding DTI threshold - Due Diligence Vendor-02/02/2026 Open-Audited DTI of 44.61% exceeds Guideline DTI of 43% Guidelines allow a maximum DTI of 43%. The audited DTI of 44.61% exceeds the maximum. Lender provided approved exception dated prior to consummation with compensating factors. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Fico score 66 points over minimum required, Low LTV of 58.90%, Length of residence 3 years, Length of employment > 8 years, Clean credit history with no derogatory accounts, $XX,XXX.XX reserves after closing, IRA account verified, but not needed to qualify. | CO | Primary Residence | Purchase | NA | 7114785 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1127 | XXXX System Seller | Closed | 2026-01-15 10:46 | 2026-01-27 08:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared. - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agreed with audit - condition cleared. - Due Diligence Vendor-01/27/2026 |
CO | Primary Residence | Purchase | NA | 7114200 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1127 | XXXX System Seller | Seller | 2026-01-15 07:06 | 2026-02-27 15:30 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Counter-Lender exception - Under XXXX review - Due Diligence Vendor-02/02/2026 Ready for Review-exception approval within file for exceeding DTI threshold - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Guidelines allow a maximum DTI of 43%. The audited DTI of 44.61% exceeds the maximum. Lender provided approved exception dated prior to consummation with compensating factors. - Due Diligence Vendor-01/15/2026 |
CO | Primary Residence | Purchase | NA | 7107049 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1128 | XXXX System Seller | Closed | 2026-01-19 14:55 | 2026-01-27 08:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170166 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1128 | XXXX System Seller | Closed | 2026-01-19 14:55 | 2026-01-27 08:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $X,XXX.XX, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170165 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1128 | XXXX System Seller | Closed | 2026-01-19 14:15 | 2026-01-21 10:43 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXX XXXXX (NMLS ID: XXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between Heather Payne (NMLS ID: XXXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/19/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169674 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1129 | XXXX System Seller | Closed | 2026-02-23 11:17 | 2026-02-23 11:17 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758482 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1129 | XXXX System Seller | Closed | 2026-01-18 07:57 | 2026-02-23 11:17 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.096%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure. - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/18/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7156099 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1129 | XXXX System Seller | Closed | 2026-01-18 08:32 | 2026-02-02 07:33 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/18/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7156151 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-02-23 11:20 | 2026-02-23 11:20 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7758612 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-01-13 12:50 | 2026-02-23 11:19 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.007%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/13/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7070885 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-01-13 13:42 | 2026-02-02 07:34 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7072223 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-01-13 12:50 | 2026-01-19 13:32 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. This finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/13/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. This finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/13/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7070876 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-01-13 12:50 | 2026-01-19 13:32 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. This finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/13/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. This finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/13/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7070884 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-01-13 12:50 | 2026-01-19 13:31 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $100 below the actual finance charge.
(12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the
statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/13/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/13/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the
statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/13/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7070877 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1130 | XXXX System Seller | Closed | 2026-01-13 11:12 | 2026-01-13 11:12 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/13/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/13/2026 |
IA | Primary Residence | Refinance | Cash Out - Other | 7066376 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1131 | XXXX System Seller | Closed | 2026-02-23 11:22 | 2026-02-23 11:22 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758693 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1131 | XXXX System Seller | Closed | 2026-01-15 11:12 | 2026-02-23 11:21 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-01/16/2026 Open-The loan's (6.018%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/15/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7114721 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1131 | XXXX System Seller | Closed | 2026-01-15 13:21 | 2026-02-02 07:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7117776 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1132 | XXXX System Seller | Closed | 2026-02-23 11:24 | 2026-02-23 11:24 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758791 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1132 | XXXX System Seller | Closed | 2026-01-19 11:09 | 2026-02-23 11:23 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.091%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.99%), which is the comparable average prime offer rate of (2.74%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No statute of limitations. No cure. - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/19/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7166668 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1132 | XXXX System Seller | Closed | 2026-01-19 11:28 | 2026-01-27 08:54 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7166975 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1132 | XXXX System Seller | Closed | 2026-01-19 11:09 | 2026-01-21 10:44 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
X/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/19/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7166669 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1132 | XXXX System Seller | Closed | 2026-01-19 11:23 | 2026-01-21 10:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The appraisal was provided to the borrower on XX/XX/XXXX. However, the appraisal was not signed by the appraiser until XX/XX/XXXX. The appraisal is not considered complete until the appraiser signs the report and should not be provided to borrower until after it is signed. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/19/2026 | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The
appraisal was provided to the borrower on XX/XX/XXXX. However, the appraisal
was not signed by the appraiser until XX/XX/XXXX. The appraisal is not
considered complete until the appraiser signs the report and should not be
provided to borrower until after it is signed. This finding is non-material and will be
rated a B for all agencies - Due Diligence Vendor-01/19/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7166923 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1133 | XXXX System Seller | Closed | 2026-02-23 11:26 | 2026-02-23 11:26 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758834 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1133 | XXXX System Seller | Closed | 2026-01-16 19:09 | 2026-02-23 11:26 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (6.039%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure. - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151621 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1133 | XXXX System Seller | Closed | 2026-01-16 18:31 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $30684.13 is less than Total Required Reserve Amount of $35478.18 Guidelines require 6 months PITIA Reserves, which calculate to $35,478.18. Verified assets of $30,684.13 is insufficient to satisfy the requirement. Reserves are short $4,794.05. - Due Diligence Vendor-01/17/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151286 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1133 | XXXX System Seller | Closed | 2026-01-16 19:17 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 5.19 month(s) are less than Guideline Required Reserves of 6 month(s) Guidelines require 6 months PITIA Reserves, which calculate to $35,478.18. Verified assets of $30,684.13 is insufficient to satisfy the requirement. Reserves are short $4,794.05. - Due Diligence Vendor-01/17/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151695 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1133 | XXXX System Seller | Closed | 2026-01-14 21:54 | 2026-02-02 07:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7103105 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1134 | XXXX System Seller | Closed | 2026-02-23 11:28 | 2026-02-23 11:28 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 7758889 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1134 | XXXX System Seller | Closed | 2026-01-06 10:06 | 2026-02-23 11:28 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-No Statute of Limitations, No Cure - Due Diligence Vendor-01/16/2026 Open-The loan's (5.931%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.17%), which is the comparable average prime offer rate of (2.92%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/06/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CT | Primary Residence | Refinance | Cash Out - Other | 6934661 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1013 | XXXX System Seller | Closed | 2026-02-23 11:31 | 2026-02-23 11:31 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7758954 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1013 | XXXX System Seller | Closed | 2026-01-09 11:38 | 2026-02-23 11:30 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.736%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7011157 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1013 | XXXX System Seller | Closed | 2026-01-09 12:19 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 45.29% exceeds Guideline DTI of 45% Audit DTI is 45.29% and the Max DTI is 45.00% per the matrix. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/09/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
$XX,XXX.XX residual income. $206,190 reserves, 38 months. 797 score. Borrower has been with employer for over 4 years while also living at current residence for over 4 years. Very stable income and occupancy. | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7011926 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1013 | XXXX System Seller | Closed | 2026-01-09 08:48 | 2026-01-16 07:29 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7004806 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-02-23 11:33 | 2026-02-23 11:33 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759006 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-24 09:18 | 2026-02-23 11:33 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.816%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7282756 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-14 17:39 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Shortfall | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXXX.XX Hazard Insurance Coverage Amount of $XXXXXX is less than the required coverage amount of $X,XXX,XXX.XX for the Total Estimated Cost New - Due Diligence Vendor-01/14/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7099703 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-14 16:17 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Tax Returns Not Signed - Due Diligence Vendor-01/14/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7095880 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-14 16:17 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-01/14/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7095879 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-14 16:17 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/14/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7095878 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-14 18:00 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 51.52% exceeds Guideline DTI of 43% Audit reflects difference in net rental income per documents in the loan file. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7100175 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1135 | XXXX System Seller | Closed | 2026-01-14 18:05 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7100254 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1136 | XXXX System Seller | Closed | 2026-02-23 11:35 | 2026-02-23 11:35 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7759044 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1136 | XXXX System Seller | Closed | 2026-01-19 14:58 | 2026-02-23 11:35 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open- - Due Diligence Vendor-01/24/2026 Open- - Due Diligence Vendor-01/24/2026 Open-The loan's (5.898%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/23/2026 Open- - Due Diligence Vendor-01/19/2026 |
|
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7170194 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1136 | XXXX System Seller | Closed | 2026-01-19 10:30 | 2026-02-16 13:04 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-TWN
used in liew of Paystub - condition cleared - Due Diligence Vendor-02/16/2026
Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/16/2026 Ready for Review-Full VOE used for income in lieu of paystubs - Due Diligence Vendor-02/13/2026 Open-Borrower 2 Paystubs Missing Provide 1 month paystub for borrower 2. - Due Diligence Vendor-01/19/2026 |
|
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7166074 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1136 | XXXX System Seller | Closed | 2026-01-19 16:00 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXX, Audit ULI not located in file. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7170864 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1137 | XXXX System Seller | Closed | 2026-02-23 11:37 | 2026-02-23 11:37 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7759092 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1137 | XXXX System Seller | Closed | 2026-01-19 09:57 | 2026-02-23 11:37 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.915%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation. No Cure. - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7165603 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1137 | XXXX System Seller | Closed | 2026-01-19 10:58 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7166495 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1137 | XXXX System Seller | Closed | 2026-01-19 09:57 | 2026-01-22 14:39 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXXX XXXXX (NMLS ID: XXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. NMLD
and name matches NMLS, however LO usually is associated XXXXXX XXXXXXX
XXXXXXXXXXXX, however XXXX XXXX XXXX is associated with XXXXXX XXXXXXXX
XXXXXXXXXX - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXXXXX XXXXX (NMLS ID: XXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. NMLD
and name matches NMLS, however LO usually is associated XXXXX XXXXXXXX
XXXXXXXXXXX, however XXXX XXXX is associated with XXXXXX XXXXXXXX XXXXXXXXXXX
- Due Diligence Vendor-01/19/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7165604 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1138 | XXXX System Seller | Closed | 2026-02-23 11:39 | 2026-02-23 11:39 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759136 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1138 | XXXX System Seller | Closed | 2026-01-19 08:06 | 2026-02-23 11:39 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.896%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure. - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7163428 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1139 | XXXX System Seller | Closed | 2026-02-23 11:41 | 2026-02-23 11:41 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759159 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1139 | XXXX System Seller | Closed | 2026-01-14 13:55 | 2026-02-23 11:41 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.823%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7093218 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1139 | XXXX System Seller | Closed | 2026-01-14 15:27 | 2026-02-02 07:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. XXXXXXXXXXXXXXXXXXXXXXX - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
MI | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7095208 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1140 | XXXX System Seller | Closed | 2026-02-23 11:43 | 2026-02-23 11:43 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759210 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1140 | XXXX System Seller | Closed | 2026-01-18 10:12 | 2026-02-23 11:43 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.865%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No statute of limitation, no cure. - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/18/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7156284 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1140 | XXXX System Seller | Closed | 2026-01-16 15:59 | 2026-02-02 07:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy XXXXXXXXXXXXXXXXXXX Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7146174 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1140 | XXXX System Seller | Closed | 2026-01-16 14:35 | 2026-01-16 14:35 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7144614 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1141 | XXXX System Seller | Closed | 2026-02-23 11:46 | 2026-02-23 11:46 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759274 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1141 | XXXX System Seller | Closed | 2026-01-14 12:17 | 2026-02-23 11:45 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.817%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7091034 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1141 | XXXX System Seller | Closed | 2026-01-19 09:43 | 2026-02-02 07:37 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Added Finding Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
TN | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7165412 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1142 | XXXX System Seller | Closed | 2026-02-23 11:48 | 2026-02-23 11:48 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759324 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1142 | XXXX System Seller | Closed | 2026-01-15 07:49 | 2026-02-23 11:47 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.843%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitations. No Cure. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7107660 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1142 | XXXX System Seller | Closed | 2026-01-15 08:46 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 46.01% exceeds Guideline DTI of 43% Guidelines allow a maximum DTI of 43%. The audited DTI of 46.01% exceeded the maximum 43%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Low LTV, Credit Score, Residual income and Excess Reserves. | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7108782 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1142 | XXXX System Seller | Closed | 2026-01-15 08:59 | 2026-02-02 07:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7109074 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-02-23 11:50 | 2026-02-23 11:50 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759374 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-25 09:37 | 2026-02-23 11:49 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.882%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure. - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/25/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7284188 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-16 15:53 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Borrower 2 Tax Returns Not Signed | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Tax Returns Not Signed - Due Diligence Vendor-01/16/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7146123 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-16 15:53 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Tax Returns Not Signed - Due Diligence Vendor-01/16/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7146122 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-16 18:01 | 2026-02-18 09:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lenders
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $XXXX.XX, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lenders
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151186 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-16 18:01 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151188 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-25 09:37 | 2026-01-26 16:46 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Tolerance: Disclosure | Acknowledged-Prior
CD4 sent on (XX/XX/XXXX) was received at least 3 business days before
closing. The Last CD (3.044%) is inaccurate compared to the Prior CD4
(2.718%) APR. The Last CD sent on (XX/XX/XXXX), Prior CD1 sent on
(XX/XX/XXXX), Prior CD2 sent on (XX/XX/XXXX), and Prior CD3 sent on
(XX/XX/XXXX) were not received at least 3 business days before closing. If
the APR is inaccurate, a consumer must receive a corrected CD no later than
(XX/XX/XXXX), which is 3 business days before the (XX/XX/XXXX) Consummation
Date. If a corrected CD is not provided in person, a consumer is deemed to
have received it 3 business days after it is mailed or delivered, unless
there is evidence of earlier receipt. The APR on the CD received at closing
must be accurate when compared to the APR on the CD received at least 3
business days before closing and the actual APR. (12 CFR
1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/25/2026 |
Acknowledged-Prior
CD4 sent on (XX/XX/XXXX) was received at least 3 business days before
closing. The Last CD (3.044%) is inaccurate compared to the Prior CD4
(2.718%) APR. The Last CD sent on (XX/XX/XXXX), Prior CD1 sent on
(XX/XX/XXXX), Prior CD2 sent on (XX/XX/XXXX), and Prior CD3 sent on
(XX/XX/XXXX) were not received at least 3 business days before closing. If
the APR is inaccurate, a consumer must receive a corrected CD no later than
(XX/XX/XXXX), which is 3 business days before the (XX/XX/XXXX) Consummation
Date. If a corrected CD is not provided in person, a consumer is deemed to
have received it 3 business days after it is mailed or delivered, unless
there is evidence of earlier receipt. The APR on the CD received at closing
must be accurate when compared to the APR on the CD received at least 3
business days before closing and the actual APR. (12 CFR
1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) The finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7284186 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1143 | XXXX System Seller | Closed | 2026-01-16 17:44 | 2026-01-26 16:45 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/16/2026 Open- - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/16/2026 |
Acknowledged-A
relationship between XXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/16/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151118 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1144 | XXXX System Seller | Closed | 2026-02-23 11:52 | 2026-02-23 11:52 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759424 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1144 | XXXX System Seller | Closed | 2026-01-14 18:21 | 2026-02-23 11:51 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.808%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitations, and no Cure. - Due Diligence Vendor-01/15/2026 Open- - Due Diligence Vendor-01/15/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7100471 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1144 | XXXX System Seller | Closed | 2026-01-14 18:30 | 2026-02-02 07:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7100518 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1144 | XXXX System Seller | Closed | 2026-01-15 07:42 | 2026-01-27 14:44 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/15/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7107563 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1145 | XXXX System Seller | Closed | 2026-02-23 11:54 | 2026-02-23 11:54 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759457 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1145 | XXXX System Seller | Closed | 2026-01-15 18:51 | 2026-02-23 11:53 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.845%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.96%), which is the comparable average prime offer rate of (2.71%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7126613 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1145 | XXXX System Seller | Closed | 2026-01-15 19:01 | 2026-02-02 07:39 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7126664 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1146 | XXXX System Seller | Closed | 2026-02-23 11:56 | 2026-02-23 11:56 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7759502 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1146 | XXXX System Seller | Closed | 2026-01-14 12:34 | 2026-02-23 11:55 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.836%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.97%), which is the comparable average prime offer rate of (2.72%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of Limitation, No Cure - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7091406 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1146 | XXXX System Seller | Closed | 2026-01-14 13:50 | 2026-02-02 07:39 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7093133 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1147 | XXXX System Seller | Closed | 2026-02-23 11:58 | 2026-02-23 11:58 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759535 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1147 | XXXX System Seller | Closed | 2026-01-16 19:25 | 2026-02-23 11:57 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.87%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151765 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1147 | XXXX System Seller | Closed | 2026-01-16 19:37 | 2026-02-02 07:40 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151817 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1148 | XXXX System Seller | Closed | 2026-02-23 12:00 | 2026-02-23 12:00 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759598 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1148 | XXXX System Seller | Closed | 2026-01-17 14:16 | 2026-02-23 12:00 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.882%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (4.98%), which is the comparable average prime offer rate of (2.73%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($X,XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (4.125%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) Since the interest rate changes within the first five years after the first regular periodic payment, the audit used the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan for testing. No Statute of Limitation, No Cure. - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/17/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7154617 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1148 | XXXX System Seller | Closed | 2026-01-17 14:29 | 2026-01-27 08:55 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7154650 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1148 | XXXX System Seller | Closed | 2026-01-17 14:29 | 2026-01-27 08:54 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Purchase. Audit reports Loan Purpose of Rate Term Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7154649 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1148 | XXXX System Seller | Closed | 2026-01-17 14:16 | 2026-01-21 10:45 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/17/2026 |
