Exhibit 99.01 Schedule 1
| ALT ID | Seller | Loan ID | 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? |
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 06:47 | 2026-07-17 13:34 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/15/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. A supporting secondary valuation was not provided - Due Diligence Vendor-07/14/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/15/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Rescission Tolerance | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Lender provided final CD with explanation of indexing error of documents present the loan file. condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Buyer-07/16/2026 Open-The disclosed Total of Payments ($X.XX) is understated by more than the greater of $XXX or 1/2 of 1% of the note amount when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). For loans subject to the right of rescission, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than 1/2 of 1 percent of the face amount of the note ($X,XXX.XX) or $XXX, whichever is greater. (12 CFR 1026.23(g)(1)(ii)) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Lender provided final CD with explanation of indexing error of documents present the loan file. condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Buyer-07/16/2026 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XXX when compared to the actual Total of Payments ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:01 | 2026-07-16 15:06 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure. - Seller-07/16/2026 Open-TRID: Missing Final Closing Disclosure Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the Final
CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided
a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not
be considered as a closing disclosure. - Seller-07/16/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:06 | Resolved | 1 - Information | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Seller-07/16/2026 Open-The disclosed APR (0.0) is lower than the actual APR (7.37) by more than .125%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .125% on a regular mortgage transaction. (12 CFR 1026.17(f), 1026.19(a)(2), & 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the Final
CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided
a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not
be considered as a closing disclosure for testing purposes. -
Seller-07/16/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:06 | Resolved | 1 - Information | Compliance | Mavent | Tolerance: Disclosure | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Seller-07/16/2026 Open-The Prior CD1 sent on (XX/XX/XXXX) was received at least 3 business days before closing. The Last CD sent on (XX/XX/XXXX) was not received at least 3 business days before closing. The Prior CD1 (0.0%) APR is inaccurate when compared to the (7.37%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XX/XX/XXXX), which is 3 business days before the (XX/XX/XXXX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it 3 business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least 3 business days before closing and the actual APR. (12 CFR 1026.19(f)(2)(ii)(A); OSC 19(f)(2)(ii)-1) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the Final
CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided
a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not
be considered as a closing disclosure for testing purposes. -
Seller-07/16/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:06 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Seller-07/16/2026 Open-The disclosed Total of Payments ($X.XX) is understated by more than $XX when compared to the actual Total of Payments of ($XXX,XXX.XX). The difference is ($XXX,XXX.XX). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $XX. (12 CFR 1026.23(h)(2)(ii)) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the Final
CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided
a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not
be considered as a closing disclosure for testing purposes. -
Seller-07/16/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:06 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Buyer-07/16/2026 Open-The disclosed finance charge ($X.XX) is ($XXX,XXX.XX) below the actual finance charge($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) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:32 | 2026-07-16 15:05 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the Final CD, LOE, and Fee Sheet. The Final CD was issued on XX/XX/XXXX. Title provided a fee sheet on XX/XX/XXXX that was also signed by the borrower but should not be considered as a closing disclosure for testing purposes. - Buyer-07/16/2026 Open-The Annual Percentage Rate of (0.0%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than 3 business days before the consummation date of (XX/XX/XXXX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(A); 1026.22(a)(2)) Compliance will be re-reviewed upon receipt of the missing interim CD(s). Additional conditions may apply. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided final CD with explanation of indexing
error of documents present the loan file. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Fee Sheet.pdf XXXXXXXXXX_XXXXXXXXXX_Final CD.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000102 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 08:20 | 2026-08-05 08:20 | Open | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. - Due Diligence Vendor-08/05/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000005 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 11:47 | 2026-07-24 11:17 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Borrower E-Consent dated XX/XX/XXXX received.
Resolved. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/23/26: The Borrower e-Consent dated XX/XX/XXXX has been uploaded for your review. - Buyer-07/23/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Appraisal date is XX/XX/XXXX, Appraisal delivery date is XX/XX/XXXX, Application date is XX/XX/XXXX and E-sign document date is XX/XX/XXXX. Appraisal is sent before the initial disclosure. - Due Diligence Vendor-07/20/2026 |
Resolved-Borrower E-Consent dated XX/XX/XXXX received. Resolved.
- Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_eConsent.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000005 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 08:18 | 2026-07-20 12:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance - Due Diligence Vendor-07/20/2026 | Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. S&P value equals B, secondary product within
tolerance - Due Diligence Vendor-07/20/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000009 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 08:31 | 2026-07-30 10:59 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Notice Concerning Extension of Credit disclosure is missing or incomplete | Resolved-Received LOE reflecting Notice Concerning Extension of Credit
disclosure issued 06/03/2026. Resolved. - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. 7/27/26: Please see LOE providing evidence the Notice Concerning Extension of Credit disclosure was sent within 3 days of the application date of 6/1/26. - Buyer-07/27/2026 Counter-The Notice Concerning Extension of Credit was received. Document date based on signature XX/XX/XXXX is more than 3 days from application XX/XX/XXXX. Please provide evidence of mailing within 3 days of application. Condition remains. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Notice Concerning Extension of Credit disclosure has been uploaded for your review. - Seller-07/22/2026 Open-TX 50(a)(6) Violation: Notice Concerning Extension of Credit disclosure is missing or incomplete. Initial CD is missing - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. 7/22/26: The Notice
Concerning Extension of Credit disclosure has been uploaded for your review.
- Seller-07/22/2026 |
Resolved-Received LOE reflecting
Notice Concerning Extension of Credit disclosure issued XX/XX/XXXX.
