Exhibit 99.01 Schedule 1
| ALT ID | Loan ID | Seller | Seller Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| OBX2026AHC3000021 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 12:02 | 2026-06-23 17:22 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/23/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Provide a legible copy of the LE dated within 3-business days of initial application. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/23/2026 |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000021 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 12:02 | 2026-06-23 17:22 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/23/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Provide a legible copy of the SSPL within 3-business days of initial application. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/23/2026 |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000021 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 12:02 | 2026-06-23 17:22 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due
Diligence Vendor-06/23/2026 Acknowledged- - Due Diligence Vendor-06/23/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Provide a legible copy of the homeownership counseling organization disclosure within 3-business days of application. Application date reflected on these pages: 250, 418, 553, and 596. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Acknowledged- - Due Diligence Vendor-06/23/2026 |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000042 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:45 | 2026-06-24 11:16 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-XXXXX XXXX is
closed on Saturday's, reran compliance with M-F only. - Due Diligence
Vendor-06/24/2026 Resolved-Resolved - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/09/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Provide a legible copy of the initial LE within 3-business days of the initial application. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-XXXXX XXXX is
closed on Saturday's, reran compliance with M-F only. - Due Diligence
Vendor-06/24/2026 Resolved-Resolved - Due Diligence Vendor-06/24/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000042 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:45 | 2026-06-24 11:15 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/09/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Provide a legible copy of the SSPL within 3-business days of the initial application. The initial application date was taken from pages 141 & 282. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/24/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000042 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:59 | 2026-06-22 09:54 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due
Diligence Vendor-06/22/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Provide a legible copy of the appraisal disclosure within 3-business days of initial application. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000045 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 02:17 | 2026-06-16 14:17 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000045 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-11 11:55 | 2026-06-16 14:17 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/16/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/11/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/16/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000045 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 02:24 | 2026-06-08 15:02 | 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-06/08/2026 | Acknowledged-RESPA: Toolkit
Missing or Incomplete. This finding is non-material and will be rated a B for
all agencies. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000046 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 04:39 | 2026-06-23 16:50 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000046 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 04:28 | 2026-06-11 11:58 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000053 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:33 | 2026-06-16 08:51 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Condition
resolved; Informative only - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Hello, the borrower re-executed the notice of right to cancel after disbursement. This should confirm the borrower did not execute their right to cancel. - Buyer-06/11/2026 Open- - Due Diligence Vendor-06/09/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) Provide a legible copy of the PCCD reflecting the correct disbursement date. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Condition
resolved; Informative only - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Revised Right to Cancel.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000053 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:33 | 2026-06-16 08:06 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved- - Due Diligence
Vendor-06/16/2026 Ready for Review-Document Uploaded. Hello, the borrower re-executed the notice of right to cancel after disbursement. This should confirm the borrower did not execute their right to cancel. - Seller-06/11/2026 Open- - Due Diligence Vendor-06/09/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Provide a legible copy of the PCCD reflecting the correct disbursement date. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. Hello, the borrower re-executed the notice of right to cancel after
disbursement. This should confirm the
borrower did not execute their right to cancel. - Seller-06/11/2026 |
Resolved- - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Revised Right to Cancel.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000060 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 14:21 | 2026-06-16 09:00 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-XXXXXXXXX is
closed on Saturday's. Not counting the Saturday, the appraisal was provided
within the allowed timelines. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/15/2026 Open-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. Per appraisal, client was sent appraisal on XX/XX/XXXX, however, later requested correction to remove people from photos. See page 38 - Due Diligence Vendor-06/09/2026 |
Resolved-XXXXXXXXX is
closed on Saturday's. Not counting the Saturday, the appraisal was provided
within the allowed timelines. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender Attestation.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000060 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 10:13 | 2026-06-11 09:49 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due
Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) 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) - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_Funding
Worksheet.pdf XXXXXXXXXX_XXXXXXXXXX_PCCD.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000065 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 08:04 | 2026-06-11 12:07 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Condition
acknowledged. - Due Diligence Vendor-06/11/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/08/2026 |
Acknowledged-Condition
acknowledged. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000065 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:49 | 2026-06-11 12:06 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000073 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 05:49 | 2026-06-17 09:03 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due
Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached LOE confirming XXXXXXXX XXXX XXXXXXXX is closed on Saturdays. - Buyer-06/16/2026 Counter-Hello, please provide attestation or documentation XXXXXXXX XXXX XXXXXXXX is closed on Saturdays for re-review. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, the seller's office is closed for business on Saturdays. XX/XX/XXXX would be within three business days of XX/XX/XXXX. - Buyer-06/10/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000073 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 05:49 | 2026-06-17 09:03 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Hello, please see the attached LOE confirming XXXXXXXX XXXX XXXXXXXX is closed on Saturdays. - Seller-06/16/2026 Counter-Hello, please provide attestation or documentation XXXXXXXX XXXX XXXXXXXX is closed on Saturdays for re-review. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Hello, the seller's office is closed for business on Saturdays. XX/XX/XXXX would be within three business days of XX/XX/XXXX. - Seller-06/10/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. Hello, please see the attached LOE confirming XXXXXXXX XXXX
XXXXXXXX is closed on Saturdays. - Seller-06/16/2026 Ready for Review-Document Uploaded. Hello, the seller's office is closed for business on Saturdays. XX/XX/XXXX would be within three business days of 3/5/2026. - Seller-06/10/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000075 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 13:36 | 2026-06-19 13:27 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Lender
provided explanation of appraisal update - Due Diligence Vendor-06/19/2026
Ready for Review-Document Uploaded. - Buyer-06/18/2026 Counter-Evaluation is based on Date of Signature and Report. Per appraisal, that date is XX/XX/XXXX. The appraisal delivery must be on or after this date. Condition remains. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-06/09/2026 |
Acknowledged-Lender
provided explanation of appraisal update - Due Diligence Vendor-06/19/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal POD.pdf XXXXXXXXXX_XXXXXXXXXX_Lender Letter of explanation.pdf XXXXXXXXXX_XXXXXXXXXX_LOE.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | |||||
| OBX2026AHC3000075 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 08:06 | 2026-06-18 10:18 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-Acknowledgment of
Fair Market Value disclosure received. Resolved. - Due Diligence
Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - Due Diligence Vendor-06/08/2026 |
Resolved-Acknowledgment of
Fair Market Value disclosure received. Resolved. - Due Diligence
Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_Ack of Fair Market Value.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000078 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:15 | 2026-06-23 16:50 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000078 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:03 | 2026-06-11 12:00 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000079 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 11:46 | 2026-06-11 10:08 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out Of Scope. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 Rescinded-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Out Of Scope. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000079 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 13:12 | 2026-06-11 10:08 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 Ready for Review-Document Uploaded. 6/10/2026: XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXX IS CLOSED ON SATURDAYS. PLEASE SEE ATTACHED - Seller-06/10/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. 6/10/2026: XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXXX IS CLOSED ON
SATURDAYS. PLEASE SEE ATTACHED - Seller-06/10/2026 |
Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 |
XXXXXXXXXX_XXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000079 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 11:46 | 2026-06-11 10:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. 6/10/2026: XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXX IS CLOSED ON SATURDAYS. PLEASE SEE ATTACHED - Seller-06/10/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is (XX/XX/XXXX); however, the initial disclosures were not provided until (XX/XX/XXXX). Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. 6/10/2026: XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXXXXXX IS CLOSED ON
SATURDAYS. PLEASE SEE ATTACHED - Seller-06/10/2026 |
Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 |
XXXXXXXXXX_XXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000079 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 11:46 | 2026-06-11 10:05 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 Open- - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. 6/10/2026: XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXX IS CLOSED ON SATURDAYS. PLEASE SEE ATTACHED - Seller-06/10/2026 Open- - Due Diligence Vendor-06/08/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. 6/10/2026: XXXXXXXX XXXXXXXXX XXXXXXXX XXXXXXXXXXXXX IS CLOSED ON
SATURDAYS. PLEASE SEE ATTACHED - Seller-06/10/2026 |
Resolved-Received
documentation lender closed on Saturdays. Resolved. - Due Diligence
Vendor-06/11/2026 |
XXXXXXXXXX_XXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000080 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 10:02 | 2026-06-16 12:56 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Finding cleared
based on previous credit report dated prior to closing - Due Diligence
Vendor-06/16/2026 Ready for Review-Document Uploaded. Loan closed/disbursed on XX/XX/XXXX. The credit report dated XX/XX/XXXXis after closing and disbursement, therefore, the liabilities do not need to be updated. - Buyer-06/11/2026 Counter-Loan file contains updated credit report dated XX/XX/XXXX, increased balanced noted and utilized in audit. Condition remains - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Calculation of liabilities from the Credit Report ID referenced on the LPA: XXXXXXXX, results in a DTI of 46.84%. Uploaded LPA, credit report referenced on LPA and final 1003. - Buyer-06/10/2026 Open-Audited DTI of 50.36% exceeds AUS DTI of 50%. The AUS reflects a maximum allowable DTI of 50%. Due to the improper calculation of debts, the actual DTI is 50.36%. - Due Diligence Vendor-06/08/2026 |
Resolved-Finding cleared
based on previous credit report dated prior to closing - Due Diligence
Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Credit
Report -LPA-1003.pdf XXXXXXXXXX_XXXXXXXXXX_Settlement Statement.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000083 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 13:52 | 2026-06-11 10:37 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received
documentation reflecting taxes & insurance escrowed for property 3a.
Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Uploaded mortgage statement, tax and HOI for property 3a referenced on the REO. - Buyer-06/10/2026 Open-Missing documentation of the mortgage statement verifying that REO 3a from the 1003 is escrowed with taxes and insurance. - Due Diligence Vendor-06/08/2026 |
Resolved-Received
documentation reflecting taxes & insurance escrowed for property 3a.
Resolved. - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_PITI.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000086 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 08:13 | 2026-06-24 08:24 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Lender sent in
updated 1008 and LP showing higher income being used for Borrower1, which the
DTI at 16.358 - Due Diligence Vendor-06/24/2026 Resolved-Audited DTI of 17.49% is less than or equal to AUS DTI of 19% - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. Uploaded revised 1008 and AUS (LP). - Buyer-06/23/2026 Open-Audited DTI of 31.67% exceeds AUS DTI of 31% Audit was unable to support the income used by the lender to qualify the loan. Total income used by the lender was $XX,XXX.XX/mo and Audit calculated $XX,XXX.XX/mo. The difference was in the B2 S-Corp calculation. Lender DTI per the 1008 was 28.32% (LP rounded down to 28%) and the Audit DTI is 31.67%, which is > the allowed 3% tolerance. - Due Diligence Vendor-06/10/2026 |
Resolved-Lender sent in
updated 1008 and LP showing higher income being used for Borrower1, which the
DTI at 16.358 - Due Diligence Vendor-06/24/2026 Resolved-Audited DTI of 17.49% is less than or equal to AUS DTI of 19% - Due Diligence Vendor-06/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_1008 LPA.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000088 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 08:58 | 2026-06-18 11:00 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Hello, please see the attached tracking details of the delivery of the appraisal to the borrower. - Seller-06/16/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. Hello, please see the attached tracking details of the delivery of
the appraisal to the borrower. - Seller-06/16/2026 |
Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal Tracking.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000088 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:59 | 2026-06-11 11:24 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Buyer-06/10/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000088 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:09 | 2026-06-11 11:24 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Buyer-06/10/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-06/08/2026 |
Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000096 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:32 | 2026-06-11 12:10 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Condition
acknowledged: AVM supports value, grading B - Due Diligence Vendor-06/11/2026
Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/08/2026 |
Acknowledged-Condition
acknowledged: AVM supports value, grading B - Due Diligence
Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000096 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:07 | 2026-06-11 12:09 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000103 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 12:44 | 2026-06-23 16:49 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/09/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000103 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 12:44 | 2026-06-23 16:49 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/09/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000106 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 15:00 | 2026-06-16 11:44 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Ready for Review-Document
Uploaded. - Buyer-06/11/2026 Open-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-06/08/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal POD Lender LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000109 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 08:04 | 2026-07-01 07:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received LOX
stating XX/XX/XXXX app date. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Seller-06/30/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) Provide a legible copy of the SSPL within 3-business days of the initial application (application date per loan detail report and rate lock). - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Ready for Review-Document
Uploaded. - Seller-06/30/2026 |
Resolved-Received LOX
stating XX/XX/XXXX app date. - Due Diligence Vendor-07/01/2026 |
XXXXXXXXXX_XXXX_Rate Lock
Agreement.pdf XXXXXXXXXX_XXXX_Inital Loan Estimate.pdf XXXXXXXXXX_XXXX_SSPL.pdf XXXXXXXXXX_XXXX_Intial 1003.pdf XXXXXXXXXX_XXXX_Lender LOE.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000109 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 08:04 | 2026-07-01 07:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received LOX
stating XX/XX/XXXX app date. - Due Diligence Vendor-07/01/2026 Ready for Review-Document Uploaded. - Buyer-06/30/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Provide a legible copy of the LE within 3-business days of the initial application (application date per loan detail report and rate lock). - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-Received LOX
stating XX/XX/XXXX app date. - Due Diligence Vendor-07/01/2026 |
XXXXXXXXXX_XXXX_SSPL.pdf XXXXXXXXXX_XXXX_Inital Loan Estimate.pdf XXXXXXXXXX_XXXX_Lender LOE.pdf XXXXXXXXXX_XXXX_Rate Lock Agreement.pdf XXXXXXXXXX_XXXX_Intial 1003.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000109 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 08:04 | 2026-07-01 07:56 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Received LOX
stating 3/24 app date. - Due Diligence Vendor-07/01/2026 Acknowledged- - Due Diligence Vendor-06/23/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Provide a legible copy of the homeownership counseling organization disclosure within 3-business days of the initial application (application date per loan detail report and rate lock). - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/10/2026 |
Resolved-Received LOX
stating XX/XX/XXXX app date. - Due Diligence Vendor-07/01/2026 Acknowledged- - Due Diligence Vendor-06/23/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000112 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 14:32 | 2026-06-17 08:42 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Comment for
1002.14 - Rules on Providing Appraisals and Valuations 7. Multiple versions of appraisals or valuations. For purposes of ? 1002.14(a)(1), the reference to “all” appraisals and other written valuations does not refer to all versions of the same appraisal or other valuation. If a creditor has received multiple versions of an appraisal or other written valuation, the creditor is required to provide only a copy of the latest version received. If, however, a creditor already has provided a copy of one version of an appraisal or other written valuation to an applicant, and the creditor later receives a revision of that appraisal or other written valuation, then the creditor also must provide the applicant with a copy of the revision to comply with 1002.14(a)(1). If a creditor receives only one version of an appraisal or other valuation that is developed in connection with the applicant's application, then that version must be provided to the applicant to comply with 1002.14(a)(1). See also comment 14(a)(1)-4 above. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/12/2026 Open-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. Additional conditions may apply. - Due Diligence Vendor-06/09/2026 |
Acknowledged-Comment for
1002.14 - Rules on Providing Appraisals and Valuations 7. Multiple versions of appraisals or valuations. For purposes of ? 1002.14(a)(1), the reference to “all” appraisals and other written valuations does not refer to all versions of the same appraisal or other valuation. If a creditor has received multiple versions of an appraisal or other written valuation, the creditor is required to provide only a copy of the latest version received. If, however, a creditor already has provided a copy of one version of an appraisal or other written valuation to an applicant, and the creditor later receives a revision of that appraisal or other written valuation, then the creditor also must provide the applicant with a copy of the revision to comply with 1002.14(a)(1). If a creditor receives only one version of an appraisal or other valuation that is developed in connection with the applicant's application, then that version must be provided to the applicant to comply with 1002.14(a)(1). See also comment 14(a)(1)-4 above. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender Appraisal Attestation.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||
| OBX2026AHC3000115 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 08:57 | 2026-06-11 11:50 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Per appraisal,
property is new construction. Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties Missing the Right to Cancel. Only a Lender form Election not to Cancel was located in the file, but does not meet requirements. - Due Diligence Vendor-06/10/2026 |
Resolved-Per appraisal,
property is new construction. Resolved. - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000115 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 15:32 | 2026-06-11 11:49 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Per appraisal,
property is new construction. Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Per appraisal,
property is new construction. Resolved. - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000117 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 15:28 | 2026-06-16 10:27 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit
provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-RESPA: Toolkit Missing or Incomplete. Toolkit is missing from loan file. Additional conditions may apply. - Due Diligence Vendor-06/08/2026 |
Resolved-RESPA: Toolkit
provided. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Toolkit-Tracking.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000118 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 10:45 | 2026-06-19 13:21 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Lender
acknowledged that the borrower received a copy of the original appraisal and
that the appraisal was only updated with a minor reporting error. - Due
Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. - Buyer-06/18/2026 Counter-Evaluation is based on Date of Signature and Report. Per appraisal, that date is XX/XX/XXXX. The appraisal delivery must be on or after this date. Condition remains. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-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-06/08/2026 |
Acknowledged-Lender
acknowledged that the borrower received a copy of the original appraisal and
that the appraisal was only updated with a minor reporting error. - Due
Diligence Vendor-06/19/2026 |
XXXXXXXXXX_XXXXXXXXXX_
Lender Attestation-Appraisal.pdf XXXXXXXXXX_XXXXXXXXXX_LOE.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | |||||
| OBX2026AHC3000120 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 10:51 | 2026-06-18 10:21 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/18/2026 Resolved-Privacy Notice received. Resolved. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/08/2026 |
Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/18/2026 Resolved-Privacy Notice received. Resolved. - Due Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_Privacy policy.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000121 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 06:18 | 2026-06-16 10:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Borrower ID. - Buyer-06/11/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-06/08/2026 |
Resolved-Borrower
Identification - Borrower 1 provided. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXX_Borrower ID.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000121 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:24 | 2026-06-16 10:39 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-06/08/2026 |
Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXX_TOOLKIk AND PRIVACY NOTICE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000121 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:24 | 2026-06-16 10:39 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit
provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-06/08/2026 |
Resolved-RESPA: Toolkit
provided. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXX_TOOLKIk AND PRIVACY NOTICE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000123 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 09:24 | 2026-06-22 09:54 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due
Diligence Vendor-06/22/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX - Due Diligence Vendor-06/10/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal Delivery-LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000126 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:07 | 2026-06-11 12:38 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/09/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000134 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 09:35 | 2026-06-22 09:57 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged- - Due
Diligence Vendor-06/22/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-06/09/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000135 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:23 | 2026-06-23 16:51 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000135 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 06:57 | 2026-06-11 12:45 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000148 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 08:45 | 2026-06-16 17:13 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. 6/12/2026: Please see attached Disclosure tracking - Buyer-06/12/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/09/2026 |
Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_appraisal POD.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000148 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 08:45 | 2026-06-16 17:12 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. 6/12/2026: Please see attached Private Notice Disclosure - Buyer-06/12/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-06/09/2026 |
Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Privacy notice Disclosure.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000152 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:51 | 2026-06-16 08:50 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Finding resolved -
Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/15/2026 Open-Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-06/09/2026 |
Resolved-Finding resolved -
Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Privacy Policy.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000155 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:54 | 2026-06-11 11:44 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent
documentation received. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-E-Consent documentation is missing for borrower(s). E-sign Document Missing - Due Diligence Vendor-06/08/2026 |
Resolved-E-Consent
documentation received. - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_eConsent.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000160 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:57 | 2026-06-11 12:53 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Condition
acknowledged; RA property grading B - Due Diligence Vendor-06/11/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/10/2026 |
Acknowledged-Condition
acknowledged; RA property grading B - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000160 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:24 | 2026-06-11 12:53 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/10/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000168 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 09:52 | 2026-06-16 10:34 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/16/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Documents Provided within 3 Business Days - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document
Uploaded. - Seller-06/16/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Letter
of Attestation.pdf XXXXXXXXXX_XXXXXXXXXX_compliance timeline.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000168 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 09:52 | 2026-06-16 10:34 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/16/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Letter
of Attestation.pdf XXXXXXXXXX_XXXXXXXXXX_compliance timeline.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000168 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 09:52 | 2026-06-16 10:34 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/16/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Letter
of Attestation.pdf XXXXXXXXXX_XXXXXXXXXX_compliance timeline.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000180 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 04:37 | 2026-06-16 12:57 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Missing or Incomplete. Appraisal disclosure is in the file and has been verified to have been disclosed the same day as the application date. - Due Diligence Vendor-06/09/2026 | Acknowledged-ECOA
Non-Compliant: Appraisal Disclosure Missing or Incomplete. Appraisal
disclosure is in the file and has been verified to have been disclosed the
same day as the application date. - Due Diligence Vendor-06/09/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000180 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 11:23 | 2026-06-11 13:06 | Resolved | 1 - Information | Property | Missing Doc | Missing Second Appraisal (Property) | Resolved-Second appraisal
was provided - Due Diligence Vendor-06/11/2026 Open-The lender's guidelines requires two appraisals and the second appraisal was not provided. Secondary Valuation within 10% variance of the PIW amount was missing from the file. - Due Diligence Vendor-06/10/2026 |
Resolved-Second appraisal
was provided - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000180 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 04:37 | 2026-06-11 13:03 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Condition
acknowledged, RA property rating B - Due Diligence Vendor-06/11/2026 Open-Value grade equals B, loan approved with a PIW. The Property Grade cannot go higher than grade B for Agency loans with PIW. - Due Diligence Vendor-06/09/2026 |
Acknowledged-Condition
acknowledged, RA property rating B - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000188 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 13:03 | 2026-07-02 10:11 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-06/11/2026 Ready for Review-Document Uploaded. Documentation of HOI and HOA fees for XXX XXXXXXXX received. Uploaded - Buyer-06/11/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing HOI ad HOA for XXXX - Due Diligence Vendor-06/09/2026 |
Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements - Due Diligence
Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_HOI and HOA fees.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000188 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 13:04 | 2026-06-11 11:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved- Evidence of HOA
Dues for REO1 received. Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Documentation of HOI and HOA fees for XXX XXXXXXX received. Uploaded - Buyer-06/11/2026 Open-Missing Evidence of HOA Dues for REO1 - Due Diligence Vendor-06/09/2026 |