Acknowledged-A
relationship between XXXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/17/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7154618 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1149 | XXXX System Seller | Closed | 2026-01-16 11:44 | 2026-02-02 07:41 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7141462 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1149 | XXXX System Seller | Closed | 2026-01-10 08:40 | 2026-02-02 07:40 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Rate/Term, Audit reports Loan Purpose of Cashout (cash to borrower > $2,000). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/10/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7023278 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1151 | XXXX System Seller | Closed | 2026-02-23 12:03 | 2026-02-23 12:03 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/23/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7759662 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1151 | XXXX System Seller | Closed | 2026-01-07 12:36 | 2026-02-23 12:02 | Resolved | 1 - Information | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (First Lien) | Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 Open-The loan's (5.48%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (5.04%), which is the comparable average prime offer rate of (2.79%) plus 2.25. The System used the following date to perform the APOR index lookup (XX/XX/XXXX). The system added 2.25 to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XXX,XXX.XX). The system used an interest rate of (3.99%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(A)) No Statute of limitations, and no Cure - Due Diligence Vendor-01/07/2026 Open- - Due Diligence Vendor-01/07/2026 |
Resolved-Client
acknowledges this loan does not meet QM requirements. QM status changed to
Non-QM. - Due Diligence Vendor-02/23/2026 Resolved-QM designation changed to NQM - condition cleared - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6965578 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1152 | XXXX System Seller | Closed | 2026-01-19 08:32 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 YTD Profit & Loss Missing Guidelines require a Year to Date Profit and Loss Statement for Jumbo Self-Employed borrowers. No P&L in file. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Sufficient assets and reserves, significant tenure in business with a track record that supports income over $XX,XXX.XX in residual income, credit score, time in current residence, low DTI, Low LTV. | IL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7163895 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1152 | XXXX System Seller | Closed | 2026-01-19 08:32 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7163891 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1152 | XXXX System Seller | Closed | 2026-01-19 08:32 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Balance Sheet Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Balance Sheet Missing Guidelines require a Balance Sheet for Self Employed, Jumbo loans. No Balance Sheet in file. Lender provided approved exception dated prior to consummation. - Due Diligence Vendor-01/19/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Sufficient assets and reserves, significant tenure in business with a track record that supports income over $XX,XXX.XX in residual income, credit score, time in current residence, low DTI, Low LTV. | IL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7163892 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1152 | XXXX System Seller | Closed | 2026-01-27 09:40 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Business Tax Returns Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Business Tax Returns Missing Guidelines require the most recent 2 years business tax returns for self-employed borrowers. No business taxes in file. Lender provided approved exception dated prior to consummation. However, the Guidelines state Business tax returns may not be waived. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Sufficient assets and reserves, significant tenure in business with a track record that supports income over $XX,XXX.XX in residual income, credit score, time in current residence, low DTI, Low LTV. | IL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7311764 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1152 | XXXX System Seller | Closed | 2026-01-27 10:04 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
IL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7312714 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1153 | XXXX System Seller | Closed | 2026-01-15 20:29 | 2026-02-02 07:41 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7128058 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-23 18:20 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/24/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Purchase | NA | 7281633 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-24 12:14 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7283031 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-24 12:14 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7283035 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-24 12:14 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7283036 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-24 12:14 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7283033 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-24 12:14 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7283037 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1154 | XXXX System Seller | Closed | 2026-01-24 12:14 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7283034 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 07:59 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
WV | Primary Residence | Purchase | NA | 7309595 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 07:58 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
WV | Primary Residence | Purchase | NA | 7309594 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 08:46 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verification of employment dated within 10 business days of note date, as required by guidelines. The verification in file is dated XX/XX/XXXX which is > 10 days from XX/XX/XXXX. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
WV | Primary Residence | Purchase | NA | 7310464 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 11:29 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of NA, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
WV | Primary Residence | Purchase | NA | 7315293 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 11:29 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $1050. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WV | Primary Residence | Purchase | NA | 7315299 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 11:29 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WV | Primary Residence | Purchase | NA | 7315298 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 11:29 | 2026-01-28 10:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Zip Code Discrepancy | Resolved-Property
Zip Code Discrepancy rectified - Due Diligence Vendor-01/28/2026 Open-Property Zip Code Discrepancy Lender Tape reports Property Zip Code of XXXXX Audit reports Property Zip Code of XXXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Property
Zip Code Discrepancy rectified - Due Diligence Vendor-01/28/2026 |
WV | Primary Residence | Purchase | NA | 7315296 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1155 | XXXX System Seller | Closed | 2026-01-27 09:09 | 2026-01-27 16:26 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: ARM Program Document is Missing or Incomplete | Acknowledged-ARM Disclosure is Missing or Incomplete The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-ARM
Disclosure is Missing or Incomplete The finding is outside the statute of
limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/27/2026 |
WV | Primary Residence | Purchase | NA | 7310971 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1156 | XXXX System Seller | Closed | 2026-01-23 17:25 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7281313 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1156 | XXXX System Seller | Closed | 2026-01-23 17:25 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7281316 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1156 | XXXX System Seller | Closed | 2026-01-23 17:25 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7281314 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1156 | XXXX System Seller | Closed | 2026-01-23 17:25 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7281315 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1156 | XXXX System Seller | Closed | 2026-01-23 17:18 | 2026-01-23 17:18 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7281101 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1156 | XXXX System Seller | Closed | 2026-01-23 16:20 | 2026-01-23 16:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7279936 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 07:58 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 W2/1099 Missing Provide a legible copy of the XXXX W2. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Purchase | NA | 7201384 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 07:58 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide a legible copy of the VVOE within 10-business days of note. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Purchase | NA | 7201383 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:48 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 70% Maximum LTV is 70% for 1-unit high-rise CONDO; however, it is a mid-rise, which doesn't have a reduction reflected. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO 808
> 740 Min 84 months reserves vs 12-month min DTI 28.36 < 43% Max |
IL | Primary Residence | Purchase | NA | 7207947 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:48 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 80% exceeds Guideline LTV of 70% Maximum LTV is 70% for 1-unit high-rise CONDO; however, it is a mid-rise, which doesn't have a reduction reflected. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO 808
> 740 Min 84 months reserves vs 12-month min DTI 28.36 < 43% Max |
IL | Primary Residence | Purchase | NA | 7207948 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:48 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 80% exceeds Guideline CLTV of 70% Maximum LTV is 70% for 1-unit high-rise CONDO; however, it is a mid-rise, which doesn't have a reduction reflected. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FICO 808
> 740 Min 84 months reserves vs 12-month min DTI 28.36 < 43% Max |
IL | Primary Residence | Purchase | NA | 7207946 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:54 | 2026-02-18 09:20 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Units Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 Open-Total Units Discrepancy Lender Tape reports Units of 3, Audit reports Units of 1. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 |
IL | Primary Residence | Purchase | NA | 7209103 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:54 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
IL | Primary Residence | Purchase | NA | 7209101 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:54 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
IL | Primary Residence | Purchase | NA | 7209104 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:54 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
IL | Primary Residence | Purchase | NA | 7209105 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:54 | 2026-02-11 10:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Lender Credits Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
IL | Primary Residence | Purchase | NA | 7209106 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 10:54 | 2026-02-09 16:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX (PP), Audit reports Property Value of $XXX,XXX (value). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
IL | Primary Residence | Purchase | NA | 7209102 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-26 16:51 | 2026-02-09 16:33 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-ULI
source doc provided. - Due Diligence Vendor-02/09/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-ULI
source doc provided. - Due Diligence Vendor-02/09/2026 |
IL | Primary Residence | Purchase | NA | 7304316 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1157 | XXXX System Seller | Closed | 2026-01-21 07:25 | 2026-01-26 16:50 | Acknowledged | 2 - Non-Material | Compliance | Closing | Loan Originator NMLS Status is Not Active | Acknowledged-Loan Originator NMLS Status is Not Active Per NMLS consumer access, he did work for XXXX XXXX from XX/XXXX to XX/XXXX but was not licensed specifically in Illinois. - Due Diligence Vendor-01/21/2026 | Acknowledged-Loan
Originator NMLS Status is Not Active Per NMLS consumer access, he did work
for XXXX XXXX from XX/XXXX to XX/XXXX but was not licensed specifically in
Illinois. - Due Diligence Vendor-01/21/2026 |
IL | Primary Residence | Purchase | NA | 7200718 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1158 | XXXX System Seller | Closed | 2026-01-26 16:51 | 2026-02-18 09:34 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7304319 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1158 | XXXX System Seller | Closed | 2026-01-22 23:58 | 2026-02-10 07:29 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7261743 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1158 | XXXX System Seller | Closed | 2026-01-22 23:58 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7261745 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1158 | XXXX System Seller | Closed | 2026-01-22 23:58 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports blank NMLSR, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7261742 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1158 | XXXX System Seller | Closed | 2026-01-22 23:58 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of -$X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7261746 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1158 | XXXX System Seller | Closed | 2026-01-22 23:58 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7261744 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1159 | XXXX System Seller | Closed | 2026-01-24 18:16 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
ME | Second Home | Purchase | NA | 7283355 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1159 | XXXX System Seller | Closed | 2026-01-24 18:16 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
ME | Second Home | Purchase | NA | 7283359 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1159 | XXXX System Seller | Closed | 2026-01-24 18:16 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. 209444 - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
ME | Second Home | Purchase | NA | 7283356 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1159 | XXXX System Seller | Closed | 2026-01-24 18:16 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
ME | Second Home | Purchase | NA | 7283358 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1159 | XXXX System Seller | Closed | 2026-01-23 16:13 | 2026-01-26 08:11 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 | Acknowledged-Privacy
Notice Required - Missing or Incomplete. This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/23/2026 |
ME | Second Home | Purchase | NA | 7279675 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1160 | XXXX System Seller | Closed | 2026-01-23 11:31 | 2026-02-18 09:34 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003 used to source the ULI is missing. The ULI is missing. ULI is required after XX/XX/XXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
NC | Primary Residence | Purchase | NA | 7273744 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1160 | XXXX System Seller | Closed | 2026-01-21 23:13 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Purchase | NA | 7234711 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1160 | XXXX System Seller | Closed | 2026-01-21 23:13 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Purchase | NA | 7234712 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1160 | XXXX System Seller | Closed | 2026-01-21 23:13 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR is missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Purchase | NA | 7234708 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1160 | XXXX System Seller | Closed | 2026-01-21 23:13 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NC | Primary Residence | Purchase | NA | 7234710 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1161 | XXXX System Seller | Closed | 2026-01-21 15:34 | 2026-02-18 09:35 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
PA | Primary Residence | Purchase | NA | 7226004 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1161 | XXXX System Seller | Closed | 2026-01-20 15:27 | 2026-01-27 08:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
PA | Primary Residence | Purchase | NA | 7188341 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1161 | XXXX System Seller | Closed | 2026-01-20 15:27 | 2026-01-27 08:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
PA | Primary Residence | Purchase | NA | 7188340 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1161 | XXXX System Seller | Closed | 2026-01-20 15:27 | 2026-01-27 08:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
PA | Primary Residence | Purchase | NA | 7188339 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1161 | XXXX System Seller | Closed | 2026-01-20 15:27 | 2026-01-27 08:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
PA | Primary Residence | Purchase | NA | 7188338 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1162 | XXXX System Seller | Closed | 2026-01-26 08:15 | 2026-02-18 09:35 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Purchase | NA | 7292853 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1162 | XXXX System Seller | Closed | 2026-01-21 12:43 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7219750 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1162 | XXXX System Seller | Closed | 2026-01-21 12:43 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7219751 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1162 | XXXX System Seller | Closed | 2026-01-21 12:43 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7219748 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1162 | XXXX System Seller | Closed | 2026-01-21 12:43 | 2026-01-28 14:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7219749 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-02-26 09:35 | 2026-02-26 09:35 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - - Due Diligence Vendor-02/26/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - - Due Diligence Vendor-02/26/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7822764 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 10:46 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a verbal verification of employment within 10 business days of the Note date. The VVOE in file was dated XX/XX/XXXX, which was greater than 10 business days of the Note date XX/XX/XXXX. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7207698 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 10:46 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require Verbal Verification of Employment to be within 35 calendar days of the Note date for self-employed borrowers. The VOE in file was dated XX/XX/XXXX, which was 5 months after closing. The third-party business search in file was not dated. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7207697 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 13:54 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 43.59% exceeds Guideline DTI of 43% Guidelines allow a maximum DTI of 43%. Audit DTI 43.59%. Lender did not include HOA for both rental properties - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7222859 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-23 13:24 | 2026-02-18 09:36 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003 used to source the ULI is missing. Lender Tape reports ULI as missing, Audit reports ULI of missing. ULI is required on loan applications dated XX/XX/XXXX. To clear this exception please agree with audit figures or provide satisfactory ULI information. - Due Diligence Vendor-01/23/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7276678 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 14:03 | 2026-02-10 07:29 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7223078 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 14:03 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7223080 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 14:03 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of NA, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7223077 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 14:03 | 2026-01-28 15:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7223081 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Closed | 2026-01-21 14:03 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7223079 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1163 | XXXX System Seller | Seller | 2026-01-23 13:41 | 2026-02-27 17:00 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Guidelines allow a maximum DTI of 43%. Audit DTI 43.59%. Lender did not include HOA for both rental properties - Due Diligence Vendor-01/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7277013 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 14:45 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Letter of explanation in file states the borrower owns XXXX XXXX XX but no other information was provided - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7224218 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-26 16:53 | 2026-02-18 09:37 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7304344 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:57 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226646 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:57 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226647 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:57 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226644 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:57 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226648 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:57 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226645 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 14:55 | 2026-01-26 16:53 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete This finding is non-material and will
be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete This finding is non-material and will
be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7224710 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:40 | 2026-01-26 16:53 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($250.45) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/21/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226251 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1164 | XXXX System Seller | Closed | 2026-01-21 15:40 | 2026-01-26 16:52 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($250.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/21/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7226250 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-02-26 09:21 | 2026-02-26 09:21 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/26/2026 | Acknowledged-The
lender changed the originator qualified mortgage designation from QM to Non
QM. Client acknowledges this loan does not meet QM requirements. QM status
changed to Non-QM. - Due Diligence Vendor-02/26/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7822420 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:12 | 2026-02-26 09:19 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 44.75% exceeds Guideline DTI of 43% Per guidelines, the maximum DTI is 43%. No approved exception is in-file. Note that audit didn't use the income from XXXXXXXXXX XXXXXX XXXXXXXXXXX, as the XXXX K-1 is marked as final. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318150 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 12:57 | 2026-02-02 12:18 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-E-Consent documentation is missing for borrower(s). Provide confirmation of the borrower's e-consent (documents were signed XX/XX/XXXX). - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7316968 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:16 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318220 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:16 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318223 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:16 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318221 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:16 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318222 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 12:57 | 2026-01-27 16:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA: CHARM Booklet is Missing or Incomplete Provide a legible copy of documentation confirming the CHARM booklet was provided to the borrower within 3-business days of initial application. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete Provide a legible copy of
documentation confirming the CHARM booklet was provided to the borrower
within 3-business days of initial application. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7316966 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:12 | 2026-01-27 16:31 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. Provide confirmation the appraisal disclosure was provided to the borrower within 3-business days of the initial application. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Missing or Incomplete. Provide
confirmation the appraisal disclosure was provided to the borrower within
3-business days of the initial application.