Resolved. - Due Diligence Vendor-07/30/2026 |
XXXXXXXXXX_XXXXXXXXXX_Notice Concerning Extension of
Credit.pdf XXXXXXXXXX_XXXXXXXXXX_LOE.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000009 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 08:31 | 2026-07-24 10:05 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Final Itemization of Fees & Costs documentation is missing | Resolved-Final CD dated XX/XX/XXXX received. Resolved. - Due
Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Final CD dated XX/XX/XXXX has been uploaded for your review. - Buyer-07/22/2026 Open-TX 50(a)(6) Violation: Final Itemization of Fees & Costs documentation is missing. - Due Diligence Vendor-07/20/2026 |
Resolved-Final CD dated XX/XX/XXXX received. Resolved. - Due
Diligence Vendor-07/24/2026 |
XXXXXXXXXX_Final CD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000009 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 08:31 | 2026-07-24 10:04 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Receipt of Points and Fees to be Paid on Subject Transaction Not Provided One Day Prior to Close | Resolved-ICD received. Resolved. - Due Diligence
Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Final CD has been uploaded for your review. - Seller-07/22/2026 Open-TX 50(a)(6) Violation: Receipt of Points and Fees to be Paid on Subject Transaction Not Provided One Day Prior to Close. Initial CD is missing - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. 7/22/26: The Final CD has
been uploaded for your review. -
Seller-07/22/2026 |
Resolved-ICD received. Resolved. - Due Diligence
Vendor-07/24/2026 |
XXXXXXXXXX_Final CD.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000009 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 00:54 | 2026-07-24 10:02 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26(XX): Uploaded CD/COC dated XX/XX/XXXX - Buyer-07/22/2026 Open- - Due Diligence Vendor-07/20/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing disclosure is missing - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Resolved - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_ICD-COC.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000009 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 04:13 | 2026-07-24 10:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Resolved - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: Please see the uploaded LE/COC dated XX/XX/XXXX and ICD/COC dated XX/XX/XXXX. - Buyer-07/22/2026 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 ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Initial CD is missing, hence COC unable to attached - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Resolved - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_LE-COC.pdf XXXXXXXXXX_XXXXXXXXXX_ICD-COC.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000009 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 04:13 | 2026-07-24 10:02 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: Please see the uploaded LE/COC dated XX/XX/XXXX and ICD/COC dated XX/XX/XXXX. - Buyer-07/22/2026 Open-A Lender Credit for Excess Charges of ($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. Initial CD is missing, hence COC unable to attached - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Resolved - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_ICD-COC.pdf XXXXXXXXXX_XXXXXXXXXX_LE-COC.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000013 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 09:32 | 2026-08-05 08:56 | Resolved | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Open- - Due Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-08/05/2026 Open- - Due Diligence Vendor-08/05/2026 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/20/2026 |
Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/20/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000066 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:07 | 2026-07-20 07:30 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Received executed form 8821 with borrower 2 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Uploaded IRS form 8821 with XXXXX Consent form 1177. - Buyer-07/17/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Uploaded IRS form 8821. - Buyer-07/16/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received executed form 8821 with borrower 2 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_IRS 8821.pdf XXXXXXXXXX_XXXXXXXXXX B2_IRS 8821 and 1177.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000066 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:07 | 2026-07-20 07:30 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received executed form 8821 with borrower 1 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Uploaded IRS form 8821 with XXXXX Consent form 1177. - Buyer-07/17/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Uploaded IRS form 8821. - Buyer-07/16/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received executed form 8821 with borrower 1 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_IRS 8821.pdf XXXXXXXXXX_XXXXXXXXXX_IRS 8821 and 1177.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000071 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 07:13 | 2026-08-05 10:50 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This
finding is deemed non-material and will be rated B for all agencies - Due
Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 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. - Due Diligence Vendor-07/15/2026 |
Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This
finding is deemed non-material and will be rated B for all agencies - Due
Diligence Vendor-08/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000073 | XXXXXXX | XXXXXXXX | Seller | 2026-08-06 08:16 | 2026-08-06 10:58 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Document Uploaded.
- Due Diligence Vendor-08/06/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-08/06/2026 |
Resolved-Document Uploaded.
- Due Diligence Vendor-08/06/2026 |
Property Inspection Report - XXXXXXXXX (3).pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000074 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 10:24 | 2026-08-05 10:24 | Open | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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-08/05/2026 | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000076 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 09:54 | 2026-07-15 15:25 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. The most recent primary appraisal Date of XX/XX/XXXX is after the primary appraisal delivery date of XX/XX/XXXX - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000080 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:05 | 2026-07-21 12:34 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. IRS form 8821 and e consent (lender designee), uploaded to portal. - Buyer-07/20/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. An alternate IRS form 8821 for both borrowers found. Uploaded to portal. - Buyer-07/16/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Borrower 2 Executed 4506-T Provided or Not Applicable
(Number of Borrowers equals 2) - Due Diligence Vendor-07/21/2026 |
XXXXXXXXXX_XXXX_B2 IRS 8821.pdf XXXXXXXXXX_XXXX_lender designee.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000080 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:05 | 2026-07-21 12:34 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received form 8821 from B1 with consent in favor of
the lender, condition resolved. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. IRS form 8821 and e consent (lender designee), uploaded to portal. - Buyer-07/20/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. An alternate IRS form 8821 for both borrowers found. Uploaded to portal. - Buyer-07/16/2026 Open-Borrower 1 Executed 4506-T Missing Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received form 8821 from B1 with consent in favor of the
lender, condition resolved. - Due Diligence Vendor-07/21/2026 |
XXXXXXXXXX_XXXX_B2 IRS 8821.pdf XXXXXXXXXX_XXXX_lender designee.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000080 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 08:57 | 2026-07-14 07:05 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/13/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000080 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 09:45 | 2026-08-05 09:45 | Open | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | 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-08/05/2026 | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000081 | XXXXXXX | XXXXXXXX | Closed | 2026-06-15 14:49 | 2026-07-20 12:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received PCCD dated XX/XX/XXXX, Copy of check and
evidence of mailing. Resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. 7/17/26: The Revised PCCD indicating $XXX.XX has been uploaded for your review - Buyer-07/17/2026 Counter-Lender provided a PCCD, however, the lender credits decreased. On the PCCD the $XX credit for increase in closing costs was not included in the total lender credits only the additional XX.XX. Which caused the tolerance cure to go from needing XX.XX to needing $XX.XX, The total Credit for increase needs to reflect $XXX.XX and the total lender credit should be $XXXX.XX - Due Diligence Vendor-07/15/2026 Counter-Lender provided a PCCD, however, the lender credits decreased. On the PCCD the $XX credit for increase in closing costs was not included in the total lender credits only the additional XX.XX. Which caused the tolerance cure to go from needing XX.XX to needing $XX.XX, The total Credit for increase needs to reflect $XXX.XX. - Due Diligence Vendor-07/15/2026 Open-A Lender Credit for Excess Charges of ($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 ($XX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. 7/14/26: The cure package in the amount of $XX.XX has been uploaded for your review. The calculation from XXX.XX - XX.XX (A Lender Credit for Excess Charges of ($XX.XX) = $XX.XX post close cure amount. - Seller-07/14/2026 Open-A Lender Credit for Excess Charges of ($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 |
Ready for Review-Document Uploaded. 7/14/26: The cure package in
the amount of $XX.XX has been uploaded for your review. The calculation from XXX.XX - XX.XX (A
Lender Credit for Excess Charges of ($XX.XX) = $XX.XX post close cure amount.