Resolved- Evidence of HOA
Dues for REO1 received. Resolved. - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_HOI and HOA fees.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000188 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 09:16 | 2026-06-11 11:38 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Evidence of
Insurance for REO received. Resolved - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Documentation of HOI and HOA fees for XXX XXXXXXX received. Uploaded. - Buyer-06/11/2026 Open-Missing Evidence of Insurance for REO - Due Diligence Vendor-06/08/2026 |
Resolved-Evidence of
Insurance for REO received. Resolved - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_HOI and HOA fees.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000199 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 13:42 | 2026-06-24 09:48 | Resolved | 1 - Information | Compliance | Mavent | NJ Fee Not Allowed- Verification Fee (Fee ID: 553) | Resolved-Lender provided
PCCD to show cure of XXX.XX for XX fees not allowed with explanation to the
borrower and proof of delivery to the borrower. Condition resolved. - Due
Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Counter-Hello, these finding is valid once fees are being paid to the lender. Requirements to cure are a Letter of Explanation to the borrower, Corrected PCCD, and Proof of Delivery to Borrower. Please provide copy of check once available and condition will be Cured and downgraded. Condition maintained. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Seller-06/10/2026 Open-Section 3:1-16.2 of the XXX XXXXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Verification Fee (Fee ID: 553) to be charged to the Borrower in XX. invalid Finding - Finding Rescinded - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. - Seller-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/10/2026 |
Resolved-Lender provided
PCCD to show cure of XXX.XX for XX fees not allowed with explanation to the
borrower and proof of delivery to the borrower. Condition resolved. - Due
Diligence Vendor-06/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000199 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 13:42 | 2026-06-24 09:48 | Resolved | 1 - Information | Compliance | Mavent | NJ Fee Not Allowed- Administration Fee (Fee ID: 141) | Resolved-Lender provided
PCCD to show cure of XXX.XX for XX fees not allowed with explanation to the
borrower and proof of delivery to the borrower. Condition resolved. - Due
Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Counter-Hello, these finding is valid once fees are being paid to the lender. Requirements to cure are a Letter of Explanation to the borrower, Corrected PCCD, and Proof of Delivery to Borrower. Please provide copy of check once available and condition will be Cured and downgraded. Condition maintained. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Seller-06/10/2026 Open-Section 3:1-16.2 of the XXX XXXXXX Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow Administration Fee (Fee ID: 141) to be charged to the Borrower in XX. invalid Finding - Finding Rescinded - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Document
Uploaded. - Seller-06/10/2026 |
Resolved-Lender provided
PCCD to show cure of XXX.XX for XX fees not allowed with explanation to the
borrower and proof of delivery to the borrower. Condition resolved. - Due
Diligence Vendor-06/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000204 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 14:12 | 2026-06-12 15:55 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-06/08/2026 | Acknowledged-RESPA: Toolkit
Missing or Incomplete. - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000215 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 07:28 | 2026-06-18 10:57 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Hello, please see the attached proof of delivery. - Seller-06/16/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document
Uploaded. Hello, please see the attached proof of delivery. -
Seller-06/16/2026 |
Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal Delivery.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000215 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 07:13 | 2026-06-11 11:20 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Buyer-06/10/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000215 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:29 | 2026-06-11 11:20 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Seller-06/10/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Ready for Review-Hello, per
1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission.
1026.2(24) defines residential mortgage transaction as, "a transaction
in which a mortgage, deed of trust, purchase money security interest arising
under an installment sales contract, or equivalent consensual security
interest is created or retained in the consumer's principal dwelling to
finance the acquisition or initial construction of that dwelling." The
transaction is the refinance of a loan used to construct the dwelling,
therefore rescission does not apply to this loan. - Seller-06/10/2026 |
Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000215 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:29 | 2026-06-11 11:20 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Buyer-06/10/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties Right to cancel document is missing - Due Diligence Vendor-06/09/2026 |
Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000220 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 14:49 | 2026-06-24 10:55 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/10/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/24/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000220 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 15:10 | 2026-06-23 16:48 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/10/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000228 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 05:05 | 2026-06-22 09:57 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged- - Due
Diligence Vendor-06/22/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-06/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000244 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 04:56 | 2026-07-02 12:58 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/09/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000244 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 07:15 | 2026-06-16 11:04 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-HOA statement
provided - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Evidence of HOA. - Buyer-06/11/2026 Open-As per 1003 REO 3b required HOA document is missing - Due Diligence Vendor-06/09/2026 |
Resolved-HOA statement
provided - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_HOA.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000249 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 05:33 | 2026-06-23 16:49 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/09/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 13:12 | 2026-06-23 07:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Insurance for REO | Resolved-Lender provided
PITIA for REO1. condition resolved. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Copy of the mortgage statement, HOI, HOA and tax bill received. Uploaded to portal. Updated AUS reflecting increase in PITIA from $781.21 to $1,645.91 resulting in increase DTI from 31.68% to 35.49% received. Uploaded to portal. - Buyer-06/22/2026 Open-Missing Evidence of Insurance for property REO1 on final application - Due Diligence Vendor-06/10/2026 |
Resolved-Lender provided
PITIA for REO1. condition resolved. - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_B2
XXXX W2.pdf XXXXXXXXXX_XXXXXXXXXX_updated AUS.pdf XXXXXXXXXX_XXXXXXXXXX_addendum to sales contract.pdf XXXXXXXXXX_XXXXXXXXXX_PITIA XXXXXXXXXX.pdf XXXXXXXXXX_XXXXXXXXXX_b2 credit report.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 13:06 | 2026-06-23 07:53 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of Property Taxes for REO | Resolved-Lender provided
Property taxes for REO1. condition resolved. - Due Diligence
Vendor-06/23/2026 Ready for Review-Document Uploaded. Copy of the mortgage statement, HOI, HOA and tax bill received. Uploaded to portal. Updated AUS reflecting increase in PITIA from $781.21 to $1,645.91 resulting in increase DTI from 31.68% to 35.49% received. Uploaded to portal. - Buyer-06/22/2026 Open-Evidence of property taxes for property REO1 on the final application not provided. - Due Diligence Vendor-06/10/2026 |
Resolved-Lender provided
Property taxes for REO1. condition resolved. - Due Diligence
Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_B2
XXXX W2.pdf XXXXXXXXXX_XXXXXXXXXX_PITIA XXXXXXXXXX.pdf XXXXXXXXXX_XXXXXXXXXX_addendum to sales contract.pdf XXXXXXXXXX_XXXXXXXXXX_b2 credit report.pdf XXXXXXXXXX_XXXXXXXXXX_updated AUS.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 13:05 | 2026-06-23 07:52 | Resolved | 1 - Information | Credit | Missing Doc | Missing Evidence of HOA Dues for REO1 | Resolved- - Due Diligence
Vendor-06/23/2026 Ready for Review-Lender provided monthly HOA fee for REO1. condition resolved. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Copy of the mortgage statement, HOI, HOA and tax bill received. Uploaded to portal. Updated AUS reflecting increase in PITIA from $781.21 to $1,645.91 resulting in increase DTI from 31.68% to 35.49% received. Uploaded to portal. - Buyer-06/22/2026 Open-Missing Evidence of HOA Dues for REO1 - Due Diligence Vendor-06/10/2026 |
XXXXXXXXXX_XXXXXXXXXX_addendum
to sales contract.pdf XXXXXXXXXX_XXXXXXXXXX_B2 XXXX W2.pdf XXXXXXXXXX_XXXXXXXXXX_b2 credit report.pdf XXXXXXXXXX_XXXXXXXXXX_PITIA XXXXXXXXXX.pdf XXXXXXXXXX_XXXXXXXXXX_updated AUS.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 12:47 | 2026-06-23 07:51 | Resolved | 1 - Information | Credit | Missing Doc | Missing purchase contract - addendums | Resolved- Lender provided