This finding is non-material and will be rated a B for all agencies. -
Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318151 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1002 | XXXX System Seller | Closed | 2026-01-27 14:12 | 2026-01-27 16:31 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide confirmation of when/how the appraisal was provided to the borrower. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal present; no evidence appraisal was provided to
applicant. Provide confirmation of when/how the appraisal was provided to the
borrower. This finding is non-material
and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7318152 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 11:29 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Please provide verification of identity. Condition retained - Due Diligence Vendor-01/27/2026 Ready for Review-Borrower identity was confirmed at closing. Please clear. - Due Diligence Vendor-01/26/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7213733 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 11:29 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Please provide documentation verifying identity - condition retained - Due Diligence Vendor-01/27/2026 Ready for Review-Borrower identity was confirmed at closing. Please clear. - Due Diligence Vendor-01/26/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7213734 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 13:24 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited FICO of 696 is less than Guideline FICO of 700 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/21/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
Low LTV:
61%/ Owned home 10 years/ Same job 16 Years and 12 years Consolidating and closing out High Interest revolving debt saving $816.43/month. |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7221383 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 13:28 | 2026-01-27 09:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7221459 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 13:28 | 2026-01-27 09:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7221458 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 13:28 | 2026-01-27 09:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7221457 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1165 | XXXX System Seller | Closed | 2026-01-21 13:28 | 2026-01-27 09:00 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 7221456 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 12:18 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report The file is missing a third-party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings. Please provide Fraud Report with OFAC search. Additional conditions may apply. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7184314 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-22 14:23 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Insurance | Hazard Insurance Shortfall | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7253434 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 12:37 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 W2/1099 Missing The Borrower's income is required to be documented with Appendix Q requirement. The loan file contains Verification of Employment. Copies of the Borrower's 2 years of W2s are required to fulfill guidelines and QM requirements. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7184671 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 12:37 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Paystubs Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Paystubs Missing The Borrower's income is required to be documented with Appendix Q requirement. The loan file contains Verification of Employment. Copies of the Borrower's paystub within 30 days are required to fulfill guidelines and QM requirements. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7184672 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 12:37 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 W2/1099 Missing The Borrower's income is required to be documented with Appendix Q requirement. The loan file contains Verification of Employment. Copies of the Borrower's 2 years of W2s are required to fulfill guidelines and QM requirements. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7184673 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 12:37 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Paystubs Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Paystubs Missing The Borrower's income is required to be documented with Appendix Q requirement. The loan file contains Verification of Employment. Copies of the Borrower's paystub within 30 days are required to fulfill guidelines and QM requirements. Additional Conditions may apply upon receipt of missing documentation. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7184670 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 14:43 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 3 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 3 Missing Lender's guidelines require 2 months' bank statements, 2 months' investor portfolio statements, 2 months' 401K or other retirement account statements, terms and conditions of withdrawal from 401K if Borrower < 59 1/2 years old and verification of the down payment for a purchase. The loan file is missing 2 months of bank statement for Asset 3 listed on final application. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7187480 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 14:43 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 5 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 5 Missing Lender's guidelines require 2 months' bank statements, 2 months' investor portfolio statements, 2 months' 401K or other retirement account statements, terms and conditions of withdrawal from 401K if Borrower < 59 1/2 years old and verification of the down payment for a purchase. The loan file is missing 2 months of bank statement for Asset 5 listed on final application. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7187482 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 14:43 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 4 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 4 Missing Lender's guidelines require 2 months' bank statements, 2 months' investor portfolio statements, 2 months' 401K or other retirement account statements, terms and conditions of withdrawal from 401K if Borrower < 59 1/2 years old and verification of the down payment for a purchase. The loan file is missing 2 months of bank statement for Asset 4 listed on final application. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7187481 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 14:43 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 2 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 2 Missing Lender's guidelines require 2 months' bank statements, 2 months' investor portfolio statements, 2 months' 401K or other retirement account statements, terms and conditions of withdrawal from 401K if Borrower < 59 1/2 years old and verification of the down payment for a purchase. The loan file is missing 2 months of bank statement for Asset 2 listed on final application. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7187479 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 14:43 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 1 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 1 Missing Lender's guidelines require 2 months' bank statements, 2 months' investor portfolio statements, 2 months' 401K or other retirement account statements, terms and conditions of withdrawal from 401K if Borrower < 59 1/2 years old and verification of the down payment for a purchase. The loan file is missing 2 months of bank statement for Asset 1 listed on final application. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MA | Primary Residence | Purchase | NA | 7187478 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 15:34 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR is blank, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MA | Primary Residence | Purchase | NA | 7188435 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 15:34 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of 0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MA | Primary Residence | Purchase | NA | 7188437 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 15:34 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MA | Primary Residence | Purchase | NA | 7188438 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 15:34 | 2026-02-11 10:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Lender Credits Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MA | Primary Residence | Purchase | NA | 7188439 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 15:34 | 2026-02-09 16:42 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
MA | Primary Residence | Purchase | NA | 7188436 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-26 08:16 | 2026-02-09 16:40 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-ULI
source doc provided. - Due Diligence Vendor-02/09/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-ULI
source doc provided. - Due Diligence Vendor-02/09/2026 |
MA | Primary Residence | Purchase | NA | 7292865 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 14:49 | 2026-01-26 08:16 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Acknowledged-The
Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three
business days before the consummation date of (XX/XX/XXXX). Three business
days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a
consumer must receive the Initial Closing Disclosure reflecting the actual
terms of the transaction no later than three business days before
consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial
CD is missing from the loan file. Additional conditions may apply. No
Cure. The finding is outside the
statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-The
Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three
business days before the consummation date of (XX/XX/XXXX). Three business
days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a
consumer must receive the Initial Closing Disclosure reflecting the actual
terms of the transaction no later than three business days before
consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial
CD is missing from the loan file. Additional conditions may apply. No
Cure. The finding is outside the
statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7187628 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 13:00 | 2026-01-20 13:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Missing Homeownership Counseling Organizations Disclosure. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/20/2026 | Acknowledged-Homeownership
Counseling Organizations Disclosure Missing or Incomplete Missing
Homeownership Counseling Organizations Disclosure. This finding is outside the statute of
limitations and will be rated a B - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7185215 | Originator Pre-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Closed | 2026-01-20 13:00 | 2026-01-20 13:00 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete Missing CHARM Booklet. This finding is
outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/20/2026 |
Acknowledged-TILA:
CHARM Booklet is Missing or Incomplete Missing CHARM Booklet. This finding is
outside the statute of limitations and will be rated a B - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7185214 | Originator Pre-Close | No | ||||||
| XXXXX | OBX2026HYB1166 | XXXX System Seller | Seller | 2026-01-20 12:37 | 2026-02-27 15:30 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Open-ATR
Risk - Due Diligence Vendor-02/27/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing paystubs within 30 days, 2 years of W2s, and 2 months of bank statements. - Due Diligence Vendor-01/20/2026 |
MA | Primary Residence | Purchase | NA | 7184674 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1167 | XXXX System Seller | Closed | 2026-01-21 14:51 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Purchase | NA | 7224563 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1167 | XXXX System Seller | Closed | 2026-01-21 14:51 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $xxx.xx, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Purchase | NA | 7224566 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1167 | XXXX System Seller | Closed | 2026-01-21 14:51 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of missing, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Purchase | NA | 7224567 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1167 | XXXX System Seller | Closed | 2026-01-21 14:51 | 2026-02-11 10:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Lender Credits Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $xxx.xx, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
NJ | Primary Residence | Purchase | NA | 7224568 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1167 | XXXX System Seller | Closed | 2026-01-21 14:51 | 2026-02-09 16:46 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX.XX, Audit reports Property Value of $XXXXXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
NJ | Primary Residence | Purchase | NA | 7224565 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1167 | XXXX System Seller | Closed | 2026-01-26 16:55 | 2026-02-09 16:44 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-ULI
source doc provided. - Due Diligence Vendor-02/09/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/26/2026 |
Resolved-ULI
source doc provided. - Due Diligence Vendor-02/09/2026 |
NJ | Primary Residence | Purchase | NA | 7304358 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Closed | 2026-01-20 10:32 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7181339 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Closed | 2026-01-21 15:34 | 2026-02-18 09:37 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7225984 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Closed | 2026-01-20 11:45 | 2026-01-27 09:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7183408 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Closed | 2026-01-20 11:45 | 2026-01-27 09:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7183407 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Closed | 2026-01-20 11:45 | 2026-01-27 09:02 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7183405 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Closed | 2026-01-20 11:45 | 2026-01-27 09:02 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7183409 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1168 | XXXX System Seller | Seller | 2026-01-20 10:32 | 2026-02-27 17:00 | Open | 3 - Material | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Open- -
Due Diligence Vendor-02/27/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing the VVOE - Due Diligence Vendor-01/20/2026 |
OR | Primary Residence | Refinance | Cash Out - Other | 7181340 | N/A | N/A | |||||||
| XXXXX | OBX2026HYB1169 | XXXX System Seller | Closed | 2026-01-21 10:35 | 2026-02-18 09:38 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003 used to source the ULI is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
TX | Primary Residence | Purchase | NA | 7206856 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1169 | XXXX System Seller | Closed | 2026-01-20 14:23 | 2026-01-27 14:46 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/20/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 7187012 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1169 | XXXX System Seller | Closed | 2026-01-20 15:11 | 2026-01-27 09:04 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 7188014 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1169 | XXXX System Seller | Closed | 2026-01-20 15:11 | 2026-01-27 09:04 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of Missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 7188012 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1169 | XXXX System Seller | Closed | 2026-01-20 15:11 | 2026-01-27 09:04 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 7188016 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1169 | XXXX System Seller | Closed | 2026-01-20 15:11 | 2026-01-27 09:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 7188015 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 17:41 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. Borrower Identification is illegible. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Purchase | NA | 7304849 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 17:41 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 2. Co-Borrower Identification is illegible. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
FL | Primary Residence | Purchase | NA | 7304850 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 18:30 | 2026-02-02 12:17 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
FL | Primary Residence | Purchase | NA | 7305172 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 19:57 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7305633 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 19:57 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7305631 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 19:57 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7305634 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 19:57 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.000, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7305632 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1170 | XXXX System Seller | Closed | 2026-01-26 18:30 | 2026-01-27 08:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Purchase | NA | 7305171 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1171 | XXXX System Seller | Closed | 2026-01-24 05:42 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7282476 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1171 | XXXX System Seller | Closed | 2026-01-24 05:42 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282480 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1171 | XXXX System Seller | Closed | 2026-01-24 05:42 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282481 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1171 | XXXX System Seller | Closed | 2026-01-24 05:42 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282478 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1171 | XXXX System Seller | Closed | 2026-01-24 05:42 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282479 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1171 | XXXX System Seller | Closed | 2026-01-24 05:36 | 2026-01-24 08:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/24/2026 | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA:
Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary
Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will
be rated a B for all agencies. - Due
Diligence Vendor-01/24/2026 |
CA | Primary Residence | Purchase | NA | 7282465 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1172 | XXXX System Seller | Closed | 2026-01-22 15:24 | 2026-02-10 07:30 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/10/2026 |
MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7254312 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1172 | XXXX System Seller | Closed | 2026-01-22 15:24 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7254310 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1172 | XXXX System Seller | Closed | 2026-01-22 15:24 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of missing, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7254314 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1172 | XXXX System Seller | Closed | 2026-01-22 15:24 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7254311 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1172 | XXXX System Seller | Closed | 2026-01-22 15:24 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of missing, Audit reports Lender Credits of -$X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7254315 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1172 | XXXX System Seller | Closed | 2026-01-22 15:24 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of missing. Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MD | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7254313 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-24 07:26 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7282591 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-24 07:26 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282595 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-24 07:26 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282592 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-24 07:26 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282596 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-24 07:26 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7282594 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-23 14:51 | 2026-01-26 17:00 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Purchase | NA | 7278274 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1173 | XXXX System Seller | Closed | 2026-01-23 14:51 | 2026-01-24 07:38 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Acknowledged-CHARM Booklet Not Provided Within 3 Days of Application Date This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/24/2026 | Acknowledged-CHARM
Booklet Not Provided Within 3 Days of Application Date This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/24/2026 |
CA | Primary Residence | Purchase | NA | 7278275 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 07:52 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Counter-Please provide verification of identity not found in file - condition retained - Due Diligence Vendor-01/27/2026 Ready for Review-Borrower identity confirmed at closing. Please clear. - Due Diligence Vendor-01/26/2026 Open-Missing Borrower Identification - Borrower 1. Provide either a legible copy of the borrower's driver's license or passport, or a completed/notarized Patriot Act form by the escrow officer. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7177263 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-21 15:35 | 2026-02-18 09:38 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7226014 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 10:08 | 2026-01-27 09:07 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7180198 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 10:08 | 2026-01-27 09:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7180197 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 10:08 | 2026-01-27 09:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7180196 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 10:08 | 2026-01-27 09:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7180195 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 09:51 | 2026-01-21 10:55 | Acknowledged | 2 - Non-Material | Compliance | Closing | Loan Originator NMLS Status is Not Active | Acknowledged-Loan Originator NMLS Status is Not Active Per NMLS consumer access, XXXXX wasn't authorized with XXXXXX XXXXXXXX until XX/XX/XXXX. - Due Diligence Vendor-01/20/2026 | Acknowledged-Loan
Originator NMLS Status is Not Active Per NMLS consumer access, XXXXX wasn't
authorized with XXXXXX XXXXXXXX until XX/XX/XXXX. - Due Diligence
Vendor-01/20/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7179875 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1174 | XXXX System Seller | Closed | 2026-01-20 09:44 | 2026-01-21 10:54 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. Per NMLS consumer
access, the loan officer wasn't licensed in New Jersey until XX/XX/XXXX. -
Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-A
relationship between XXXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. Per NMLS consumer
access, the loan officer wasn't licensed in New Jersey until XX/XX/XXXX. -
Due Diligence Vendor-01/20/2026 |