- Seller-07/14/2026 |
Resolved-Received PCCD dated XX/XX/XXXX, Copy of check and
evidence of mailing. Resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf XXXXXXXXXX_XXXXXXXXXX_Revised PCCD 7.16.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000081 | XXXXXXX | XXXXXXXX | Closed | 2026-06-15 14:49 | 2026-07-20 12:33 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received PCCD dated 07/16/2026, Copy of check and
evidence of mailing. Resolved. - Due Diligence Vendor-07/20/2026 Resolved-Resolved - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. 7/17/26: The Revised PCCD indicating $XXX.XX has been uploaded for your review - Seller-07/17/2026 Counter-Lender provided a PCCD, however, the lender credits decreased. On the PCCD the $XX credit for increase in closing costs was not included in the total lender credits only the additional XX.XX. Which caused the tolerance cure to go from needing XX.XX to needing $XX.XX, The total Credit for increase needs to reflect $XXX.XX and the total lender credit should be $XXXX.XX - Due Diligence Vendor-07/15/2026 Open-A Lender Credit for Excess Charges of ($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 ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Ready for Review-Document Uploaded. 7/14/26: The cure package in the amount of $XX.XX has been uploaded for your review. The calculation from XXX.XX - XX.XX (A Lender Credit for Excess Charges of ($XX.XX) = $XX.XX post close cure amount. - Buyer-07/14/2026 Open-A Lender Credit for Excess Charges of ($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 |
Ready for Review-Document Uploaded. 7/17/26: The Revised PCCD
indicating $XXX.XX has been uploaded for your review - Seller-07/17/2026 |
Resolved-Received PCCD dated XX/XX/XXXX, Copy of check and
evidence of mailing. Resolved. - Due Diligence Vendor-07/20/2026 Resolved-Resolved - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf XXXXXXXXXX_XXXXXXXXXX_Revised PCCD 7.16.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000081 | XXXXXXX | XXXXXXXX | 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 | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000082 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 05:05 | 2026-07-28 09:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. - Buyer-07/27/2026 Open-Missing Borrower Identification - Borrower 1. Missing Borrower Identification document - Due Diligence Vendor-07/10/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-07/28/2026 |
XXXXXXXXXX_XXXXXXXXXX_Identification.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000084 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 11:21 | 2026-07-16 07:46 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE received, condition cleared. - Due Diligence
Vendor-07/16/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Uploaded. - Buyer-07/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing, SOS Available, missing date on pg - 48-49. - Due Diligence Vendor-07/10/2026 |
Resolved-VOE received, condition cleared. - Due Diligence
Vendor-07/16/2026 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Verbal Verification Of Employment.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000002 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 03:53 | 2026-08-05 09:13 | Resolved | 1 - Information | Compliance | Fees:Limited | California - Maximum Payoff Demand Fee | Resolved-Hello, please waive this condition. 2943(e)(6)
specifies a beneficiary may not charge more than $XX for a payoff fee.
2943(a)(1) defines “'Beneficiary' ...[as] a mortgagee or beneficiary of a
mortgage or deed of trust, or his or her assignees." The title company
is charging this fee on the Closing Disclosure. The restriction would not
apply because the fee is being charged by the title company rather than a
beneficiary of the mortgage. - Due Diligence Vendor-08/05/2026 Resolved- - Due Diligence Vendor-07/24/2026 Ready for Review-Hello, please waive this condition. 2943(e)(6) specifies a beneficiary may not charge more than $XX for a payoff fee. 2943(a)(1) defines “'Beneficiary' ...[as] a mortgagee or beneficiary of a mortgage or deed of trust, or his or her assignees." The title company is charging this fee on the Closing Disclosure. The restriction would not apply because the fee is being charged by the title company rather than a beneficiary of the mortgage. - Buyer-07/21/2026 Open-The payoff demand fee ($XX.XX) exceeds the California Civil Code limit of $XX. (Cal. Civ. Code 2943(e)(6)) The payoff demand fee ($XX.XX) exceeds the California Civil Code limit of $XX. - Due Diligence Vendor-07/21/2026 Open- - Due Diligence Vendor-07/21/2026 |
Resolved-Hello, please waive this condition. 2943(e)(6)
specifies a beneficiary may not charge more than $XX for a payoff fee.
2943(a)(1) defines “'Beneficiary' ...[as] a mortgagee or beneficiary of a
mortgage or deed of trust, or his or her assignees." The title company
is charging this fee on the Closing Disclosure. The restriction would not
apply because the fee is being charged by the title company rather than a
beneficiary of the mortgage. - Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000002 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 04:35 | 2026-07-20 04:35 | 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-07/20/2026 |
Acknowledged-Privacy Notice Required - Missing or Incomplete.