purchase contract addendum to show purchase price of XXX,XXX. condition
resolved. - Due Diligence
Vendor-06/23/2026 Ready for Review-Document Uploaded. Addendum to Sales Contract reflecting $XXX,XXX sales price uploaded to portal. - Buyer-06/22/2026 Open-All addendums to the purchase contract were not provided Missing addendum showing new purchase price of $XXX,XXX additional conditions may apply. - Due Diligence Vendor-06/10/2026 |
Resolved- Lender provided
purchase contract addendum to show purchase price of XXX,XXX. condition
resolved. - Due Diligence
Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_addendum to sales contract.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 20:01 | 2026-06-23 07:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Lender provided
Credit report for B2. condition resolved. - Due Diligence Vendor-06/23/2026
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. B2 credit report - Buyer-06/22/2026 Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-06/09/2026 |
Resolved-Lender provided
Credit report for B2. condition resolved. - Due Diligence Vendor-06/23/2026
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_b2 credit report.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 11:48 | 2026-06-23 07:49 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Lender provided B2
XXXX W2. condition resolved. - Due Diligence Vendor-06/23/2026 Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. B2 XXXX W2 uploaded - Buyer-06/22/2026 Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-06/10/2026 |
Resolved-Lender provided B2
XXXX W2. condition resolved. - Due Diligence Vendor-06/23/2026 Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_B2 XXXX W2.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 12:21 | 2026-06-23 07:49 | Resolved | 1 - Information | Credit | Missing Doc | Asset 5 Missing | Resolved-Lender provided
updated DU and removed 3 asset accounts. condition resolved. - Due Diligence
Vendor-06/23/2026 Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 Open-Asset 5 Missing - Due Diligence Vendor-06/10/2026 |
Resolved-Lender provided
updated DU and removed 3 asset accounts. condition resolved. - Due Diligence
Vendor-06/23/2026 Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 12:21 | 2026-06-23 07:49 | Resolved | 1 - Information | Credit | Missing Doc | Asset 3 Missing | Resolved-Lender provided
updated DU and removed 3 asset accounts. condition resolved. - Due Diligence
Vendor-06/23/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 Open-Asset 3 Missing - Due Diligence Vendor-06/10/2026 |
Resolved-Lender provided
updated DU and removed 3 asset accounts. condition resolved. - Due Diligence
Vendor-06/23/2026 Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:40 | 2026-06-23 07:48 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements. Lender provided
PITIA for REO1. condition resolved. - Due Diligence Vendor-06/23/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. B2 credit report uploaded - Buyer-06/22/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements due Borrower 2 Credit Report is Missing. - Due Diligence Vendor-06/09/2026 |
Resolved-ATR Risk - Monthly
Debt Obligations taken into consideration meet requirements. Lender provided
PITIA for REO1. condition resolved. - Due Diligence Vendor-06/23/2026 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_b2 credit report.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:41 | 2026-06-23 07:46 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Either
Current Income or Current Assets must be utilized to meet ATR requirements
Lender provided B2 XXXX W2. condition resolved. - Due Diligence
Vendor-06/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/23/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided B2 XXXX W2. condition resolved. - Due Diligence Vendor-06/23/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements due 1-year W2 missing for Co-borrower per AUS guidelines and Assets listed on the final application. - Due Diligence Vendor-06/09/2026 |
Resolved-ATR Risk - Either
Current Income or Current Assets must be utilized to meet ATR requirements
Lender provided B2 XXXX W2. condition resolved. - Due Diligence
Vendor-06/23/2026 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-06/23/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Lender provided B2 XXXX W2. condition resolved. - Due Diligence Vendor-06/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000252 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 12:21 | 2026-06-23 07:39 | Resolved | 1 - Information | Credit | Missing Doc | Asset 4 Missing | Resolved-Asset 4 Provided
Or Not Applicable - Due Diligence Vendor-06/23/2026 Open-Asset 4 Missing - Due Diligence Vendor-06/10/2026 |
Resolved-Asset 4 Provided
Or Not Applicable - Due Diligence Vendor-06/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000255 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 11:43 | 2026-06-17 08:39 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-Comment for
1002.14 - Rules on Providing Appraisals and Valuations 7. Multiple versions of appraisals or valuations. For purposes of ? 1002.14(a)(1), the reference to “all” appraisals and other written valuations does not refer to all versions of the same appraisal or other valuation. If a creditor has received multiple versions of an appraisal or other written valuation, the creditor is required to provide only a copy of the latest version received. If, however, a creditor already has provided a copy of one version of an appraisal or other written valuation to an applicant, and the creditor later receives a revision of that appraisal or other written valuation, then the creditor also must provide the applicant with a copy of the revision to comply with 1002.14(a)(1). If a creditor receives only one version of an appraisal or other valuation that is developed in connection with the applicant's application, then that version must be provided to the applicant to comply with 1002.14(a)(1). See also comment 14(a)(1)-4 above. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Hello, please see the Letter of Explanation regarding the appraisal update. The update to the appraisal was non-material and not required to be provided to the borrower. - Buyer-06/12/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-06/10/2026 |
Acknowledged-Comment for
1002.14 - Rules on Providing Appraisals and Valuations 7. Multiple versions of appraisals or valuations. For purposes of ? 1002.14(a)(1), the reference to “all” appraisals and other written valuations does not refer to all versions of the same appraisal or other valuation. If a creditor has received multiple versions of an appraisal or other written valuation, the creditor is required to provide only a copy of the latest version received. If, however, a creditor already has provided a copy of one version of an appraisal or other written valuation to an applicant, and the creditor later receives a revision of that appraisal or other written valuation, then the creditor also must provide the applicant with a copy of the revision to comply with 1002.14(a)(1). If a creditor receives only one version of an appraisal or other valuation that is developed in connection with the applicant's application, then that version must be provided to the applicant to comply with 1002.14(a)(1). See also comment 14(a)(1)-4 above. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal LOX.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||
| OBX2026AHC3000258 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 13:12 | 2026-06-18 10:55 | Resolved | 1 - Information | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Resolved-Received FACTA
Notice. Resolved. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Counter-Received FACTA Notice, document received reflects a different borrower. Condition remains. - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. - Buyer-06/10/2026 Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete. - Due Diligence Vendor-06/09/2026 |
Resolved-Received FACTA
Notice. Resolved. - Due Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_
FACTA Notice.pdf XXXXXXXXXX_XXXXXXXXXX_CREDIT DISCLOSURE.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000266 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 14:55 | 2026-06-24 14:35 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-A $XXX check was
provided to the borrower to cure compliance condition. - Due Diligence
Vendor-06/24/2026 Ready for Review-Document Uploaded. Hello, please see the attached cure package. - Buyer-06/24/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) The disclosed finance charge ($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. - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-A $XXX check was
provided to the borrower to cure compliance condition. - Due Diligence
Vendor-06/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000295 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 18:58 | 2026-06-16 14:21 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-06/08/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000295 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 09:56 | 2026-06-16 10:25 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/11/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-06/09/2026 |
Resolved-Privacy Notice
provided. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_ Privacy Policy.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000295 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 10:19 | 2026-06-16 10:23 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Evidence provided of delivery of most recent primary appraisal to applicant.
- Due Diligence Vendor-06/16/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - Due Diligence Vendor-06/16/2026 |
Resolved-ECOA Compliant:
Evidence provided of delivery of most recent primary appraisal to applicant.