NJ | Primary Residence | Refinance | Cash Out - Other | 7179599 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1175 | XXXX System Seller | Closed | 2026-01-22 10:56 | 2026-02-18 09:39 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/22/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7246768 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1175 | XXXX System Seller | Closed | 2026-01-21 12:59 | 2026-01-27 14:48 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/21/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7220032 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1175 | XXXX System Seller | Closed | 2026-01-20 14:53 | 2026-01-27 09:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7187701 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1175 | XXXX System Seller | Closed | 2026-01-20 14:53 | 2026-01-27 09:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7187700 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1175 | XXXX System Seller | Closed | 2026-01-20 14:53 | 2026-01-27 09:07 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7187699 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1175 | XXXX System Seller | Closed | 2026-01-20 14:53 | 2026-01-27 09:07 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of no tape data, Audit reports NMLSR of XXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7187698 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1176 | XXXX System Seller | Closed | 2026-01-21 15:35 | 2026-02-18 09:40 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7226026 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1176 | XXXX System Seller | Closed | 2026-01-20 21:45 | 2026-01-27 09:10 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00 . Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7194029 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1176 | XXXX System Seller | Closed | 2026-01-20 21:45 | 2026-01-27 09:09 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $ , Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7194028 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1176 | XXXX System Seller | Closed | 2026-01-20 21:45 | 2026-01-27 09:09 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $ , Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7194027 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1176 | XXXX System Seller | Closed | 2026-01-20 21:45 | 2026-01-27 09:09 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR as missing , Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7194026 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1177 | XXXX System Seller | Closed | 2026-01-22 10:56 | 2026-02-18 09:40 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/22/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7246772 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1177 | XXXX System Seller | Closed | 2026-01-21 07:32 | 2026-01-27 09:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7200852 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1177 | XXXX System Seller | Closed | 2026-01-21 07:32 | 2026-01-27 09:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXXX.XX To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7200851 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1177 | XXXX System Seller | Closed | 2026-01-21 07:32 | 2026-01-27 09:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00 Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7200850 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1177 | XXXX System Seller | Closed | 2026-01-21 07:32 | 2026-01-27 09:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7200849 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1177 | XXXX System Seller | Closed | 2026-01-21 07:32 | 2026-01-27 09:10 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of Missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7200848 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:52 | 2026-02-27 15:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing origination Credit Report. - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167348 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:37 | 2026-02-23 15:08 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR
Risk - Employment validation/verification standards meet requirements - Due
Diligence Vendor-02/16/2026 Ready for Review-voe - Due Diligence Vendor-02/13/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for the borrowers. - Due Diligence Vendor-01/19/2026 |
Resolved-ATR
Risk - Employment validation/verification standards meet requirements - Due
Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167140 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-22 13:59 | 2026-02-23 07:06 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Appraisal is missing interior Inspection | Acknowledged-Guideline
Exception - Lender - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Guidelines require an interior appraisal unless exception approved by client. File only contains an exterior inspection. Client exception not found in file. - Due Diligence Vendor-01/22/2026 |
Acknowledged-Guideline
Exception - Lender - Downgrade B - Due Diligence Vendor-02/23/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7252822 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:37 | 2026-02-16 13:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/16/2026
Ready for Review-VOE included for all brws - Due Diligence Vendor-02/13/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for Borrower’s job. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
1 3rd Party VOE Prior to Close Was Provided - Due Diligence
Vendor-02/16/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167137 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:37 | 2026-02-16 13:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower
2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-02/16/2026 Ready for Review-VOE - Due Diligence Vendor-02/13/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for Borrower 2’s job. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167138 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:37 | 2026-02-16 13:10 | Resolved | 1 - Information | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Income
and Employment Meet Guidelines - Due Diligence Vendor-02/16/2026 Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-02/16/2026 Ready for Review-voe - Due Diligence Vendor-02/13/2026 Open-Income and Employment Do Not Meet Guidelines Missing 3rd Party Verbal Verification of Employment dated within 10 Business days prior to the Note date for the borrowers. - Due Diligence Vendor-01/19/2026 |
Resolved-Income
and Employment Meet Guidelines - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167139 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:52 | 2026-02-05 07:33 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/05/2026 Resolved-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-02/05/2026 Ready for Review-credit report has been provided can this be cleared? - Due Diligence Vendor-02/03/2026 Open-Housing History Does Not Meet Guideline Requirements Missing credit report or other documentation to verify housing history. - Due Diligence Vendor-01/22/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/05/2026 Resolved-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-02/05/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167347 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:52 | 2026-02-05 07:29 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower
1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167345 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 11:52 | 2026-02-05 07:29 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower
2 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached. - Due Diligence Vendor-02/02/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
2 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7167346 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 14:58 | 2026-01-28 16:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170197 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 14:58 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170199 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 14:58 | 2026-01-28 15:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI was blank, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170200 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 14:58 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7170198 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1178 | XXXX System Seller | Closed | 2026-01-19 14:30 | 2026-01-22 13:56 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXX XXXXXXXXX (NMLS ID: XXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. Invalid
finding. Finding rescinded. - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXXXX XXXXXXXXX (NMLS ID: XXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. Invalid
finding. Finding rescinded. - Due Diligence Vendor-01/19/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169865 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1179 | XXXX System Seller | Closed | 2026-01-24 14:33 | 2026-01-29 10:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of not applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
GA | Primary Residence | Purchase | NA | 7283201 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1179 | XXXX System Seller | Closed | 2026-01-24 14:33 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7283204 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1179 | XXXX System Seller | Closed | 2026-01-24 14:33 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7283202 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1179 | XXXX System Seller | Closed | 2026-01-24 14:33 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/24/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7283203 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 06:26 | 2026-02-18 10:21 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 Ready for Review-Required documentation provided in another condition - Due Diligence Vendor-02/17/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of debt listed on the final 1003 in the amount of $XXX.XX - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175523 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 06:28 | 2026-02-18 10:19 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation
received - cleared - Due Diligence Vendor-02/18/2026 Ready for Review-verification of debt - Due Diligence Vendor-02/17/2026 Open-Missing evidence of debt listed on the final 1003 in the amount of $XXX.XX - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
received - cleared - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175563 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 09:05 | 2026-01-29 08:11 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal
or other primary valuation product was provided - Due Diligence
Vendor-01/29/2026 Open-Appraisal not provided. Guidelines require a 1004 Interior/Exterior Appraisal with interior photos. The loan file contains only an Exterior Inspection (2055). - Due Diligence Vendor-01/20/2026 |
Resolved-Appraisal
or other primary valuation product was provided - Due Diligence
Vendor-01/29/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7178660 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 06:54 | 2026-01-27 09:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of Missing, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7176352 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 05:54 | 2026-01-27 09:13 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175082 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 05:54 | 2026-01-27 09:13 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175081 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 05:54 | 2026-01-27 09:12 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175080 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1180 | XXXX System Seller | Closed | 2026-01-20 05:54 | 2026-01-27 09:12 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX . To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175079 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 09:53 | 2026-02-23 07:06 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Appraisal is missing interior Inspection | Acknowledged-Guideline
Exception - Lender - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Guidelines require an interior appraisal unless exception approved by client. File only contains a 2055. Client exception not found in file. - Due Diligence Vendor-01/20/2026 |
Acknowledged-Guideline
Exception - Lender - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7179907 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 07:39 | 2026-02-18 10:10 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/18/2026 Ready for Review-VOE attached - Due Diligence Vendor-02/17/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177020 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-21 15:33 | 2026-02-18 09:41 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-BAML
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-XXXX
to generate new ULI - condition cleared - Due Diligence Vendor-02/18/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7225979 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 07:51 | 2026-02-02 12:35 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177248 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-21 09:16 | 2026-02-02 12:35 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Credit report is missing. - Due Diligence Vendor-01/21/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7204238 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 10:50 | 2026-01-27 09:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181854 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 10:50 | 2026-01-27 09:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181853 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 10:50 | 2026-01-27 09:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181852 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 10:50 | 2026-01-27 09:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/26/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7181851 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1181 | XXXX System Seller | Closed | 2026-01-20 10:04 | 2026-01-21 09:30 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXX XX (NMLS ID: XXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 Open- - Due Diligence Vendor-01/20/2026 |
Acknowledged-A
relationship between XXXXXXX XX (NMLS ID: XXXXXXXX) and the company (Company
NMLS ID: XXXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. - Due
Diligence Vendor-01/20/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7180142 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1182 | XXXX System Seller | Closed | 2025-12-29 07:51 | 2026-02-02 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Total
Loan Costs Discrepancy rectified - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-12/29/2025 |
Resolved-Total
Loan Costs Discrepancy rectified - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6829309 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1182 | XXXX System Seller | Closed | 2025-12-29 07:51 | 2026-02-02 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Origination
Charges Discrepancy rectified - Due Diligence Vendor-02/02/2026 Open-Origination Charges Discrepancy XXXXXXXXXXXXXXXX - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-12/29/2025 |
Resolved-Origination
Charges Discrepancy rectified - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6829310 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1182 | XXXX System Seller | Closed | 2025-12-29 07:51 | 2026-02-02 07:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
Credits Discrepancy rectified - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00, Audit reports Lender Credits of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-12/29/2025 |
Resolved-Lender
Credits Discrepancy rectified - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6829312 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1182 | XXXX System Seller | Closed | 2026-01-13 14:29 | 2026-02-02 07:48 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Universal Loan Identifier (ULI) Source Doc | Resolved-ULI
source doc provided. - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-The FNMA 1003, a Mavent report, or any similar document used to source the ULI is missing. - Due Diligence Vendor-01/13/2026 |
Resolved-ULI
source doc provided. - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7073352 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 04:39 | 2026-02-16 12:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/16/2026 Ready for Review-REO Taxes - Due Diligence Vendor-02/13/2026 Open-Provide current statement for Loancare #XXXX to verify taxes and insurance are escrowed. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7174515 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 07:40 | 2026-02-16 12:31 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements ok - Due Diligence Vendor-02/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing all income documentation. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/16/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177049 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 04:21 | 2026-02-16 12:30 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower
1 Paystubs Provided - Due Diligence Vendor-02/16/2026 Ready for Review-paystub - Due Diligence Vendor-02/13/2026 Open-Borrower 1 Paystubs Missing Provide the most recent YTD paycheck stub or WVOE to confirm the income used in qualification. - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 Paystubs Provided - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7174389 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 04:21 | 2026-02-16 12:30 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower
1 W2/1099 Provided - Due Diligence Vendor-02/16/2026 Ready for Review-w2 - Due Diligence Vendor-02/13/2026 Open-Borrower 1 W2/1099 Missing Provide legible copy of the XXXX and XXXX W2 or WVOE to confirm the bonus used in qualification. - Due Diligence Vendor-01/20/2026 |
Resolved-Borrower
1 W2/1099 Provided - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7174390 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 05:46 | 2026-02-03 07:24 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Sufficient
documentation provided - condition cleared - Due Diligence Vendor-02/03/2026
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2026 Ready for Review-Please see Fema reflecting zone x- flood not required - Due Diligence Vendor-02/02/2026 Open-Missing Flood Certificate Provide CoreLogic Flood Services certificate to confirm no flood insurance is required. - Due Diligence Vendor-01/20/2026 |
Resolved-Sufficient
documentation provided - condition cleared - Due Diligence Vendor-02/03/2026
Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7174993 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 07:38 | 2026-02-02 12:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements Missing Credit Report. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177012 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 07:38 | 2026-02-02 12:33 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Credit Report. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177013 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 04:37 | 2026-02-02 12:32 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached. - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7174498 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 06:19 | 2026-01-27 09:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175456 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 06:19 | 2026-01-27 09:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175457 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 06:19 | 2026-01-27 09:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of N/A (blank), Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX [per 1008]. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175458 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 06:19 | 2026-01-27 09:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175455 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1183 | XXXX System Seller | Closed | 2026-01-20 06:19 | 2026-01-27 09:16 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7175454 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 13:30 | 2026-02-16 13:17 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower
2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-02/16/2026 Ready for Review-VOE - Due Diligence Vendor-02/13/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a VVOE within 10 business days prior to the note date. The VVOE is missing for B2. Additional conditions may apply. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of
Borrowers equals 2) - Due Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 7169128 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 13:30 | 2026-02-16 13:17 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Paystubs Missing | Resolved-Borrower
2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due
Diligence Vendor-02/16/2026 Ready for Review-full verification of employment - Due Diligence Vendor-02/13/2026 Open-Borrower 2 Paystubs Missing Per Appendix Q, a creditor must verify the consumer’s employment for the most recent two full years, and the consumer must explain any gaps in employment that span one or more months and Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers. File is missing Paystubs for B2. Additional conditions may apply. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
2 Paystubs Provided or Not Applicable (Number of Borrowers equals 2) - Due
Diligence Vendor-02/16/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 7169129 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 13:30 | 2026-02-16 13:17 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower
2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due
Diligence Vendor-02/16/2026 Open-Borrower 2 W2/1099 Missing Per Appendix Q, a creditor must verify the consumer’s employment for the most recent two full years, and the consumer must explain any gaps in employment that span one or more months and Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers. File is missing W2s for B2. Additional conditions may apply. - Due Diligence Vendor-01/19/2026 |
Resolved-Borrower
2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due
Diligence Vendor-02/16/2026 |
CA | Primary Residence | Purchase | NA | 7169130 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 13:30 | 2026-02-16 13:17 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR
Risk - Current Income or Current Assets were considered - Due Diligence
Vendor-02/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing Paystubs, W2s and/or completed WVOE for B2. - Due Diligence Vendor-01/19/2026 |
Resolved-ATR
Risk - Current Income or Current Assets were considered - Due Diligence
Vendor-02/16/2026 |
CA | Primary Residence | Purchase | NA | 7169131 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 14:10 | 2026-02-02 09:59 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 2 Credit Report is Missing. A credit report for the co-borrower was not provided. Additional conditions may apply. - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 7169601 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 14:10 | 2026-02-02 09:58 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 Ready for Review-Credit Report attached - Due Diligence Vendor-02/02/2026 Open-Borrower 1 Credit Report is Missing. A credit report for the borrower was not provided. Additional conditions may apply. - Due Diligence Vendor-01/19/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Purchase | NA | 7169599 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-21 09:05 | 2026-01-27 09:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of xxxxxxxxx, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/21/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7203928 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 16:25 | 2026-01-27 09:18 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR is missing, Audit reports NMLSR of XXXXXX To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7171026 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1184 | XXXX System Seller | Closed | 2026-01-19 15:38 | 2026-01-21 09:11 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXX XXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. LO NMLS ID is