Privacy Notice- Missing - Due Diligence Vendor-07/20/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000091 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 15:28 | 2026-08-05 09:04 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification
standards meet requirements - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Note date XX/XX/XXXX. B2 is self employed. MN Secretary of State document dated XX/XX/XXXX reflects the business is active, date filed XX/XX/XXXX. Uploaded - Seller-07/16/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing VVOE dated 10 days prior to close for B2 - Due Diligence Vendor-07/15/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. Note date XX/XX/XXXX. B2 is
self employed. MN Secretary of State document dated XX/XX/XXXX reflects the
business is active, date filed XX/XX/XXXX. Uploaded - Seller-07/16/2026 |
Resolved-ATR Risk - Employment validation/verification standards
meet requirements - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_VOE B2.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000091 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:49 | 2026-07-20 10:49 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received attestation lender does not conduct business
on Saturdays. Resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. 7/17/26: The Lender Attestation indicating they are closed for business on Saturdays therefore the LE is within 3 business days of the application. - Buyer-07/17/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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 evidence that Sunrise Banks are closed on Saturday. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Received attestation lender does not conduct business
on Saturdays. Resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_Lender Attestation.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000091 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 10:37 | 2026-07-17 10:50 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close available,
condition resolved. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Note date XX/XX/XXXX. B2 is self employed. MN Secretary of State document dated XX/XX/XXXX reflects the business is active, date filed XX/XX/XXXX. Uploaded - Seller-07/16/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-07/15/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide a 3rd party VOE within 10-business days of note. - Due Diligence Vendor-07/15/2026 |
Ready for Review-Document Uploaded. Note date XX/XX/XXXX. B2 is
self employed. MN Secretary of State document dated XX/XX/XXXX reflects the
business is active, date filed XX/XX/XXXX. Uploaded - Seller-07/16/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close available,
condition resolved. - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_VOE B2.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000091 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:49 | 2026-07-15 15:46 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged-This finding is non-material and will be rated a B
for all agencies - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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 evidence that XXXXX XXXXX are closed on Saturday. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Acknowledged-This finding is non-material and will be rated a B
for all agencies - Due Diligence Vendor-07/15/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000091 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 07:56 | 2026-07-15 15:18 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged- - Due Diligence Vendor-07/15/2026 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. - Due Diligence Vendor-07/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000091 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:38 | 2026-07-15 15:18 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due Diligence Vendor-07/15/2026 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-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000097 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:14 | 2026-07-20 07:20 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received executed form 8821 with borrowers' consent,
condition resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Uploaded IRS form 8821 with XXXXX Consent form 1177. - Buyer-07/17/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received executed form 8821 with borrowers' consent,
condition resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_IRS 8821 and 1177.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000098 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:05 | 2026-07-23 06:59 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrower Identification - Borrower 1 | Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. - Buyer-07/22/2026 Open-Missing Borrower Identification - Borrower 1. - Due Diligence Vendor-07/10/2026 |
Resolved-Borrower Identification - Borrower 1 provided. - Due
Diligence Vendor-07/23/2026 |
XXXXXXXXXX_XXXXXXXXXX_USA patriot Act.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000098 | XXXXXXX | XXXXXXXX | Closed | 2026-07-16 14:10 | 2026-07-21 14:26 | 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-07/21/2026 Ready for Review-Document Uploaded. 7/20/2026: Pease see attached Signed Acknowledgement of receipt of appraisal report. Acknowledgement states the borrower received appraisal on XX/XX/XXXX when they signed it. - Buyer-07/20/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Evidence of appraisal was provided to applicant is missing. - Due Diligence Vendor-07/16/2026 |
Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. - Due Diligence Vendor-07/21/2026 |
XXXXXXXXXX_XXXXXXXXXX_Appraisal Acknowledgement.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000099 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 13:08 | 2026-07-30 11:25 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received documentation confirming payment reflecting
on credit includes taxes and insurance. Resolved. - Due Diligence
Vendor-07/30/2026 Ready for Review-Document Uploaded. - Seller-07/27/2026 Counter-. - Due Diligence Vendor-07/24/2026 Counter-Received seller response and mortgage statement dated XX/XX/XXXX. Updated mortgage statement is requested to confirm payment includes full amounts used for taxes and insurance. 1003 reflects $X,XXX, statement reflects $X,XXX.XX. Condition remains. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. - Seller-07/22/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing mortgage statement or equivalent document to verify taxes and insurance is escrowed with mortgage payment for REO 3c disclosed on final 1003 of B1. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. - Seller-07/27/2026 Ready for Review-Document Uploaded. - Seller-07/22/2026 |
Resolved-Received documentation confirming payment reflecting on
credit includes taxes and insurance. Resolved. - Due Diligence
Vendor-07/30/2026 |
XXXXXXXXXX_XXXXXXXXXX_ XXX XXXXXXXXXX XX.pdf XXXXXXXXXX_XXXXXXXXXX_Response1.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000099 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 12:47 | 2026-07-30 11:25 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received documentation confirming payment reflecting
on credit includes taxes and insurance. Resolved. - Due Diligence
Vendor-07/30/2026 Ready for Review-Document Uploaded. Hello. Please see the uploaded seller response. They qualified using the higher payment. - Seller-07/27/2026 Counter-Received seller response and mortgage statement dated XX/XX/XXXX. Updated mortgage statement is requested to confirm payment includes full amounts used for taxes and insurance. 1003 reflects $X,XXX, statement reflects $X,XXX.XX. Condition remains. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Hello. Please see the response from seller. - Buyer-07/24/2026 Counter-Provided mortgage statement doesn't reflect the correct PITIA for the REO 3C on final 1003 application. Please provide a latest statement for the REO property. Condition remains. - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. - Buyer-07/22/2026 Open-Missing mortgage statement or equivalent document to verify taxes and insurance is escrowed with mortgage payment for REO 3c disclosed on final 1003 of B1. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Hello. Please see the
uploaded seller response. They qualified using the higher payment. - Seller-07/27/2026 |
Resolved-Received documentation confirming payment reflecting on
credit includes taxes and insurance. Resolved. - Due Diligence
Vendor-07/30/2026 |
XXXXXXXXXX_XXXXXXXXXX_ XXX XXXXXXXXXX XX.pdf XXXXXXXXXX_XXXXXXXXXX_Response.pdf XXXXXXXXXX_XXXXXXXXXX_Response1.pdf |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000099 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 16:03 | 2026-07-24 11:58 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved- Lender E-Consent received. Resolved. - Due Diligence
Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Lender LOE regarding eConsent has been uploaded for your review. - Seller-07/22/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrowers. E-Consent provided in file is dated XX/XX/XXXX vs E-signed documents are dated XX/XX/XXXX. - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. 7/22/26: The Lender LOE
regarding eConsent has been uploaded for your review. - Seller-07/22/2026 |
Resolved- Lender E-Consent received. Resolved. - Due Diligence
Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_ E Consent LOX Document.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000099 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 13:59 | 2026-07-24 11:57 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal
delivery provided. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Lender LOE regarding eConsent has been uploaded for your review. - Buyer-07/22/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. The appraisal was delivered electronically. E-Consent not provided prior to appraisal delivery. - Due Diligence Vendor-07/13/2026 |
Resolved-Sufficient E-Consent documentation for appraisal
delivery provided. - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_ E Consent LOX Document.pdf | XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000100 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 09:12 | 2026-07-14 09:12 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/14/2026 | Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000101 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:57 | 2026-07-16 16:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided Lender attestation that they do not
conduct business on Saturdays. condition resolved - Due Diligence
Vendor-07/16/2026 Resolved-Lender provided Lender attestation that they do not conduct business on Saturdays. condition resolved - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached LOE from the seller. They are not open for business on Saturdays, therefore XX/XX/XXXX is within three business days of XX/XX/XXXX. - Seller-07/16/2026 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)) 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-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the
attached LOE from the seller. They are
not open for business on Saturdays, therefore XX/XX/XXXX is within three
business days of XX/XX/XXXX. - Seller-07/16/2026 |
Resolved-Lender provided Lender attestation that they do not
conduct business on Saturdays. condition resolved - Due Diligence
Vendor-07/16/2026 Resolved-Lender provided Lender attestation that they do not conduct business on Saturdays. condition resolved - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000101 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:57 | 2026-07-16 16:36 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due Diligence Vendor-07/16/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 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. (12 CFR 1024.20) - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Acknowledged- - Due
Diligence Vendor-07/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000101 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:57 | 2026-07-16 16:36 | 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-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached LOE from the seller. They are not open for business on Saturdays, therefore XX/XX/XXXX is within three business days of XX/XX/XXXX. - Seller-07/16/2026 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)) 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-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the
attached LOE from the seller. They are
not open for business on Saturdays, therefore XX/XX/XXXX is within three
business days of XX/XX/XXXX. - Seller-07/16/2026 |
Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000101 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 16:14 | 2026-07-15 06:41 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-07/10/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not
Provided Timely. - Due Diligence
Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000105 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 16:22 | 2026-07-17 14:20 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Asset verifying bank statements available in file,
Condition resolved. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. LP reflects $XX,XXX.XX combined income. Asset base funds uploaded to portal. $XXXX.XX: B1 base $XXXX.XX: B1 Asset depletion ($XXX,XXX.XX/240)$XXX: B1 pension $X,XXX.XX: B2 base $X,XXX.XX: B2 pension $XX,XXX.XX: combined income. - Buyer-07/16/2026 Open-The final loan application reports additional income based on asset depletion, but the loan file does not include any supporting documents or bank statements to calculate the income. Please provide the bank statement to validate the income. - Due Diligence Vendor-07/10/2026 |
Resolved-Asset verifying bank statements available in file,
Condition resolved. - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_asset base funds $XXX,XXX.XX div 240.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000105 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 16:24 | 2026-07-17 14:16 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. LP reflects $XX,XXX.XX combined income. Asset base funds uploaded to portal. $XXXX.XX: B1 base $X,XXX.XX: B1 Asset depletion ($XXX,XXX.XX/XXX) $XXX: B1 pension $X,XXX.XX: B2 base $X,XXX.XX: B2 pension $XX,XXX.XX: combined income. - Buyer-07/16/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements The final loan application reports additional income based on asset depletion, but the loan file does not include any supporting documents or bank statements to calculate the income. Please provide the bank statement to validate the income. - Due Diligence Vendor-07/10/2026 |
Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_asset base funds $XXX,XXX.XX div 240.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000106 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 07:43 | 2026-07-22 15:25 | 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-07/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/14/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000106 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:18 | 2026-07-20 10:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received executed form 8821 with borrower 1 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Please see uploaded form 1177 for 8821. - Buyer-07/17/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Uploaded IRS 8821. - Buyer-07/15/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received executed form 8821 with borrower 1 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_IRS 8821.pdf XXXXXXXXXX_XXXXXXXXXX_IRS 8821.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000106 | XXXXXXX | XXXXXXXX | Seller | 2026-07-15 13:21 | 2026-08-05 08:47 | Open | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Open- - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/05/2026 Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-The CU and LCA both exceeded the allowable tolerance. Per the valuation waterfall, an AVM was ordered to confirm the property value. The AVM was also outside of the allowable tolerance. A CDA was then ordered, which confirmed the value of the property. - Due Diligence Vendor-07/22/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-The CU and LCA both exceeded the allowable tolerance. Per the valuation waterfall, an AVM was ordered to confirm the property value. The AVM was also outside of the allowable tolerance. A CDA was then ordered, which confirmed the value of the property. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000108 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:28 | 2026-07-24 07:16 | Resolved | 1 - Information | Compliance | Mavent | Late: Amount | Resolved-Received Note and Addendum stating amount of late
charge 5% of the payment or $XX (Whichever is greater) but not more than
$XXX. Resolved. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/21/26: Please see the uploaded NOTE with the Late Fee Addendum to Promissory Note on page 5 to clear condition. - Buyer-07/21/2026 Open-The late fee ($XXX.XX) exceeds the Alabama Mini-Code limit of the greater of $XX or 5% ($XX.XX) of the overdue payment, but not to exceed $XXX. (Ala. Code 5-19-4(a) & 8-8-5. XXXXXXXX v. XXXXXX XXXXXXXX, XXX., XXX XX XX XXX. XX XXXXX XXXXXX, XXX XX XX XXX) - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Received Note and Addendum stating amount of late
charge 5% of the payment or $XX (Whichever is greater) but not more than
$XXX. Resolved. - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXX_Note and Late Fee Addendum.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000111 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 10:07 | 2026-07-20 11:29 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Appraisal fee reflects -$XX paid at close and $XXX
before closing. Re-ran compliance. Resolved - Due Diligence Vendor-07/20/2026
Ready for Review-Document Uploaded. 7/16/26: The total of payments of $X,XXX,XXX.XX plus total Loan Cost of $XX,XXX.XX, plus Prepaid Interest of $XXXX.XX = total amount of payments of $X,XXX,XXX.XX. The Final CD shows total of Payments of $X,XXX,XXX.XX for a difference of $X.XX not $XXX.XX. Please advise where the $XXX.XX discrepancy calculation comes from. Thank you - Buyer-07/17/2026 Counter-Lender provided itemization of fees with total of payments of XXXXXXXX.XX, verify fees, which match and info total of payments, and still have $XXX.XX difference. condition remains the same - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/16/26: 7/16/26: The total amount of payments is $XXXX,XXX.XX and is not understated by $XXX.XX. Please see calculation below to clear condition. $X,XXX,XXX.XX Points XXXXX.XX XXXXX.X Tax Service Fee XX XXXX.XX Underwriting XXX $X,XXX,XXX.XX Flood Cert X Mers Registration XX.X Courier Fee XX Recording Service X Processing Fee XXX Prepaids XXXX.XX - Buyer-07/16/2026 Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Appraisal fee reflects -$XX paid at close and $XXX
before closing. Re-ran compliance. Resolved - Due Diligence
Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_ total payments LOE.pdf XXXXXXXXXX_XXXXXXXXXX_Total Payment Calculation .pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000112 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:43 | 2026-07-20 08:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Received executed form 8821 with borrower 2 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Uploaded for 8821 for both borrowers with XXXXXXX Consent Form 1177. - Buyer-07/17/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. IRS 8821 for both borrowers. - Buyer-07/15/2026 Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received executed form 8821 with borrower 2 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_IRS 8821.pdf XXXXXXXXXX_XXXXXXXXXX_IRS 8821 and 1177.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000112 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:43 | 2026-07-20 08:16 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received executed form 8821 with borrower 1 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Uploaded for 8821 for both borrowers with XXXXX Consent Form 1177. - Buyer-07/17/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. IRS 8821 for both borrowers. - Buyer-07/15/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received executed form 8821 with borrower 1 consent,
condition resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_IRS 8821.pdf XXXXXXXXXX_XXXXXXXXXX_IRS 8821 and 1177.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000114 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:40 | 2026-07-17 14:43 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall - Replacement Cost Provided | Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal
to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement
Coverage is present - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Note loan amount $XXX,XXX. XXX $XXX,XXX uploaded to portal. - Buyer-07/16/2026 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXXXXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXXXXX The loan amount is $XXX,XXX and Coverage Amount $XXX,XXX - Due Diligence Vendor-07/10/2026 |
Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to
or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement
Coverage is present - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_RCE.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000114 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 09:05 | 2026-07-17 13:38 | 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-07/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/14/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000114 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 08:14 | 2026-08-05 08:14 | Open | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. - Due Diligence Vendor-08/05/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000115 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 10:56 | 2026-08-05 10:30 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. Appraisal date is XX/XX/XXXX but appraisal
delivery date is before the appraisal. This finding is deemed non-material
and will be rated B for all agencies - Due Diligence Vendor-08/05/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Appraisal date is XX/XX/XXXX but appraisal delivery date is before the appraisal. - Due Diligence Vendor-07/13/2026 |
Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. Appraisal date is XX/XX/XXXX but appraisal
delivery date is before the appraisal. This finding is deemed non-material
and will be rated B for all agencies - Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000115 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 07:50 | 2026-07-17 13:41 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 2 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000121 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:44 | 2026-07-22 08:01 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Received form 8821 with Borrowers consent in favor of
the lender, condition resolved. - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. IRS form 8821 and e consent (lender designee) uploaded - Buyer-07/21/2026 Counter-IRS form 8821 and e consent (lender designee) not yet received, kindly provided executed 4506-T or 8821 with the lender listed as designee on it. Condition remains. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. IRS form 8821 and e consent (lender designee) uploaded - Buyer-07/20/2026 Counter-Received form 8821, however it cannot be accepted as Lender is not listed as a designee. Kindly provided executed 4506-T or 8821 with the lender listed on it. Condition remains. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. IRS 8821 alternative uploaded to portal. - Buyer-07/16/2026 Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-07/10/2026 |
Resolved-Received form 8821 with Borrowers consent in favor of
the lender, condition resolved. - Due Diligence Vendor-07/22/2026 |
XXXXXXXXXX_XXXXX_IRS 8821.pdf XXXXXXXXXX_XXXXXXXXXX_XXXXXXXXXX.pdf XXXXXXXXXX_XXXXXX__lender designee.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000121 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 13:38 | 2026-07-17 08:45 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Demand letter for XXXXXXX XXXX HOA available in file,
condition cleared. - Due Diligence Vendor-07/17/2026 Ready for Review-Payoff demand totaling $XXX.XX ($XXX+$XXX.XX) uploaded to portal. - Buyer-07/16/2026 Open- XXXXXXX XXXX HOA liability is getting paid off and the payoff statement is missing for same - Due Diligence Vendor-07/14/2026 |
Resolved-Demand letter for XXXXXXXXXXX XXXX HOA available in
file, condition cleared. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000123 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 11:47 | 2026-08-05 10:49 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This
finding is deemed non-material and will be rated B for all agencies - Due
Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 Open-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of <<Appraiser_Signature_Date>> is after the Primary Appraisal Delivery Date of <<Appraisal_Delivery_Date>>. - Due Diligence Vendor-07/10/2026 |
Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This
finding is deemed non-material and will be rated B for all agencies - Due
Diligence Vendor-08/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000011 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 10:38 | 2026-07-24 11:12 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received 1003, 1008, #XXX mortgage statement showing
escrow PITI and lox no HOA. Resolved. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. The $X,XXX in monthly TIA reflected on 1003 is incorrect. The mortgage statement reflect the HOI and property taxes are escrowed. HOA letter in file reflect no HOA fees associated with the departure residence. The loan application and form 1008 reflect the full PITI was included in debt for the departure residence. Uploaded - Buyer-07/23/2026 Open-Property #XXX XXXXXX XXX - $XXXX payment proof document is missing in file. - Due Diligence Vendor-07/21/2026 |
Resolved-Received 1003, 1008, #XXX mortgage statement showing
escrow PITI and lox no HOA. Resolved. - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXXXX_PITI departure res.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000129 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 10:30 | 2026-08-05 10:54 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW.
This finding is deemed non-material and will be rated a B for all agencies -
Due Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 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-07/10/2026 |
Acknowledged-Value grade equals B, loan approved with a PIW.
This finding is deemed non-material and will be rated a B for all agencies -
Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000134 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:37 | 2026-07-22 16:24 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000137 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 11:30 | 2026-07-24 09:00 | 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-07/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide post-closing review to support the value used in qualification (UCDP doesn't apply to 2-4 units). - Due Diligence Vendor-07/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/24/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000139 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 14:44 | 2026-08-05 09:00 | 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-07/17/2026 Ready for Review-Document Uploaded. Undisclosed Debt verification document for XXXX #XXXX received. Uploaded to portal. - Buyer-07/16/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Provide documentation to support the new XXXX #XXXX account reflected on the final 1003. - Due Diligence Vendor-07/15/2026 |
Resolved-ATR Risk - Monthly Debt Obligations taken into
consideration meet requirements - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXX_XXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000139 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:50 | 2026-07-17 11:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received Undisclosed Debt Verification document for
XXXX tradeline, condition resolved. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Undisclosed Debt verification document for XXXX #XXXX received. Uploaded to portal. - Buyer-07/16/2026 Open-Provide documentation to support the new XXXX #XXXX account reflected on the final 1003. - Due Diligence Vendor-07/10/2026 |
Resolved-Received Undisclosed Debt Verification document for