- Due Diligence Vendor-06/16/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000300 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 02:37 | 2026-06-16 08:23 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Resolved-Resolved - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Buyer-06/12/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender Attestation.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000300 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 02:37 | 2026-06-16 08:23 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/12/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX. No Cure. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document
Uploaded. - Seller-06/12/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender Attestation.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000300 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 02:37 | 2026-06-16 08:23 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Resolved - Due
Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. - Seller-06/12/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The List of Settlement Service Providers Disclosure Date XX/XX/XXXX is more than 3 business days from the Application Date XX/XX/XXXX. - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/10/2026 Open- - Due Diligence Vendor-06/09/2026 Open- - Due Diligence Vendor-06/09/2026 |
Ready for Review-Document
Uploaded. - Seller-06/12/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender Attestation.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000303 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 07:35 | 2026-06-17 08:28 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received LOX/1008.
- Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. Uploaded 1008 with UW comments explaining the "other" expense of $XXX.XX. - Buyer-06/12/2026 Open-HOA document missing for REO Property - Due Diligence Vendor-06/09/2026 |
Resolved-Received LOX/1008.
- Due Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_1008.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000304 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 06:51 | 2026-06-17 08:46 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent
documentation for borrower(s) provided. - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. 6/15/2026 (XXXXXXX): Please see attached e-consent. - Buyer-06/15/2026 Open-E-Consent documentation is missing for borrower(s) - Due Diligence Vendor-06/09/2026 |
Resolved-E-Consent
documentation for borrower(s) provided. - Due Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_econsent.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000312 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 15:12 | 2026-06-19 12:44 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due
Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. 6/18/2026: Disagree with rebuttal. .Appraisal report shows as of XX/XX/XXXX. UCDP shows Number of Resubmissions as 0. POD sent on XX/XX/XXXX. Please see attached Appraisal POD. Please provide clarification if upheld. - Buyer-06/18/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. 6/12/2026: Please see attached Appraisal Proof of delivery. - Buyer-06/12/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. updated as per document - Due Diligence Vendor-06/08/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal
POD.pdf XXXXXXXXXX_ V1 - XXXXXXXXXX Delivery Status (Sent) (1).pdf |
updated as per document | XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||
| OBX2026AHC3000320 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-10 10:28 | 2026-06-16 17:42 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received LOX and
verification of tax amount. - Due Diligence Vendor-06/16/2026 Ready for Review-Document Uploaded. Response from CL received. It is a purchase transaction in XX. The monthly tax is calculated using 1.25% of sales price: (X,XXX,XXX * 0.0125)/12= X,XXX.XX - Buyer-06/15/2026 Open-Missing Evidence of Property Tax Updated Tax cert missing. - Due Diligence Vendor-06/10/2026 |
Resolved-Received LOX and
verification of tax amount. - Due Diligence Vendor-06/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_tax fees 1.25% of sales price.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000325 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:07 | 2026-06-11 09:20 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance
Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of
XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-06/11/2026 Ready for Review-Document Uploaded. HOI with an effective date of XX/XX/XXXX received. Uploaded - Buyer-06/10/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-06/08/2026 |
Resolved-Hazard Insurance
Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of
XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence
Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_HOI effective date.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000335 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 14:35 | 2026-06-11 11:16 | Resolved | 1 - Information | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-. - Due Diligence
Vendor-06/11/2026 Resolved-Loan is new construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Seller-06/10/2026 Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) NORTC missing - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Hello, per
1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission.
1026.2(24) defines residential mortgage transaction as, "a transaction
in which a mortgage, deed of trust, purchase money security interest arising
under an installment sales contract, or equivalent consensual security
interest is created or retained in the consumer's principal dwelling to
finance the acquisition or initial construction of that dwelling." The
transaction is the refinance of a loan used to construct the dwelling,
therefore rescission does not apply to this loan. - Seller-06/10/2026 |
Resolved-. - Due Diligence
Vendor-06/11/2026 Resolved-Loan is new construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000335 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 14:08 | 2026-06-11 11:16 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-. - Due Diligence
Vendor-06/11/2026 Counter-Loan is new construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Seller-06/10/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties - Due Diligence Vendor-06/08/2026 |
Ready for Review-Hello, per
1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission.
1026.2(24) defines residential mortgage transaction as, "a transaction
in which a mortgage, deed of trust, purchase money security interest arising
under an installment sales contract, or equivalent consensual security
interest is created or retained in the consumer's principal dwelling to
finance the acquisition or initial construction of that dwelling." The
transaction is the refinance of a loan used to construct the dwelling,
therefore rescission does not apply to this loan. - Seller-06/10/2026 |
Resolved-. - Due Diligence
Vendor-06/11/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000335 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 14:35 | 2026-06-11 11:16 | Resolved | 1 - Information | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 Ready for Review-Hello, per 1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission. 1026.2(24) defines residential mortgage transaction as, "a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling." The transaction is the refinance of a loan used to construct the dwelling, therefore rescission does not apply to this loan. - Seller-06/10/2026 Open-The disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the system calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (12 CFR 1026.23(c) and Official Staff Commentary) NORTC missing - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Ready for Review-Hello, per
1026.23 (f)(1), Residential Mortgage Transactions are exempt from rescission.
1026.2(24) defines residential mortgage transaction as, "a transaction
in which a mortgage, deed of trust, purchase money security interest arising
under an installment sales contract, or equivalent consensual security
interest is created or retained in the consumer's principal dwelling to
finance the acquisition or initial construction of that dwelling." The
transaction is the refinance of a loan used to construct the dwelling,
therefore rescission does not apply to this loan. - Seller-06/10/2026 |
Resolved-Loan is new
construction, Resolved. - Due Diligence Vendor-06/11/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000336 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:53 | 2026-06-17 09:51 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due
Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/16/2026 Open- - Due Diligence Vendor-06/08/2026 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. No Valid COC Provided in File - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Resolved - Due
Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_COC.pdf XXXXXXXXXX_XXXXXXXXXX_ Loan Estimate.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000336 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 07:53 | 2026-06-17 09:51 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. -
Due Diligence Vendor-06/17/2026 Resolved-Resolved - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Open- - Due Diligence Vendor-06/17/2026 Ready for Review-Document Uploaded. - Buyer-06/16/2026 Open- - Due Diligence Vendor-06/08/2026 Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.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. No Valid COC Provided in File - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
Resolved-Received COC. -
Due Diligence Vendor-06/17/2026 Resolved-Resolved - Due Diligence Vendor-06/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_COC.pdf XXXXXXXXXX_XXXXXXXXXX_ Loan Estimate.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000346 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 01:16 | 2026-06-23 16:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged- - Due
Diligence Vendor-06/23/2026 Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice document - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000350 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-08 10:33 | 2026-07-06 09:33 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value
appraiser's license was effective prior to the Valuation Date and expired
after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser
License Dates Are Not Provided - Due Diligence Vendor-06/11/2026 Ready for Review-Document Uploaded. Appraisal effective date XX/XX/XXXX, signature date XX/XX/XXXX, appraiser's license expiration date XX/XX/XXXX. No issues. - Buyer-06/10/2026 Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Property - asv.gov site is not working; for time being appraisal reported date has been considered. - Due Diligence Vendor-06/08/2026 |
Resolved-Primary Value
appraiser's license was effective prior to the Valuation Date and expired
after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser
License Dates Are Not Provided - Due Diligence Vendor-06/11/2026 |
XXXXXXXXXX_XXXXXXXXXX_appraiser license.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000350 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 14:53 | 2026-06-18 10:51 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. Hello, please see the attached appraisal delivery confirmation. - Buyer-06/16/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-06/09/2026 |
Resolved-ECOA Compliant:
Appraisal present; evidence appraisal was provided to applicant. - Due
Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal Delivery Acknowledgement.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000350 | XXXXXXXXXX | XXXXXXX | Seller | 2026-06-08 12:03 | 2026-06-10 13:02 | Open | 3 - Material | Compliance | Mavent | License: Loan Originator | Open-License Verified, the
loan originator is not authorized to do business in XX. - Due Diligence
Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 Open- - Due Diligence Vendor-06/08/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC3000361 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-09 14:44 | 2026-06-24 10:58 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. The Collateral Underwriter Risk Score is 5, Missing Valuation Review Product - 2 - Due Diligence Vendor-06/09/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/24/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000578 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 05:14 | 2026-06-18 10:39 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-DU Risk and
Eligibility requirement did not require for a VOR. Resolved - Due Diligence
Vendor-06/18/2026 Ready for Review-Conventional, 80% LTV, owner occupied, purchase transaction with a DU/AUS approve/eligible recommendation. The DU Risk and Eligibility requirement did not require for a VOR. Please advise if this is an overlay. - Buyer-06/17/2026 Open-Missing 12 months primary residence history - Due Diligence Vendor-06/15/2026 |
Resolved-DU Risk and
Eligibility requirement did not require for a VOR. Resolved - Due Diligence
Vendor-06/18/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000578 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 05:16 | 2026-06-18 10:38 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Credit History taken into consideration does not meet requirements | Resolved-ATR Risk - Credit
History taken into consideration meets requirements - Due Diligence
Vendor-06/18/2026 Ready for Review-Conventional, 80% LTV, owner occupied, purchase transaction with a DU/AUS approve/eligible recommendation. The DU Risk and Eligibility requirement did not require for a VOR. Please advise if this is an overlay. - Buyer-06/17/2026 Open-ATR Risk - Credit History taken into consideration does not meet requirements 2 months primary residence history only found - Due Diligence Vendor-06/15/2026 |
Resolved-ATR Risk - Credit
History taken into consideration meets requirements - Due Diligence
Vendor-06/18/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000578 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 13:37 | 2026-06-15 13:38 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged-RESPA: Toolkit Missing or Incomplete. Toolkit missing in file. - Due Diligence Vendor-06/15/2026 | Acknowledged-RESPA: Toolkit
Missing or Incomplete. Toolkit missing in file. - Due Diligence
Vendor-06/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000531 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 04:06 | 2026-06-23 08:11 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Lender provided
Seller Closing Disclosure, there is evidence with PCD for disbursement date
of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-06/23/2026 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Uploaded Closing Disclosure. Loan disbursement XX/XX/XXXX. - Buyer-06/22/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-06/16/2026 |
Resolved-Lender provided
Seller Closing Disclosure, there is evidence with PCD for disbursement date
of XX/XX/XXXX. condition resolved. - Due Diligence Vendor-06/23/2026 Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_Seller Closing Disclosure.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000498 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 14:25 | 2026-06-18 10:28 | Resolved | 1 - Information | Credit | Missing Doc | Missing Condo Questionnaire | Resolved-Per DU 2-4 units ,
project review is not required. Documentation confirming compliance with
section B4-2.1-02 received. Resolved. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. The subject property is a 2 unit condo. Item 20 of DU reflect condo project consisting of only 2 to 4 units, a project review is not required. DU and HOA correspondence regarding common expense assessments and repairs uploaded to portal. - Buyer-06/17/2026 Open- The Condo Questionnaire is missing from the loan file. Additional conditions may apply. The Condo Questionnaire is missing from the loan file. - Due Diligence Vendor-06/15/2026 |
Resolved-Per DU 2-4 units ,
project review is not required. Documentation confirming compliance with
section B4-2.1-02 received. Resolved. - Due Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XX_condo.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000474 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 13:09 | 2026-06-26 12:56 | Resolved | 1 - Information | Compliance | Mavent | License: Loan Originator | Resolved-Document provided
clears condition - Due Diligence Vendor-06/26/2026 Ready for Review-Document Uploaded. 6/25/2026: Disagree with finding. Please see attached screenshot from NMLS consumer Access site showing office location has a start date since XX/XX/XXXX. - Buyer-06/25/2026 Open- - Due Diligence Vendor-06/15/2026 Open-A relationship between XXXXXXX XXX (NMLS ID: XXXXX) and the company (Company NMLS ID: XXXXXX) does not exist in the NMLS Consumer Access as of XX/XX/XXXX. - Due Diligence Vendor-06/15/2026 Open- - Due Diligence Vendor-06/15/2026 |
Resolved-Document provided
clears condition - Due Diligence Vendor-06/26/2026 |
XXXXXXXXXX_XXXXXXXXXX-XXXX_NMLS license.pdf | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000474 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 03:26 | 2026-06-15 03:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing or Incomplete - Due Diligence Vendor-06/15/2026 | Acknowledged-Privacy Notice
Required - Missing or Incomplete. Privacy Notice Required - Missing or
Incomplete - Due Diligence Vendor-06/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000464 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 12:05 | 2026-07-02 12:45 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-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-06/23/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Secondary product within tolerance - Due Diligence Vendor-06/16/2026 |
Acknowledged-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-06/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000459 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 07:22 | 2026-06-15 07:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice missing - Due Diligence Vendor-06/15/2026 | Acknowledged-Privacy Notice
Required - Missing or Incomplete. Privacy Notice missing - Due Diligence
Vendor-06/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000433 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 13:40 | 2026-06-22 15:31 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract
provided. condition resolved. - Due Diligence Vendor-06/22/2026 Resolved-Purchase Contract provided. - Due Diligence Vendor-06/22/2026 Ready for Review-Document Uploaded. CA Property. Purchase Agreement and Joint Escrow Instructions uploaded - Buyer-06/22/2026 Open-Missing Purchase Contract - Due Diligence Vendor-06/16/2026 |
Resolved-Purchase Contract
provided. condition resolved. - Due Diligence Vendor-06/22/2026 Resolved-Purchase Contract provided. - Due Diligence Vendor-06/22/2026 |
XXXXXXXXXX_XXXXXXXXXX_purchase agreement.pdf | XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000433 | XXXXXXXXXX | XXXXXXX | Seller | 2026-06-15 14:49 | 2026-06-17 14:31 | Open | 3 - Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Open-A Lender Credit for
Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of
($X.XX), and general or specific lender credit increases of ($X.XX) were
applied to the total fee variance of ($XXX.XX) between the baseline
disclosure and the actual fee amounts. Since the lender credits and principal
reduction (if applicable) are less than the total fee variance amount, they
are not sufficient to cure the variance. COC missing - Due Diligence
Vendor-06/15/2026 Open- - Due Diligence Vendor-06/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC3000433 | XXXXXXXXXX | XXXXXXX | Seller | 2026-06-15 14:49 | 2026-06-17 14:31 | Open | 3 - Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Open-A Lender Credit for
Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of
($X.XX), and general or specific lender credit increases of ($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. COC missing - Due
Diligence Vendor-06/15/2026 Open- - Due Diligence Vendor-06/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | N/A | N/A | |||||||
| OBX2026AHC3000430 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 12:18 | 2026-06-22 11:03 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due
Diligence Vendor-06/22/2026 Open-Value grade equals B, loan approved with a PIW. Secondary valuation supports within 10%, PIW grading applies - Due Diligence Vendor-06/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000430 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 10:30 | 2026-06-19 13:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application - Not Executed | Resolved-The Final 1003 is
Executed - Due Diligence Vendor-06/19/2026 Ready for Review-Document Uploaded. Uploaded final signed 1003. - Buyer-06/18/2026 Open-The Final 1003 is Not Executed - Due Diligence Vendor-06/16/2026 |
Resolved-The Final 1003 is
Executed - Due Diligence Vendor-06/19/2026 |
XXXXXXXXXX_XXXXXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000417 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 14:45 | 2026-06-15 14:45 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. AVM found in trailing document updated as post close review product. - Due Diligence Vendor-06/15/2026 | Acknowledged-Value grade
equals B, loan approved with a PIW. AVM found in trailing document updated as
post close review product. - Due
Diligence Vendor-06/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000412 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 05:18 | 2026-06-24 11:00 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 2 | Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Valuation Review Product - 2 - Due Diligence Vendor-06/15/2026 |
Resolved-A valid secondary
valuation supporting the origination appraisal value was provided. - Due
Diligence Vendor-06/24/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | ||||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 07:54 | 2026-06-24 09:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided
evidence thru Lender Attestation that the business is closed on Saturdays.