associated with XXXXXX XXXXXXXX, which has relationship with XXXX XXXX. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/21/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXX XXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. LO NMLS ID is
associated with XXXXXX XXXXXXXX, which has relationship with XXXX XXXX. This finding is non-material and will be
rated a B for all agencies. - Due Diligence Vendor-01/19/2026 |
CA | Primary Residence | Purchase | NA | 7170549 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1185 | XXXX System Seller | Closed | 2026-01-23 08:03 | 2026-02-18 09:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (blank), Audit reports Loan Purpose of refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 |
VA | Second Home | Refinance | No Cash Out - Borrower Initiated | 7266906 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1185 | XXXX System Seller | Closed | 2026-01-23 08:03 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Second Home | Refinance | No Cash Out - Borrower Initiated | 7266909 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1185 | XXXX System Seller | Closed | 2026-01-23 08:03 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Second Home | Refinance | No Cash Out - Borrower Initiated | 7266907 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1185 | XXXX System Seller | Closed | 2026-01-23 08:03 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Second Home | Refinance | No Cash Out - Borrower Initiated | 7266910 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1185 | XXXX System Seller | Closed | 2026-01-23 08:03 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
VA | Second Home | Refinance | No Cash Out - Borrower Initiated | 7266908 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 13:34 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7252217 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 18:26 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose was blank, Audit reports Loan Purpose of Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7258287 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 18:26 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7258290 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 18:26 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR is blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7258288 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 18:26 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7258289 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 15:32 | 2026-01-26 08:17 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7254385 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1017 | XXXX System Seller | Closed | 2026-01-22 17:56 | 2026-01-22 17:58 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). This finding is
outside the statute of limitations and will be rated a B for all agencies. -
Due Diligence Vendor-01/22/2026 Open- - Due Diligence Vendor-01/22/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). This finding is
outside the statute of limitations and will be rated a B for all agencies. -
Due Diligence Vendor-01/22/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7257779 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1186 | XXXX System Seller | Closed | 2026-01-20 08:27 | 2026-02-02 07:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Tape reports ULI of Blank, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 Open-Universal Loan Identifier (ULI) Discrepancy - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7177905 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1186 | XXXX System Seller | Closed | 2026-01-02 10:48 | 2026-02-02 07:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Tape reports NMLSR of Blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy The tape did not provide a Mortgage Loan Originator NMLSR Identifier. - Due Diligence Vendor-01/05/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6896407 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1187 | XXXX System Seller | Closed | 2026-01-22 13:41 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report The file is missing a third-party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings. Please provide Fraud Report. Additional conditions may apply. - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7252371 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1187 | XXXX System Seller | Closed | 2026-01-22 16:10 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7255490 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1187 | XXXX System Seller | Closed | 2026-01-22 16:10 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7255492 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1187 | XXXX System Seller | Closed | 2026-01-22 16:10 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7255491 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 08:34 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/25/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284108 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 08:34 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/25/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284107 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 11:00 | 2026-02-02 12:18 | Acknowledged | 2 - Non-Material | Compliance | Mavent | Late: Amount | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-The late fee ($XXX.XX) exceeds the Alabama Mini-Code limit of the greater of $18 or 5% ($X.XX) of the overdue payment, but not to exceed $XXX. (Ala. Code 5-19-4(a) & 8-8-5. XXXXXXXX X XXXXXX XXXXXXX XXX., XXX XX XX XXX. XX XXXXX XXXXXX, XXX XX XXX XXX) - Due Diligence Vendor-01/25/2026 Open- - Due Diligence Vendor-01/25/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284323 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 11:33 | 2026-01-29 11:17 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit ULI not located in file. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284354 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 11:33 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Cash-Out Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284350 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 11:33 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284353 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 11:33 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR was blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284351 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 11:33 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/25/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284352 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 10:01 | 2026-01-25 16:57 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/25/2026 | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/25/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284221 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1018 | XXXX System Seller | Closed | 2026-01-25 10:01 | 2026-01-25 10:01 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/25/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/25/2026 |
AL | Primary Residence | Refinance | Cash Out - Other | 7284220 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 08:05 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of N/A (blank), Audit reports NMLSR of XXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Purchase | NA | 7239650 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 08:05 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Purchase | NA | 7239652 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 08:05 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Purchase | NA | 7239653 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 08:05 | 2026-02-11 10:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Purpose Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A (not applicable), Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
TX | Primary Residence | Purchase | NA | 7239648 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 08:05 | 2026-02-11 10:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Discount Points Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
TX | Primary Residence | Purchase | NA | 7239654 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 08:05 | 2026-02-09 16:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X.XXX (PP), Audit reports Property Value of $X.XXXXXXX (1004, UCDP and desk review). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
TX | Primary Residence | Purchase | NA | 7239651 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 07:57 | 2026-02-02 12:19 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX (signature date) is after the Primary Appraisal Delivery Date of XX/XX/XXXX (email date). - Due Diligence Vendor-01/22/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
TX | Primary Residence | Purchase | NA | 7239472 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1188 | XXXX System Seller | Closed | 2026-01-22 07:57 | 2026-01-26 17:04 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA:
Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary
Appraisal Delivery Date of XX/XX/XXXX.
This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-01/22/2026 |
Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA:
Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary
Appraisal Delivery Date of XX/XX/XXXX.
This finding is non-material and will be rated a B for all agencies.
- Due Diligence Vendor-01/22/2026 |
TX | Primary Residence | Purchase | NA | 7239471 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1189 | XXXX System Seller | Closed | 2026-01-25 19:28 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7287576 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1189 | XXXX System Seller | Closed | 2026-01-25 19:28 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7287578 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1189 | XXXX System Seller | Closed | 2026-01-25 19:28 | 2026-02-11 10:26 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Origination Charges Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XX,XXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7287579 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1189 | XXXX System Seller | Closed | 2026-01-25 19:28 | 2026-02-11 10:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Purpose Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of missing, Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
GA | Primary Residence | Purchase | NA | 7287575 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1189 | XXXX System Seller | Closed | 2026-01-25 19:28 | 2026-02-11 10:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Lender Credits Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0.00 Audit reports Lender Credits of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
GA | Primary Residence | Purchase | NA | 7287580 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1189 | XXXX System Seller | Closed | 2026-01-25 19:28 | 2026-02-09 16:55 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
GA | Primary Residence | Purchase | NA | 7287577 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1190 | XXXX System Seller | Closed | 2026-01-23 11:37 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of not applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7273942 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1190 | XXXX System Seller | Closed | 2026-01-23 11:37 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7273945 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1190 | XXXX System Seller | Closed | 2026-01-23 11:37 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of missing, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7273943 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1190 | XXXX System Seller | Closed | 2026-01-23 11:37 | 2026-01-28 15:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7273944 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1191 | XXXX System Seller | Closed | 2026-01-22 02:57 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of N/A, Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
FL | Primary Residence | Purchase | NA | 7236430 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1191 | XXXX System Seller | Closed | 2026-01-22 02:57 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7236435 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1191 | XXXX System Seller | Closed | 2026-01-22 02:57 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7236432 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1191 | XXXX System Seller | Closed | 2026-01-22 02:57 | 2026-01-28 15:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Lender Credits Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Lender Credits Discrepancy Lender Tape reports Lender Credits of $0, Audit reports Lender Credits of $XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7236436 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1191 | XXXX System Seller | Closed | 2026-01-22 02:57 | 2026-01-28 15:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
FL | Primary Residence | Purchase | NA | 7236434 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1191 | XXXX System Seller | Closed | 2026-01-22 02:50 | 2026-01-26 07:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 | Acknowledged-ECOA
Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA:
Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary
Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will
be rated a B for all agencies. - Due Diligence Vendor-01/22/2026 |
FL | Primary Residence | Purchase | NA | 7236379 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-22 19:03 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/23/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Purchase | NA | 7259087 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-22 19:28 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-01/23/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Purchase | NA | 7259237 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-22 19:28 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-01/23/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
WA | Primary Residence | Purchase | NA | 7259236 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-23 14:41 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Purchase | NA | 7278119 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-26 08:42 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0, Audit reports Origination Charges of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Purchase | NA | 7293513 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-23 14:41 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of 0, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Purchase | NA | 7278120 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-23 14:41 | 2026-01-28 15:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/23/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
WA | Primary Residence | Purchase | NA | 7278122 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-22 20:34 | 2026-01-26 17:09 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: ARM Program Document is Missing or Incomplete | Acknowledged-ARM
Disclosure is Missing or Incomplete The finding is outside the statute of
limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-ARM
Disclosure is Missing or Incomplete The finding is outside the statute of
limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
WA | Primary Residence | Purchase | NA | 7259968 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1192 | XXXX System Seller | Closed | 2026-01-22 20:34 | 2026-01-26 09:14 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 | Acknowledged-RESPA:
Toolkit Missing or Incomplete. This finding is non-material and will be rated
a B for all agencies. - Due Diligence Vendor-01/26/2026 |
WA | Primary Residence | Purchase | NA | 7259969 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 15:08 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Purchase | NA | 7254088 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 15:27 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE in file is more than 10 days prior to the note. - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Purchase | NA | 7254349 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 15:08 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/22/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Purchase | NA | 7254087 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 16:46 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of not applicable, Audit reports Loan Purpose of purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7256242 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 16:46 | 2026-01-28 17:14 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Origination Charges Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Origination Charges Discrepancy Lender Tape reports Origination Charges of $0.00, Audit reports Origination Charges of $XXXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7256246 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 16:46 | 2026-01-28 16:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7256247 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 16:46 | 2026-01-28 16:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR blank, Audit reports NMLSR of XXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7256244 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 16:46 | 2026-01-28 15:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/22/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
CA | Primary Residence | Purchase | NA | 7256245 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 15:49 | 2026-01-26 17:10 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The finding is
outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
CA | Primary Residence | Purchase | NA | 7254881 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 16:38 | 2026-01-22 16:38 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/22/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Not Provided Timely. This finding is
non-material and will be rated a B for all agencies - Due Diligence
Vendor-01/22/2026 |
CA | Primary Residence | Purchase | NA | 7256140 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1193 | XXXX System Seller | Closed | 2026-01-22 15:49 | 2026-01-22 15:49 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | CHARM Booklet Not Provided Within 3 Days of Application Date | Acknowledged-CHARM Booklet Not Provided Within 3 Days of Application Date This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/22/2026 | Acknowledged-CHARM
Booklet Not Provided Within 3 Days of Application Date This finding is
non-material and will be rated a B for all agencies - Due Diligence
Vendor-01/22/2026 |
CA | Primary Residence | Purchase | NA | 7254882 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1194 | XXXX System Seller | Closed | 2026-01-16 09:06 | 2026-01-27 12:50 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7136879 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1195 | XXXX System Seller | Closed | 2026-01-18 19:58 | 2026-02-02 07:51 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7157626 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1199 | XXXX System Seller | Closed | 2025-12-29 10:06 | 2026-01-16 09:02 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date The ARM Loan Program Disclosure was not provided within 3 business days of application date. The ARM Loan Program Disclosure is dated XX/XX/XXXX and the application date is XX/XX/XXXX. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The ARM Loan
Program Disclosure was not provided within 3 business days of application
date. The ARM Loan Program Disclosure is dated XX/XX/XXXX and the application
date is XX/XX/XXXX. The finding is
outside the statute of limitations and will be rated a B for all agencies. -
Due Diligence Vendor-01/16/2026 |
CA | Primary Residence | Purchase | NA | 6832950 | Originator Post-Close | Yes | ||||||
| XXXXX | OBX2026HYB1200 | XXXX System Seller | Closed | 2025-12-30 05:14 | 2026-02-02 07:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Property Value Discrepancy Tape value is the purchase price; verified is the appraised value. - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
SC | Primary Residence | Purchase | NA | 6848224 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1201 | XXXX System Seller | Closed | 2025-12-31 11:08 | 2026-02-18 10:55 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/18/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-01/30/2026 Resolved-Documentation provided - condition cleared - Due Diligence Vendor-01/16/2026 Open-Documentation provided - condition cleared - Due Diligence Vendor-01/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing evidence of net proceeds from sale REO listed on the final 1003 section 3a. Settlement statement provided in loan file, however, is not executed. - Due Diligence Vendor-12/31/2025 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/18/2026 Resolved-Documentation provided - condition cleared - Due Diligence Vendor-01/16/2026 |
KY | Primary Residence | Purchase | NA | 6876579 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1201 | XXXX System Seller | Closed | 2025-12-31 10:43 | 2026-01-27 14:55 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/31/2025 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
KY | Primary Residence | Purchase | NA | 6875915 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1201 | XXXX System Seller | Closed | 2025-12-31 12:54 | 2026-01-16 10:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing evidence of sale of other property owned (REO) | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/16/2026 Ready for Review-Please find attached statement reflecting sale of property to confirm property was sold included is the Zillow record confirmation that property was sold on XX/XX/XXXX. Please review and clear. Included within the file is the payoff and contract of sale along with these items provided should be sufficient to document sell of property. - Due Diligence Vendor-01/14/2026 Open-Final Hud-1,Closing documents, or other evidence of sale from property listed in position 3a on the application evidencing liens paid and net proceeds was not provided. (Settlement statement was provided, however not executed) - Due Diligence Vendor-12/31/2025 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf XXXXXXX_2.pdf |
KY | Primary Residence | Purchase | NA | 6878811 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1202 | XXXX System Seller | Closed | 2026-01-20 08:57 | 2026-02-02 07:52 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
AZ | Primary Residence | Purchase | NA | 7178492 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1202 | XXXX System Seller | Closed | 2025-12-31 12:19 | 2026-01-16 09:02 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ARM Disclosure Not Provided Within 3 Days of Application Date | Acknowledged-ARM Disclosure Not Provided Within 3 Days of Application Date The ARM Loan Program Disclosure was not provided within 3 business days of application date. The ARM Loan Program Disclosure is dated XX/XX/XXXX and the application date is XX/XX/XXXX. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 | Acknowledged-ARM
Disclosure Not Provided Within 3 Days of Application Date The ARM Loan
Program Disclosure was not provided within 3 business days of application
date. The ARM Loan Program Disclosure is dated XX/XX/XXXX and the application
date is XX/XX/XXXX. The finding is outside the statute of limitations and
will be rated a B for all agencies. - Due Diligence Vendor-01/16/2026 |
AZ | Primary Residence | Purchase | NA | 6878129 | Originator Post-Close | No | ||||||
| XXXXX | OBX2026HYB1204 | XXXX System Seller | Closed | 2026-01-02 12:04 | 2026-01-08 09:44 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the
statute of limitations and will be rated a B - Due Diligence
Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 Open- - Due Diligence Vendor-01/02/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance
charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance
charge inaccurate if it is more than $XXX below the actual finance charge.