XXXX tradeline, condition resolved. - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXX_XXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000144 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 14:41 | 2026-08-05 14:41 | Open | 1 - Information | Property | Value | AVM Fitch approved vendor score did not meet published criteria | Open-Fitch Only - AVM provided by XXXXX XXXXX with FSD score does not meet published criteria. Value grade equals D. This finding will be rated a D for Fitch. - Due Diligence Vendor-08/05/2026 | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000147 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:18 | 2026-08-05 08:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved-ATR Risk - Employment validation/verification
standards meet requirements Received payment history covering XXXX and XXXX
YTD income for B1, condition cleared. - Due Diligence Vendor-07/23/2026 Resolved-Borrower 1 3rd Party VOE received. Resolved. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Note date XX/XX/XXXX. B1 VVOE XX/XX/XXXX received. Uploaded to portal. - Buyer-07/16/2026 Open-ATR Risk - Employment validation/verification standards do not meet requirements DU requires the following to document employment: a VVOE or paystub within 10 business days of closing or a bank statement showing the deposit within 15 business days of closing. The file contained an undated letter from the employer. - Due Diligence Vendor-07/14/2026 |
Resolved-ATR Risk - Employment validation/verification standards
meet requirements Received payment history covering XXXX and XXXX YTD income
for B1, condition cleared. - Due Diligence Vendor-07/23/2026 Resolved-Borrower 1 3rd Party VOE received. Resolved. - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXX_B1 VVOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000147 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:18 | 2026-08-05 08:43 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were
considered Received payment history covering XXXX and XXXX YTD income for B1,
condition cleared. - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. See UW comments on form 1008 regarding calculation of base and OT incomes. IHHS ledger and notice states that their ledger is the WVOE. UW explanation, income calculation, IHSS ledger, XXXX ytd paystub, XXXX year end paystub uploaded - Seller-07/22/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements DU requires either 2 years' W2s or a WVOE to document the borrower's income. The file only contained paystubs. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. See UW comments on form 1008
regarding calculation of base and OT incomes. IHHS ledger and notice states
that their ledger is the WVOE. UW explanation, income calculation, IHSS
ledger, 2026 ytd paystub, XXXX year end paystub uploaded -
Seller-07/22/2026 |
Resolved-ATR Risk - Current Income or Current Assets were
considered Received payment history covering XXXX and XXXX YTD income for B1,
condition cleared. - Due Diligence Vendor-07/23/2026 |
XXXXXXXXXX_XXXX_XXXX income.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000147 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:18 | 2026-07-23 11:01 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided Received payment history
covering XXXX and XXXX YTD income for B1, condition cleared. - Due Diligence
Vendor-07/23/2026 Resolved-Received payment history covering XXXX and XXXX YTD income for B1, condition cleared. - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. See UW comments on form 1008 regarding calculation of base and OT incomes. IHHS ledger and notice states that their ledger is the WVOE. UW explanation, income calculation, IHSS ledger, XXXX ytd paystub, XXXX year end paystub uploaded - Buyer-07/22/2026 Open-Borrower 1 W2/1099 Missing Guidelines require either 2 years' W2s or a WVOE to document the borrower's employment. The file only contained paystubs. - Due Diligence Vendor-07/14/2026 |
Resolved-Borrower 1 W2/1099 Provided Received payment history
covering XXXX and XXXX YTD income for B1, condition cleared. - Due Diligence
Vendor-07/23/2026 Resolved-Received payment history covering XXXX and XXXX YTD income for B1, condition cleared. - Due Diligence Vendor-07/23/2026 |
XXXXXXXXXX_XXXX_XXXX income.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000147 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:18 | 2026-07-23 11:00 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE received. Resolved. - Due
Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Note date XX/XX/XXXX . B1 VVOE XX/XX/XXXX received. Uploaded to portal. - Seller-07/16/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing DU requires the following to document employment: a VVOE or paystub within 10 business days of closing or a bank statement showing the deposit within 15 business days of closing. The file contained an undated letter from the employer. - Due Diligence Vendor-07/14/2026 |
Ready for Review-Document Uploaded. Note date XX/XX/XXXX. B1
VVOE XX/XX/XXXX received. Uploaded to portal. - Seller-07/16/2026 |
Resolved-Borrower 1 3rd Party VOE received. Resolved. - Due
Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXX_B1 VVOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000147 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:54 | 2026-07-16 15:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC for the increase in Appraisal fee.
condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/15/26: The COC dated XX/XX/XXXX that indicates Appraisal Fee increased due to Market Complexities and rust request. - Buyer-07/15/2026 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: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Appraisal Fee increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 |
Resolved-Lender provided COC for the increase in Appraisal fee.
condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXX_Change In Circumstance.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000147 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:54 | 2026-07-16 15:29 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided COC for the increase in Appraisal fee.
condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/15/26: The COC dated XX/XX/XXXX that indicates Appraisal Fee increased due to Market Complexities and rust request. - Buyer-07/15/2026 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: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects an Appraisal fee of $XXX. Final CD dated XX/XX/XXXX reflects an appraisal fee of $XXX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $XXX to be provided within 60 days of discovery. - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 |
Resolved-Lender provided COC for the increase in Appraisal fee.
condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXX_Change In Circumstance.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000148 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:14 | 2026-07-16 16:30 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC for Verification Fee. condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached COC that was sent with the final CD. - Seller-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Final CD dated XX/XX/XXXX reflects a Verification of employment fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the
attached COC that was sent with the final CD. - Seller-07/16/2026 |
Resolved-Lender provided COC for Verification Fee. condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_COC.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000148 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 18:19 | 2026-07-16 16:30 | Resolved | 1 - Information | Compliance | Mavent | Rescission: Variance | Resolved-Lender provided PCD to how the correct date for
rescission period, condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, the Post-Consummation Closing Disclosure reflects the accurate Closing Date of XX/XX/XXXX per the security instrument and Disbursement Date of XX/XX/XXXX. The Disbursement Date is after the expiration of the borrower's right to cancel. - Buyer-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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 Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XX/XX/XXXX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XX/XX/XXXX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the 3rd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections 1026.32(c) and (d) and 1026.43(g) (if applicable). (12 CFR 1026.23) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the final CD, which did not give the Borrower a full 3-day rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided PCD to how the correct date for
rescission period, condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Closing Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000148 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:14 | 2026-07-16 16:20 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender provided COC for Verification Fee. condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached COC that was sent with the final CD. - Buyer-07/16/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Verification Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Final CD dated XX/XX/XXXX reflects a Verification of employment fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided COC for Verification Fee. condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_COC.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000152 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:10 | 2026-07-21 12:24 | Resolved | 1 - Information | Credit | Closing | Borrower 2 Photo ID is expired | Resolved-Valid driver's license received for B2, condition
resolved. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. Copy of the unexpired driver's license for B2 (XXXXX) received. Uploaded - Buyer-07/20/2026 Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Expiry date updated as per document #461 - Due Diligence Vendor-07/10/2026 |