Condition resolved. - Due Diligence Vendor-06/24/2026 Resolved- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The 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. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-Lender provided
evidence thru Lender Attestation that the business is closed on Saturdays.
Condition resolved. - Due Diligence Vendor-06/24/2026 |
XXXXXXXXXX__XXXXXXXXXX_Letter of Attestation.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 07:54 | 2026-06-24 09:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided
evidence thru Lender Attestation that the business is closed on Saturdays.
Condition resolved. - Due Diligence Vendor-06/24/2026 Resolved- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Buyer-06/23/2026 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Resolved-Lender provided
evidence thru Lender Attestation that the business is closed on Saturdays.
Condition resolved. - Due Diligence Vendor-06/24/2026 |
XXXXXXXXXX__XXXXXXXXXX_Letter of Attestation.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 07:54 | 2026-06-24 09:24 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided
PCCD to show cure of 74.58 for discount points and proof of delivery to the
borrower. Condition resolved. - Due Diligence Vendor-06/24/2026 Resolved- - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 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)). Unable to edit Bona Fide Discount Point Rate Reduction Basis option. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document
Uploaded. - Seller-06/23/2026 |
Resolved-Lender provided
PCCD to show cure of 74.58 for discount points and proof of delivery to the
borrower. Condition resolved. - Due Diligence Vendor-06/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure package.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 07:54 | 2026-06-24 09:23 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided
PCCD to show cure of 74.58 for discount points and proof of delivery to the
borrower. Condition resolved. - Due Diligence Vendor-06/24/2026 Resolved- - Due Diligence Vendor-06/24/2026 Open- - Due Diligence Vendor-06/24/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 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)). Unable to edit Bona Fide Discount Point Rate Reduction Basis option. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document
Uploaded. - Seller-06/23/2026 |
Resolved-Lender provided
PCCD to show cure of 74.58 for discount points and proof of delivery to the
borrower. Condition resolved. - Due Diligence Vendor-06/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure package.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | ||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 07:54 | 2026-06-24 09:20 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-. - Due
Diligence Vendor-06/24/2026 Acknowledged- - Due Diligence Vendor-06/24/2026 Acknowledged- - Due Diligence Vendor-06/24/2026 Acknowledged- - Due Diligence Vendor-06/24/2026 Acknowledged- - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. - Seller-06/23/2026 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 Open- - Due Diligence Vendor-06/16/2026 |
Ready for Review-Document
Uploaded. - Seller-06/23/2026 |
Acknowledged-. - Due
Diligence Vendor-06/24/2026 Acknowledged- - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX__XXXXXXXXXX_Letter of Attestation.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | ||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 07:53 | 2026-06-24 09:04 | Resolved | 1 - Information | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Resolved-TILA: Notice of
Right to Cancel is provided - Due Diligence Vendor-06/24/2026 Resolved-TILA: Notice of Right to Cancel is N/A. Property proposed/New construction. Resolved. - Due Diligence Vendor-06/18/2026 Ready for Review-Document Uploaded. - Buyer-06/17/2026 Open-TILA: NORTC Missing for one or more borrowers/vested parties Notice of Right to cancel document is missing from loan file. - Due Diligence Vendor-06/16/2026 |
Resolved-TILA: Notice of
Right to Cancel is provided - Due Diligence Vendor-06/24/2026 Resolved-TILA: Notice of Right to Cancel is N/A. Property proposed/New construction. Resolved. - Due Diligence Vendor-06/18/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE-NRTC.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000410 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-16 08:15 | 2026-06-22 09:57 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due
Diligence Vendor-06/22/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX. - Due Diligence Vendor-06/16/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC3000397 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 09:40 | 2026-06-16 11:25 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. PIW page # 783 - Due Diligence Vendor-06/15/2026 | Acknowledged-Value grade
equals B, loan approved with a PIW. PIW page # 783 - Due Diligence
Vendor-06/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000390 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 14:56 | 2026-06-15 14:56 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-06/15/2026 | Acknowledged-Value grade
equals B, loan approved with a PIW. - Due Diligence Vendor-06/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000385 | XXXXXXXXXX | XXXXXXX | Closed | 2026-06-15 10:27 | 2026-07-02 12:46 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-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-06/23/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-06/15/2026 |
Acknowledged-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-06/23/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC3000414 | XXXXXXXXXX | XXXXXXX | Closed | 2026-05-12 16:23 | 2026-06-23 08:18 | Resolved | 1 - Information | Credit | Missing Doc | The Note is Incomplete | Resolved-Lender provided
corrected Note shows correct NMLS for all parties. condition resolved. - Due
Diligence Vendor-06/23/2026 Resolved-The Note is Present - Due Diligence Vendor-06/23/2026 Ready for Review-Document Uploaded. Corrected signed Note uploaded - Buyer-06/11/2026 Open-The Note is Incomplete NMLS ID for Lender is incorrect on Note. Please provide corrected Note. Additional conditions may apply. - Due Diligence Vendor-05/12/2026 |
Resolved-Lender provided
corrected Note shows correct NMLS for all parties. condition resolved. - Due
Diligence Vendor-06/23/2026 Resolved-The Note is Present - Due Diligence Vendor-06/23/2026 |
XXXXXXXXXX__XXXXXXXXXX_New Signed Note (Correcting VIP NMLS #).pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A | |||||
| OBX2026AHC3000414 | XXXXXXXXXX | XXXXXXX | Closed | 2026-05-12 16:25 | 2026-05-22 15:13 | Resolved | 1 - Information | Credit | Missing Doc | Incomplete Mortgage/Deed of Trust | Resolved-Received recorded
affidavit of scrivener’s error for the Deed of Trust. Condition status
changed to Resolved. - Due Diligence Vendor-05/22/2026 Ready for Review-Document Uploaded. Affidavit of Scrivener's error for the Deed of Trust received. Uploaded - Buyer-05/22/2026 Open-The Deed of Trust is Incomplete NMLS ID for Lender is incorrect on Mortgage/Deed of Trust. Please provide corrected Mortgage/Deed of Trust. Additional conditions may apply. - Due Diligence Vendor-05/12/2026 |
Resolved-Received recorded
affidavit of scrivener’s error for the Deed of Trust. Condition status
changed to Resolved. - Due Diligence Vendor-05/22/2026 |
XXXXXXXXXX__XXXXXXXXXX - Affidavit correcting NMLS # (Recorded).pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXX | N/A | N/A |