(12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) This finding is outside the
statute of limitations and will be rated a B - Due Diligence
Vendor-01/02/2026 |
TX | Primary Residence | Purchase | NA | 6898794 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1205 | XXXX System Seller | Closed | 2025-12-30 12:57 | 2026-02-18 09:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 Open-Lender Tape reports Total Loan Cost of $XX,XXX.XX, Audit reports Total Loan Cost of $XX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/12/2026 Open-Total Loan Costs Discrepancy The tape reflects Total Loan Costs of $XX,XXX.XX and the final CD reflects Total Loan Costs of $XX,XXX.XX. - Due Diligence Vendor-12/30/2025 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/18/2026 |
WA | Primary Residence | Purchase | NA | 6858472 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1207 | XXXX System Seller | Closed | 2025-12-31 11:28 | 2026-01-27 14:58 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/31/2025 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 6877069 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1207 | XXXX System Seller | Closed | 2025-12-31 12:41 | 2026-01-16 10:06 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Documentation
provided showing replacement cost coverage - TX reg - condition cleared - Due
Diligence Vendor-01/16/2026 Ready for Review-Please see attached letter from insurance with guaranteed replacement of 732k insurance is sufficient allowed by Texas code. - Due Diligence Vendor-01/14/2026 Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX.XX Hazard Insurance Coverage Amount of $XXX,XXX.XX is less than Required Coverage of $XXXXXXXX.XX. - Due Diligence Vendor-12/31/2025 |
Resolved-Documentation
provided showing replacement cost coverage - TX reg - condition cleared - Due
Diligence Vendor-01/16/2026 |
XXXXXXX_1.pdf | TX | Primary Residence | Purchase | NA | 6878539 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1207 | XXXX System Seller | Closed | 2025-12-31 12:55 | 2026-01-08 09:06 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-This
finding is outside the statute of limitations and will be rated a B - Due
Diligence Vendor-01/08/2026 Acknowledged-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-12/31/2025 |
Acknowledged-This
finding is outside the statute of limitations and will be rated a B - Due
Diligence Vendor-01/08/2026 Acknowledged-A Lender Credit for Excess Charges of ($XXX.XX0), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/31/2025 |
TX | Primary Residence | Purchase | NA | 6878827 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1207 | XXXX System Seller | Closed | 2025-12-31 12:55 | 2026-01-08 09:06 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-This
finding is outside the statute of limitations and will be rated a B. Discount Points on CD dated XX/XX/XXXX is $XX,XXX.XX. LE dated XX/XX/XXXX lists fee as $XX,XXX.XX. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J reflects $XXX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the (Fee name). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/08/2026 Acknowledged-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/31/2025 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-12/31/2025 |
Acknowledged-This
finding is outside the statute of limitations and will be rated a B. Discount Points on CD dated XX/XX/XXXX is $XX,XXX.XX. LE dated XX/XX/XXXX lists fee as $XX,XXX.XX. This fee is in a 0% tolerance section. Lender tolerance cure of $X,XXX.XX is required. Section J reflects $XXX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the (Fee name). Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/08/2026 Acknowledged-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/31/2025 |
TX | Primary Residence | Purchase | NA | 6878828 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1208 | XXXX System Seller | Closed | 2026-01-20 09:06 | 2026-02-02 07:53 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
NC | Primary Residence | Refinance | Cash Out - Other | 7178699 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1208 | XXXX System Seller | Closed | 2025-12-26 13:04 | 2026-01-08 10:27 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. Electronic Delivery Fee
on CD is $XX. Initial LE lists fee as $0. This fee is in a (0% tolerance
section. Lender tolerance cure of $XXX.XX is required. Section J reflects
$XXX.XX tolerance cure that is insufficient as it was applied to the
tolerance cure for the Electronic Delivery Fee and Title- Closing Protection Letteer.
Provide corrected CD, evidence of Refund to the Borrower, letter of
explanation and proof of delivery to the Borrower. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. Electronic Delivery Fee
on CD is $50. Initial LE lists fee as $0. This fee is in a (0% tolerance
section. Lender tolerance cure of $XXX.XX is required. Section J reflects $
XXX.XX tolerance cure that is insufficient as it was applied to the tolerance
cure for the Electronic Delivery Fee and Title- Closing Protection Letteer.
Provide corrected CD, evidence of Refund to the Borrower, letter of
explanation and proof of delivery to the Borrower. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-12/26/2025 |
NC | Primary Residence | Refinance | Cash Out - Other | 6817739 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1208 | XXXX System Seller | Closed | 2025-12-26 13:04 | 2026-01-08 10:26 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. Electronic Delivery Fee
on CD is $XX. Initial LE lists fee as $0. This fee is in a (0% tolerance
section. Lender tolerance cure of $XXX.XX is required. Section J reflects
$XXX.XX tolerance cure that is insufficient as it was applied to the
tolerance cure for the Electronic Delivery Fee and Title- Closing Protection
Letteer. Provide corrected CD, evidence of Refund to the Borrower, letter of
explanation and proof of delivery to the Borrower. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 Open- - Due Diligence Vendor-12/26/2025 |
Acknowledged-A
Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($0.00) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. Electronic Delivery Fee
on CD is $XX. Initial LE lists fee as $0. This fee is in a (0% tolerance
section. Lender tolerance cure of $XXX.XX is required. Section J reflects $
181.00 tolerance cure that is insufficient as it was applied to the tolerance
cure for the Electronic Delivery Fee and Title- Closing Protection Letteer.
Provide corrected CD, evidence of Refund to the Borrower, letter of
explanation and proof of delivery to the Borrower. This finding is outside the statute of limitations and will be rated a B - Due Diligence Vendor-12/26/2025 |
NC | Primary Residence | Refinance | Cash Out - Other | 6817738 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1209 | XXXX System Seller | Closed | 2026-01-06 13:45 | 2026-01-06 13:45 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 |
Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 |
CA | Primary Residence | Purchase | NA | 6942367 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1212 | XXXX System Seller | Closed | 2026-01-06 17:06 | 2026-01-14 12:36 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Prior Loan Estimate Received At Least Four Business Days Before Consummation | Acknowledged-A
revised Loan Estimate was provided on (XX/XX/XXXX) via (ElectronicDelivery).
Under Regulation Z, a consumer must receive a revised Loan Estimate not later
than four business days prior to the consummation date of (XX/XX/XXXX). Since
the revised Loan Estimate was not provided in person, a consumer is
considered to have received it on (XX/XX/XXXX), which is three business days
after it was delivered or placed in the mail. A consumer must receive a
revised Loan Estimate not later than four business days prior to
consummation. Four business days before consummation is (XX/XX/XXXX). (12 CFR
1026.19(e)(4)(ii)) The finding is outside the statute of limitations and will
be rated a B for all agencies. - Due Diligence
Vendor-01/06/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/06/2026 |
Acknowledged-A
revised Loan Estimate was provided on (XX/XX/XXXX) via (ElectronicDelivery).
Under Regulation Z, a consumer must receive a revised Loan Estimate not later
than four business days prior to the consummation date of (XX/XX/XXXX). Since
the revised Loan Estimate was not provided in person, a consumer is
considered to have received it on (XX/XX/XXXX), which is three business days
after it was delivered or placed in the mail. A consumer must receive a
revised Loan Estimate not later than four business days prior to
consummation. Four business days before consummation is (XX/XX/XXXX). (12 CFR
1026.19(e)(4)(ii)) The finding is outside the statute of limitations and will
be rated a B for all agencies. - Due Diligence
Vendor-01/06/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6946781 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1212 | XXXX System Seller | Closed | 2026-01-06 15:06 | 2026-01-06 15:06 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/06/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6944396 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1213 | XXXX System Seller | Closed | 2026-01-08 15:39 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-01/08/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6993815 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1213 | XXXX System Seller | Closed | 2026-01-08 15:56 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of 5.11 month(s) are less than Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-01/08/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6994098 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1213 | XXXX System Seller | Closed | 2026-01-16 08:43 | 2026-02-02 07:54 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7136235 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1213 | XXXX System Seller | Closed | 2026-01-08 16:01 | 2026-02-02 07:54 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Purchase, Audit reports Loan Purpose of Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6994192 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1214 | XXXX System Seller | Closed | 2026-01-15 12:31 | 2026-01-29 11:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
FL | Primary Residence | Purchase | NA | 7116498 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1215 | XXXX System Seller | Closed | 2026-01-05 13:26 | 2026-01-16 09:11 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-01/06/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). COC was not provided as to why Loan discount fees increased at closing. - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
TX | Primary Residence | Purchase | NA | 6919701 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1215 | XXXX System Seller | Closed | 2026-01-05 13:26 | 2026-01-16 09:10 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-01/06/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). COC was not provided as to why Loan discount fees increased at closing. - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
TX | Primary Residence | Purchase | NA | 6919700 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1215 | XXXX System Seller | Closed | 2026-01-05 13:26 | 2026-01-16 09:10 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXX.XX). The actual total fee amount shows a credit amount of ($0.00). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
TX | Primary Residence | Purchase | NA | 6919699 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1215 | XXXX System Seller | Closed | 2026-01-05 13:26 | 2026-01-16 09:09 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/08/2026 Open- - Due Diligence Vendor-01/06/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 Open- - Due Diligence Vendor-01/05/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/16/2026 |
TX | Primary Residence | Purchase | NA | 6919697 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1216 | XXXX System Seller | Closed | 2026-01-06 14:24 | 2026-01-27 15:00 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/06/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6943346 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1216 | XXXX System Seller | Closed | 2026-01-06 15:28 | 2026-01-14 09:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Missing or Incomplete. This finding is
non-material and will be rated a B for all agencies. - Due Diligence
Vendor-01/14/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 6944783 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1012 | XXXX System Seller | Closed | 2026-01-09 12:57 | 2026-01-20 12:40 | Acknowledged | 2 - Non-Material | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Acknowledged-The
disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier
than the system calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower
until the expiration of the rescission period. (12 CFR 1026.23(c) and
Official Staff Commentary) The finding is outside the statute of limitations
and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 |
Acknowledged-The
disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier
than the system calculated "Right to Cancel Expire Date"
(XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower
until the expiration of the rescission period. (12 CFR 1026.23(c) and
Official Staff Commentary) The finding is outside the statute of limitations
and will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7012598 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1012 | XXXX System Seller | Closed | 2026-01-09 12:57 | 2026-01-17 09:02 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 Open- - Due Diligence Vendor-01/09/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/17/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7012594 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1012 | XXXX System Seller | Closed | 2026-01-10 14:33 | 2026-01-17 09:02 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/10/2026 Open- - Due Diligence Vendor-01/10/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/17/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7024082 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1218 | XXXX System Seller | Closed | 2026-01-15 05:48 | 2026-02-02 07:55 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
TX | Primary Residence | Purchase | NA | 7105533 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1218 | XXXX System Seller | Closed | 2026-01-07 13:19 | 2026-01-27 15:02 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/07/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
TX | Primary Residence | Purchase | NA | 6966416 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1220 | XXXX System Seller | Closed | 2026-01-15 08:44 | 2026-02-02 07:56 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
SC | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7108716 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1221 | XXXX System Seller | Closed | 2026-01-17 08:29 | 2026-02-02 07:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
TX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7153815 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1222 | XXXX System Seller | Closed | 2026-01-17 07:39 | 2026-02-02 07:57 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7153636 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1223 | XXXX System Seller | Closed | 2026-01-09 13:00 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 46.51% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Lender exception pg 1303: DTI of 45.31 exceeds max of 43% allowed- approve up to 46% DTI - Due Diligence Vendor-01/09/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
credit
History LTV Residual income |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7012654 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1223 | XXXX System Seller | Closed | 2026-01-16 12:43 | 2026-02-02 07:58 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7142566 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1224 | XXXX System Seller | Closed | 2026-01-16 13:43 | 2026-02-02 08:00 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
KS | Primary Residence | Purchase | NA | 7143691 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1224 | XXXX System Seller | Closed | 2026-01-09 14:59 | 2026-02-02 08:00 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/09/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
KS | Primary Residence | Purchase | NA | 7015391 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1224 | XXXX System Seller | Closed | 2026-01-09 09:30 | 2026-01-16 13:51 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |
Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/09/2026 |
KS | Primary Residence | Purchase | NA | 7006519 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1225 | XXXX System Seller | Closed | 2026-01-09 10:07 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 47.29% exceeds Guideline DTI of 43% A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/09/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Low LTV
59.08% Credit Score 709 Monthly residual income $XX,XXX.XX Excess Reserves $145,711 |
FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7007838 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1226 | XXXX System Seller | Closed | 2026-01-08 11:14 | 2026-02-02 08:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $X,XXX,XXX.XX, Audit reports Property Value of $X,XXX,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/08/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6988398 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1227 | XXXX System Seller | Closed | 2026-01-14 10:55 | 2026-02-02 08:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7088494 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1227 | XXXX System Seller | Closed | 2026-01-06 14:00 | 2026-01-06 14:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/06/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is outside the statute
of limitations and will be rated a B. - Due Diligence Vendor-01/06/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6942769 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1227 | XXXX System Seller | Closed | 2026-01-06 14:00 | 2026-01-06 14:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Servicing Transfer Notice Missing | Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is outside the statute of limitations and will be rated a B. - Due Diligence Vendor-01/06/2026 | Acknowledged-RESPA:
Servicing Transfer Notice Missing. This finding is outside the statute of
limitations and will be rated a B. - Due Diligence Vendor-01/06/2026 |
WA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6942770 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1228 | XXXX System Seller | Closed | 2026-01-07 16:46 | 2026-02-02 08:02 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of XXXXXXX, Audit reports NMLSR of XXXXXXXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/08/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6970473 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1228 | XXXX System Seller | Closed | 2026-01-07 16:46 | 2026-02-02 08:02 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Purchase, Audit reports Loan Purpose of Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6970472 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1229 | XXXX System Seller | Closed | 2026-01-15 10:12 | 2026-02-02 08:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/20/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7111886 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1231 | XXXX System Seller | Closed | 2026-01-17 06:49 | 2026-02-02 08:03 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7153532 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1232 | XXXX System Seller | Closed | 2026-01-18 10:41 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Proof of Other Income - Pension, Retirement, Disability (Borrower) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower1's other retirement, pension, disability type of income in file. The lender guidelines require Newly established Retirement accounts to have 2 months proof of receipt. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/18/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
Credit
Score 88 Points above FICO requirement LOW LTV - LTV at least 20% below requirement Length of primary residence of 8 years 11 months. |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7156322 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1232 | XXXX System Seller | Closed | 2026-01-18 10:10 | 2026-02-02 08:04 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/18/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7156280 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1233 | XXXX System Seller | Closed | 2026-01-16 15:06 | 2026-02-02 08:04 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7145150 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1234 | XXXX System Seller | Closed | 2026-01-14 10:39 | 2026-02-02 08:05 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7088125 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1236 | XXXX System Seller | Closed | 2026-01-14 09:43 | 2026-02-02 08:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
NM | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7086341 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1240 | XXXX System Seller | Closed | 2026-01-15 14:12 | 2026-02-02 08:21 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7118911 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1242 | XXXX System Seller | Closed | 2026-01-09 14:48 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Paystub does not cover 1 month period and not within 30 days of note. - Due Diligence Vendor-01/09/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7015098 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1242 | XXXX System Seller | Closed | 2026-01-18 05:40 | 2026-02-02 08:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy - Due Diligence Vendor-01/18/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7155923 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1242 | XXXX System Seller | Closed | 2026-01-12 10:12 | 2026-01-18 06:05 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/12/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7042411 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1242 | XXXX System Seller | Closed | 2026-01-12 10:12 | 2026-01-18 06:04 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 Open- - Due Diligence Vendor-01/12/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XXX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated a B for all agencies. - Due
Diligence Vendor-01/12/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7042413 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1244 | XXXX System Seller | Closed | 2026-01-15 14:01 | 2026-02-02 08:22 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7118663 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1245 | XXXX System Seller | Closed | 2026-01-16 05:54 | 2026-02-02 08:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 7131959 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1245 | XXXX System Seller | Closed | 2026-01-08 12:15 | 2026-01-16 05:53 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated an EV2. - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/08/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the last Closing Disclosure. Since the lender credits
and principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated an EVB. - Due Diligence Vendor-01/16/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 6989847 | Originator Post-Close | No | ||||||
| XXXXX | OBX2026HYB1245 | XXXX System Seller | Closed | 2026-01-08 12:15 | 2026-01-16 05:52 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated an EVB. - Due Diligence
Vendor-01/16/2026 Open- - Due Diligence Vendor-01/16/2026 Open- - Due Diligence Vendor-01/08/2026 |
Acknowledged-A
Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess
Charges of ($0.00), and general or specific lender credit increases of
($X.XX) were applied to the total fee variance of ($XX.XX) between the
baseline disclosure and the actual fee amounts. Since the lender credits and
principal reduction (if applicable) are less than the total fee variance
amount, they are not sufficient to cure the variance. The finding is outside
the statute of limitations and will be rated an EVB. - Due Diligence
Vendor-01/16/2026 |
CO | Primary Residence | Refinance | Cash Out - Other | 6989846 | Originator Post-Close | No | ||||||
| XXXXX | OBX2026HYB1247 | XXXX System Seller | Closed | 2026-01-13 08:25 | 2026-02-02 08:23 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7059979 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1248 | XXXX System Seller | Closed | 2026-01-14 11:09 | 2026-02-02 08:24 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7088846 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1249 | XXXX System Seller | Closed | 2026-01-17 11:21 | 2026-02-02 08:24 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
PA | Primary Residence | Refinance | Cash Out - Other | 7154205 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1249 | XXXX System Seller | Closed | 2026-01-17 10:59 | 2026-01-20 13:40 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXXX XXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. NMLS ID
XXXXXXX is actually associated with XXXXXX XXXXXXXX XXXXXXXXXX and not XXXX
XXXX XXXX per NMLS. - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 |
Acknowledged-A
relationship between XXXXXXXX XXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. NMLS ID
XXXXXXXX is actually associated with XXXXXX XXXXXXXX XXXXXXXXXX and not XXXX
XXXX XXXX per NMLS. - Due Diligence Vendor-01/17/2026 |
PA | Primary Residence | Refinance | Cash Out - Other | 7154162 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1250 | XXXX System Seller | Closed | 2026-01-15 14:17 | 2026-02-02 08:25 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
NJ | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7119012 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1251 | XXXX System Seller | Closed | 2026-01-16 13:22 | 2026-01-29 11:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7143317 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1252 | XXXX System Seller | Closed | 2026-01-08 15:11 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited HLTV of 86.17% exceeds Guideline HCLTV of 80% .A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/08/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
1. Clean
credit history with no late or derogatory payments within 7 years 2. Residual Income - Strong net cash flow with over 6 months reserves annualized. 3. Credit score- 49 Points above FICO requirement. |
NC | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6993343 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1252 | XXXX System Seller | Closed | 2026-01-08 15:11 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited LTV of 86.17% exceeds Guideline LTV of 80% . A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/08/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
1. Clean
credit history with no late or derogatory payments within 7 years 2. Residual Income - Strong net cash flow with over 6 months reserves annualized. 3. Credit score- 49 Points above FICO requirement. |
NC | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6993344 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1252 | XXXX System Seller | Closed | 2026-01-08 15:11 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 86.17% exceeds Guideline CLTV of 80% . A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. - Due Diligence Vendor-01/08/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Clean credit history with no late or
derogatory payments within 7 years 2. Residual Income - Strong net cash flow with over 6 months reserves annualized. 3. Credit score- 49 Points above FICO requirement. |
NC | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 6993342 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1252 | XXXX System Seller | Closed | 2026-01-16 07:57 | 2026-02-02 08:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
NC | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7134471 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1253 | XXXX System Seller | Closed | 2026-01-09 12:58 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 45.73% exceeds Guideline DTI of 43% Approved Lender Exception in file for DTI over 43% up to 48%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/09/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Residual
Income Employment History 7 years Credit History - No derogatory payments/lates within 7 years |
CA | Primary Residence | Refinance | Cash Out - Other | 7012627 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1253 | XXXX System Seller | Closed | 2026-01-09 13:03 | 2026-02-02 08:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Purchase, Audit reports Loan Purpose of Rate/Term Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7012725 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1254 | XXXX System Seller | Closed | 2026-01-16 12:51 | 2026-01-29 11:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7142738 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1255 | XXXX System Seller | Closed | 2026-01-17 08:42 | 2026-02-02 08:28 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Purchase | NA | 7153840 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1255 | XXXX System Seller | Closed | 2026-01-12 15:00 | 2026-01-27 15:04 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-01/12/2026 |
Resolved-Post
incident inspection provided - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Purchase | NA | 7049769 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1256 | XXXX System Seller | Closed | 2026-01-16 15:55 | 2026-02-02 08:29 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7146131 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1257 | XXXX System Seller | Closed | 2026-01-14 15:36 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 48.54% exceeds Guideline DTI of 43% Lender exception in file allowing DTI up to 49%. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/14/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Comp Factors: Low LTV, Credit Score, Residual Income, Excess Reserves. | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7095344 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1257 | XXXX System Seller | Closed | 2026-01-14 15:17 | 2026-01-27 12:49 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/27/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/27/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7095062 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1258 | XXXX System Seller | Closed | 2026-01-14 11:43 | 2026-02-02 08:29 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7090226 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1259 | XXXX System Seller | Closed | 2026-01-17 10:38 | 2026-02-02 08:30 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7154136 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1259 | XXXX System Seller | Closed | 2026-01-17 10:05 | 2026-01-20 13:41 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXX XXXXXX (NMLS ID: XXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/17/2026 Open- - Due Diligence Vendor-01/18/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 |
Acknowledged-A
relationship between XXXX XXXXXX (NMLS ID: XXXXXXX) and the company (Company
NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX.
However, other relationship(s) were found in the NMLS Consumer Access for
this individual and may be found in the NMLS Info section. - Due Diligence
Vendor-01/17/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7154047 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1260 | XXXX System Seller | Closed | 2026-01-16 16:38 | 2026-02-02 08:30 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7146820 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1260 | XXXX System Seller | Closed | 2026-01-16 16:14 | 2026-01-17 12:50 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXX XXXXXXXXXXX (NMLS ID: XXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/16/2026 |
Acknowledged-A
relationship between XXXXXX XXXXXXXXXXX (NMLS ID: XXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-01/17/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7146404 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1261 | XXXX System Seller | Closed | 2026-01-16 11:37 | 2026-02-02 08:31 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7141349 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1262 | XXXX System Seller | Closed | 2026-01-13 13:20 | 2026-02-02 08:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7071659 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1262 | XXXX System Seller | Closed | 2026-01-13 13:20 | 2026-02-02 08:31 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Refinance, Audit reports Loan Purpose of Cashout Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
AZ | Primary Residence | Refinance | Cash Out - Other | 7071658 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1263 | XXXX System Seller | Closed | 2026-01-15 17:22 | 2026-02-02 08:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7124121 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1264 | XXXX System Seller | Closed | 2026-01-13 11:28 | 2026-02-02 08:33 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7068242 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1265 | XXXX System Seller | Closed | 2026-01-19 11:32 | 2026-02-02 08:33 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7167044 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1265 | XXXX System Seller | Closed | 2026-01-19 11:32 | 2026-02-02 08:33 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Refinance, Audit reports Loan Purpose of Cash-Out Refinancing. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7167042 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1265 | XXXX System Seller | Closed | 2026-01-19 10:19 | 2026-01-20 08:11 | Acknowledged | 2 - Non-Material | Compliance | Mavent | License: Loan Originator | Acknowledged-A
relationship between XXXXXXX XXXXXXX (NMLS ID: XXXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. LO
associated with Better Mortgage - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 Open- - Due Diligence Vendor-01/19/2026 |
Acknowledged-A
relationship between XXXXXXX XXXXXXX (NMLS ID: XXXXXXX) and the company
(Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of
XX/XX/XXXX. However, other relationship(s) were found in the NMLS Consumer
Access for this individual and may be found in the NMLS Info section. LO
associated with XXXXXX XXXXXXXX - Due Diligence Vendor-01/19/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7165964 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1266 | XXXX System Seller | Closed | 2026-01-16 15:52 | 2026-02-02 08:34 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7146100 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1267 | XXXX System Seller | Closed | 2026-01-16 17:51 | 2026-01-29 11:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7151143 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1268 | XXXX System Seller | Closed | 2026-01-14 15:10 | 2026-02-02 08:34 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7094961 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1269 | XXXX System Seller | Closed | 2026-01-15 10:54 | 2026-02-02 08:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7114374 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1270 | XXXX System Seller | Closed | 2026-01-16 12:48 | 2026-02-02 08:35 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7142655 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1271 | XXXX System Seller | Closed | 2026-01-15 09:53 | 2026-02-02 08:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7111093 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1272 | XXXX System Seller | Closed | 2026-01-13 17:15 | 2026-02-02 08:36 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXTo clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7075577 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1273 | XXXX System Seller | Closed | 2026-01-13 09:19 | 2026-02-02 08:37 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXX To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7062109 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1275 | XXXX System Seller | Closed | 2026-01-15 15:45 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 43.72% exceeds Guideline DTI of 43% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated - Due Diligence Vendor-01/15/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
Low LTV FICO of 764 clean credit history |
CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7121796 | Investor Post-Close | No | |||||
| XXXXX | OBX2026HYB1275 | XXXX System Seller | Closed | 2026-01-15 15:51 | 2026-02-02 08:39 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7121918 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1275 | XXXX System Seller | Closed | 2026-01-15 15:51 | 2026-02-02 08:39 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of purchase, Audit reports Loan Purpose of rate term refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 |
CO | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7121917 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1276 | XXXX System Seller | Closed | 2026-01-16 13:45 | 2026-02-02 08:40 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXX. Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
GA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7143701 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1277 | XXXX System Seller | Closed | 2026-01-15 17:12 | 2026-02-02 08:43 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7123770 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1278 | XXXX System Seller | Closed | 2026-01-13 07:50 | 2026-03-09 06:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Initial Loan Application | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/02/2026 Ready for Review-Loan Application attached. Please clear. - Due Diligence Vendor-01/30/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/13/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/02/2026 |
XXXXXXX_1.pdf | CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7059142 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1278 | XXXX System Seller | Closed | 2026-01-13 15:49 | 2026-02-02 08:44 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review- - Due Diligence Vendor-01/30/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy .Lender Tape reports ULI of XXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 7074541 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1279 | XXXX System Seller | Closed | 2026-01-15 07:54 | 2026-02-02 08:47 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/15/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7107724 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1280 | XXXX System Seller | Closed | 2026-01-13 10:17 | 2026-02-02 08:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7064852 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1280 | XXXX System Seller | Closed | 2026-01-13 08:53 | 2026-01-13 08:53 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/13/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/13/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7060919 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1281 | XXXX System Seller | Closed | 2026-01-14 11:50 | 2026-02-02 08:48 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/14/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Purchase | NA | 7090375 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1281 | XXXX System Seller | Closed | 2026-01-14 11:16 | 2026-01-17 13:30 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of
($0.00). The following actual fees submitted as "lender credits"
have decreased below their baseline amounts (General Lender Credit).
Non-specific lender credits are generalized payments that do not pay for a
particular fee. Specific lender credits are specific payments to pay for a
specific fee. The total amount of non-specific and specific lender credits
cannot decrease unless a new disclosure is provided and there is a valid
changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)
and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)).
This finding is outside the statute of limitations and will be rated a B for
all agencies. - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of
($0.00). The following actual fees submitted as "lender credits"
have decreased below their baseline amounts (General Lender Credit).
Non-specific lender credits are generalized payments that do not pay for a
particular fee. Specific lender credits are specific payments to pay for a
specific fee. The total amount of non-specific and specific lender credits
cannot decrease unless a new disclosure is provided and there is a valid
changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3)
and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)).
This finding is outside the statute of limitations and will be rated a B for
all agencies. - Due Diligence Vendor-01/14/2026 |
WA | Primary Residence | Purchase | NA | 7089038 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1281 | XXXX System Seller | Closed | 2026-01-14 11:16 | 2026-01-17 13:30 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit
amount of ($0.00). The following fees "lender credits" have
decreased below their baseline amounts (General Lender Credit). Non-specific
lender credits are generalized payments that do not pay for a particular fee.
Specific lender credits are specific payments to pay for a specific fee. The
total amount of non-specific and specific lender credits cannot decrease
unless a new disclosure is provided and there is a valid changed circumstance
associated with the re-disclosure, or the creditor provides an additional
credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v);
12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). This finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/14/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/17/2026 Open- - Due Diligence Vendor-01/14/2026 Open- - Due Diligence Vendor-01/14/2026 |
Acknowledged-The
baseline amount of non-specific (lump sum) lender credits and specific lender
credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit
amount of ($0.00). The following fees "lender credits" have
decreased below their baseline amounts (General Lender Credit). Non-specific
lender credits are generalized payments that do not pay for a particular fee.
Specific lender credits are specific payments to pay for a specific fee. The
total amount of non-specific and specific lender credits cannot decrease
unless a new disclosure is provided and there is a valid changed circumstance
associated with the re-disclosure, or the creditor provides an additional
credit for the increase in Closing Costs above the legal limit. (12 CFR
1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v);
12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). This finding is outside the statute
of limitations and will be rated a B for all agencies. - Due Diligence
Vendor-01/14/2026 |
WA | Primary Residence | Purchase | NA | 7089036 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1281 | XXXX System Seller | Closed | 2026-01-13 19:59 | 2026-01-13 19:59 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Acknowledged-RESPA: AfBA Disclosure is Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 | Acknowledged-RESPA:
AfBA Disclosure is Missing or Incomplete This finding is non-material and
will be rated a B for all agencies. - Due Diligence Vendor-01/14/2026 |
WA | Primary Residence | Purchase | NA | 7077660 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1282 | XXXX System Seller | Closed | 2026-01-20 09:20 | 2026-02-18 10:02 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 Ready for Review-Mortgage Statement attached - Due Diligence Vendor-02/17/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing evidence of PITIA for REO 2 from the final 1003. No mortgage statement was provided. Need evidence the amount from the credit report included escrows for taxes and insurance. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7179061 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1282 | XXXX System Seller | Closed | 2026-01-20 09:18 | 2026-02-18 10:00 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 Ready for Review-Mortgage Statement attached - Due Diligence Vendor-02/17/2026 Open-Missing evidence of PITIA for Property 2 from the final application. No mortgage statement was provided. Need evidence the amount from the credit report included escrows for taxes and insurance. - Due Diligence Vendor-01/20/2026 |
Resolved-Documentation
provided - cleared - Due Diligence Vendor-02/18/2026 |
XXXXXXX_1.pdf | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7179038 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1282 | XXXX System Seller | Closed | 2026-01-19 14:09 | 2026-01-29 11:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/19/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7169593 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1283 | XXXX System Seller | Closed | 2026-01-16 12:30 | 2026-02-02 08:49 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/30/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/16/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/02/2026 Resolved-ULI provided on tape and in loan file are both valid ULI numbers - condition cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Cash Out - Other | 7142322 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1284 | XXXX System Seller | Closed | 2026-01-17 08:24 | 2026-01-29 11:38 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXX Audit reports ULI of XXXXXXXXXXXXXXXXXX To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/17/2026 |
Resolved-ULI
provided on tape and in loan file are both valid ULI numbers - condition
cleared - Due Diligence Vendor-01/29/2026 |
CA | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | 7153795 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1285 | XXXX System Seller | Closed | 2026-01-13 14:05 | 2026-01-26 07:31 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Universal Loan Identifier (ULI) Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/26/2026 Ready for Review-Agree with audit - Due Diligence Vendor-01/24/2026 Open-Universal Loan Identifier (ULI) Discrepancy Lender Tape reports ULI of XXXXXXXXXXXXXXXXXX, Audit reports ULI of XXXXXXXXXXXXXXXXXXXXX. To clear this exception please agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/13/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/26/2026 |
WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7072841 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1285 | XXXX System Seller | Closed | 2026-01-13 12:14 | 2026-01-23 08:25 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-Borrower Non-US identity document expiration date is and note is dated XX/XX/XXXX. - Due Diligence Vendor-01/23/2026 Ready for Review-Here is the Patriot Act form for XXXX XXXX. Please clear condition. - Due Diligence Vendor-01/22/2026 Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-01/13/2026 |
Resolved-Documentation
provided - condition cleared - Due Diligence Vendor-01/23/2026 Resolved-Borrower Non-US identity document expiration date is and note is dated 11-02-2021. - Due Diligence Vendor-01/23/2026 |
XXXXXXX_1.pdf | WA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7069710 | N/A | N/A | |||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 10:33 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298059 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 10:33 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298058 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 10:17 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Initial Loan Application | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7297083 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 10:33 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298061 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 10:56 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing There are 18 days between the VVOE and Note Date - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7298489 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 15:26 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Mortgage Loan Originator NMLSR Identifier Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Mortgage Loan Originator NMLSR Identifier Discrepancy Lender Tape reports NMLSR of NA, Audit reports NMLSR of XXXX (Missing). To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7303250 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 15:26 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7303252 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 15:26 | 2026-02-11 10:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Purpose Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of NA, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MI | Primary Residence | Purchase | NA | 7303249 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 15:26 | 2026-02-11 10:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Discount Points Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7303253 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1019 | XXXX System Seller | Closed | 2026-01-26 15:26 | 2026-02-09 17:02 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXX,XXX, Audit reports Property Value of $XXX,XXX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
MI | Primary Residence | Purchase | NA | 7303251 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:29 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299173 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:29 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299172 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:13 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Purchase Contract | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Purchase Contract - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299970 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:26 | 2026-02-23 08:39 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $13543.52 - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300294 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:29 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299176 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:29 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Borrower Identification - Borrower 2 | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Borrower Identification - Borrower 2. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299177 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:23 | 2026-02-23 08:27 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Missing Initial Loan Application | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-The Initial 1003 is Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299032 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:05 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Evidence of Property Tax Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Evidence of Property Tax - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299844 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:26 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $0.00 less cash to close of $3304.43 and less unverified EMD of $XXXX results in $-10804.43 shortage of funds to close. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300295 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 08:19 | Acknowledged | 2 - Non-Material | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299301 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 WVOE Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 WVOE Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299299 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299300 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299298 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:45 | 2026-02-23 08:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299489 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:45 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299488 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Paystubs Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299297 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 07:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299296 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:35 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299295 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:37 | 2026-02-23 07:41 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 8 month(s) - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300565 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:37 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited Loan Amount of $XXXXXX is less than the Guideline Minimum Loan Amount of $XXXXXXX.XX - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300564 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:37 | 2026-02-23 07:35 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited FICO of 706 is less than Guideline FICO of 720 - Due Diligence Vendor-01/26/2026 |
Acknowledged-Guideline
Exception - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300563 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:37 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited DTI of 49.29% exceeds Guideline DTI of 43% - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300562 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:37 | 2026-02-23 07:23 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Audited CLTV of 100% exceeds Guideline CLTV of 90% - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300561 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:26 | 2026-02-23 07:08 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Asset 1 Missing | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Asset 1 Missing - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7300292 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:29 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/26/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
MI | Primary Residence | Purchase | NA | 7299171 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:43 | 2026-02-11 10:32 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Total Loan Costs Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0.00, Audit reports Total Loan Cost of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7300667 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:43 | 2026-02-11 10:15 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Open-Loan Purpose Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of not applicable, Audit reports Loan Purpose of Purchase. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
MI | Primary Residence | Purchase | NA | 7300664 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:43 | 2026-02-11 10:06 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Discount Points Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Open-Discount Points Discrepancy - Due Diligence Vendor-02/09/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Discount Points Discrepancy Lender Tape reports Discount Points of $0.00, Audit reports Discount Points of $XXXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agreed with audit - condition cleared - Due Diligence Vendor-02/11/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
MI | Primary Residence | Purchase | NA | 7300668 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:43 | 2026-02-09 17:11 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Property Value Discrepancy | Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 Open-Property Value Discrepancy Lender Tape reports Property Value of $XXXXXX.XX, Audit reports Property Value of $XXXXXX.XX. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/26/2026 |
Resolved-Confirmed
Sales Price - cleared - Due Diligence Vendor-02/09/2026 Resolved-Property Value Discrepancy rectified - Due Diligence Vendor-02/09/2026 |
MI | Primary Residence | Purchase | NA | 7300666 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:59 | 2026-02-02 12:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial TIL | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial TIL (Truth in Lending) is missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
MI | Primary Residence | Purchase | NA | 7299705 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:59 | 2026-02-02 12:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Missing Initial Good Faith Estimate | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is missing. - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
MI | Primary Residence | Purchase | NA | 7299704 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:13 | 2026-02-02 12:20 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | PUD Rider is Missing | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
MI | Primary Residence | Purchase | NA | 7299971 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 12:27 | 2026-01-27 16:39 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) (TILA) | Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $100 below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). Audit used an index
of 2.08716% for calculation, which fails compliance. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 Open- - Due Diligence Vendor-01/26/2026 |
Acknowledged-The
disclosed finance charge ($XXX,XXX.XX) is ($XX,XXX.XX) below the actual
finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed
finance charge inaccurate if it is more than $XXX below the actual finance
charge. (12 CFR Sec. 1026.18(d)(1); OSC 17(c)(2)(ii)-1). Audit used an index
of 2.08716% for calculation, which fails compliance. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. The finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |
MI | Primary Residence | Purchase | NA | 7300321 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1020 | XXXX System Seller | Closed | 2026-01-26 11:50 | 2026-01-26 11:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-01/26/2026 | Acknowledged-Privacy
Notice Required - Missing or Incomplete. This finding is non-material and
will be rated a B for all agencies - Due Diligence Vendor-01/26/2026 |
MI | Primary Residence | Purchase | NA | 7299562 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 07:10 | 2026-02-23 08:58 | Acknowledged | 2 - Non-Material | Credit | Missing Doc | Third Party Fraud Report not Provided | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7309046 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 07:10 | 2026-02-23 08:46 | Acknowledged | 2 - Non-Material | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7309045 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 07:27 | 2026-02-23 07:48 | Acknowledged | 2 - Non-Material | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-Borrower 1 Credit Report is Partially Present. Borrower credit report in file is not legible. - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7309226 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 07:10 | 2026-02-23 06:58 | Acknowledged | 2 - Non-Material | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-01/27/2026 |
Acknowledged-Seasoned
Loans - Downgrade B - Due Diligence Vendor-02/23/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7309044 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 08:58 | 2026-02-02 12:21 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | Initial GFE Disclosure is Incomplete | Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 Open-Initial GFE (Good Faith Estimate) is incomplete. - Due Diligence Vendor-01/27/2026 |
Acknowledged-The
finding is outside the statute of limitations and will be rated a B for all
agencies. - Due Diligence Vendor-02/02/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7310701 | Investor Post-Close | No | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 09:53 | 2026-01-29 11:01 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Loan Purpose Discrepancy | Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 Open-Loan Purpose Discrepancy Lender Tape reports Loan Purpose of Not Applicable, Audit reports Loan Purpose of Refinance. To clear this exception, please either agree with audit figures or provide evidence to Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agreed with audit - condition cleared - Due Diligence Vendor-01/29/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/29/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7312350 | N/A | N/A | ||||||
| XXXXX | OBX2026HYB1286 | XXXX System Seller | Closed | 2026-01-27 09:53 | 2026-01-28 15:08 | Resolved | 1 - Information | Compliance | Data | HMDA Discrepancy: Total Loan Costs Discrepancy | Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Open-Total Loan Costs Discrepancy Lender Tape reports Total Loan Cost of $0, Audit reports Total Loan Cost of $X,XXX.XX. To clear this exception, please either agree with audit figures or provide evidence of Lender Tape data accuracy. - Due Diligence Vendor-01/27/2026 |
Resolved-Lender
agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 Resolved-Lender agrees with audit - condition cleared - Due Diligence Vendor-01/28/2026 |
IL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 7312353 | N/A | N/A |