Resolved-Valid driver's license received for B2, condition
resolved. - Due Diligence Vendor-07/21/2026 |
XXXXXXXXXX_XXXXXXXXXX_unexpired DL b2.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000152 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:10 | 2026-07-21 12:24 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Photo ID is expired | Resolved-Valid driver's license received for B1, condition
resolved. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. Copy of the unexpired driver's license for B1 (XXXX) received. Uploaded - Buyer-07/20/2026 Open-Borrower photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. Expiry date updated as per document #462 - Due Diligence Vendor-07/10/2026 |
Resolved-Valid driver's license received for B1, condition
resolved. - Due Diligence Vendor-07/21/2026 |
XXXXXXXXXX_XXXXXXXXXX_unexpired DL b1.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000152 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:57 | 2026-07-10 07:57 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-07/10/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000156 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 12:38 | 2026-07-17 14:26 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. EMD $XX,XXX. EMD $XX,XXX ($XX fee) cleared #XXXX on XX/XX/XXXX and $X,XXX ($XX fee) cleared #XXXX on XX/XX/XXXX. Uploaded - Buyer-07/16/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Earnest money deposit (EMD) Proof not provided in file. - Due Diligence Vendor-07/13/2026 |
Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_EMD.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000156 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 12:22 | 2026-07-13 12:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - Due Diligence Vendor-07/13/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. - Due Diligence Vendor-07/13/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000157 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:48 | 2026-07-16 14:43 | Resolved | 1 - Information | Compliance | Missing Doc | Missing Attorney Preference Letter | Resolved-Right To Choose Attorney or Attorney Preference
Resolved or Not Applicable - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/15/26: The Attorney Preference Letters have been uploaded for your review. - Buyer-07/15/2026 Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-07/10/2026 |
Resolved-Right To Choose Attorney or Attorney Preference
Resolved or Not Applicable - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXX_Attorney Preference Letter.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000158 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 08:16 | 2026-08-05 10:02 | 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-07/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000158 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 16:15 | 2026-07-16 16:57 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-TX 50(a)(6) Violation: Acknowledgment of Fair Market
Value disclosure signed by both Borrower(s) and Lender. condition resolved. -
Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/16/26: The signed Fair Market Value disclosure has been uploaded for your review. - Buyer-07/16/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. - Due Diligence Vendor-07/10/2026 |
Resolved-TX 50(a)(6) Violation: Acknowledgment of Fair Market
Value disclosure signed by both Borrower(s) and Lender. condition resolved. -
Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Fair Market Value Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000158 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 16:15 | 2026-07-16 16:57 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-TX 50(a)(6) Violation: Acknowledgment of Fair Market
Value disclosure signed by both Borrower(s) and Lender. condition resolved. -
Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/16/26: The signed Fair Market Value disclosure has been uploaded for your review. - Buyer-07/16/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. - Due Diligence Vendor-07/10/2026 |
Resolved-TX 50(a)(6) Violation: Acknowledgment of Fair Market
Value disclosure signed by both Borrower(s) and Lender. condition resolved. -
Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_Fair Market Value Disclosure.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000012 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 09:04 | 2026-07-22 12:56 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/20/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000012 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 09:53 | 2026-07-21 14:41 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. Value grade equals B, loan approved with a PIW - Due Diligence Vendor-07/20/2026 | Acknowledged-Value grade equals B, loan approved with a PIW.
Value grade equals B, loan approved with a PIW - Due Diligence
Vendor-07/20/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000167 | XXXXXXX | XXXXXXXX | Seller | 2026-08-06 08:17 | 2026-08-06 10:59 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Document Uploaded.
- Due Diligence Vendor-08/06/2026 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-08/06/2026 |
Resolved-Document Uploaded.
- Due Diligence Vendor-08/06/2026 |
Property Inspection Report - XXXXXXXXX (1).pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000169 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:52 | 2026-07-16 18:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Disclosure Tolerance | Resolved-Lender provided itemization of fees included in total
of payments of fees included, review fees, made changes to fees, condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/16/26: The total amount of payments is $XXXXXXX.XXand is not understated by $XXX.XX. Please see calculation below to clear condition. APR Fees Points 1 Closing Protection XXX Appraisal Admin XXX Title Commitment XX.X e-Record fee XX Settlement fee XXX Prepaid XXXX.XX $X,XXX,XXX.XX Total loan cost XXXX.XX Prepaids XXXX.XX Total amount of payments $X,XXX,XXX.XX - Buyer-07/16/2026 Open-The disclosed Total of Payments ($X,XXX,XXX.XX) is understated by more than $XXX when compared to the actual Total of Payments ($X,XXX,XXX.XX). The difference is ($X,XXX.XX). Regulation Z considers the disclosed Total of Payments inaccurate if it understated by more than $XXX. (12 CFR 1026.38(o)(1)) - Due Diligence Vendor-07/14/2026 Open-Total of Payments increased by $XXXX.XX, difference is more then $XXX - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided itemization of fees included in total
of payments of fees included, review fees, made changes to fees, condition
resolved. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXX_ total payments LOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000170 | XXXXXXX | XXXXXXXX | Seller | 2026-07-10 07:17 | 2026-07-16 12:02 | Open | 3 - Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Open-The disclosed finance charge ($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-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000171 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:14 | 2026-07-16 16:50 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Received At Least Four Business Days Before Consummation | Resolved-Lender provided evidence of delivery of revised LE,
condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached Loan Estimate, Change of Circumstance, and esign tracking log. The tracking log reflects the borrower opened the package on XX/XX/XXXX even though the signature date is XX/XX/XXXX. - Buyer-07/16/2026 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (Other). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (XX/XX/XXXX). (12 CFR 1026.19(e)(4)(ii)) Provide eSign Process Summary to confirm the revised LE was received electronically. Additional conditions may apply upon receipt. Compliance will be re-run upon receipt. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Lender provided evidence of delivery of revised LE,
condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-Resolved - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXX_Loan Estimate XX/XX/XXXX.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000173 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:56 | 2026-08-03 17:45 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Cured-Lender provided LOE, PCCD, and refund of $XX.XX. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-08/03/2026 Ready for Review-Document Uploaded. Attached PCCD, LOX, Check, POD - Buyer-08/03/2026 Open-The total amount of the 10% category fees ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fees in LE issued XX/XX/XXXX is $XX on pg# 241-243, however in Closing disclosure issued on XX/XX/XXXX pg# 149-153 recording fees is $XX which is above the 10% tolerance. Valid Change of Circumstances is missing for this change in fees. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Cured-Lender provided LOE, PCCD, and refund of $XX.XX. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-08/03/2026 |
XXXXXXXXXX_XXXXXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000173 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:56 | 2026-08-03 17:45 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Cured-Lender provided LOE, PCCD, and refund of $XX.XX. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-08/03/2026 Ready for Review-Document Uploaded. Attached PCCD, LOX, Check, POD - Buyer-08/03/2026 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fees in LE issued XX/XX/XXXX is $XX on pg# 241-243, however in Closing disclosure issued on 0XX/XX/XXXX pg# 149-153 recording fees is $XX which is above the 10% tolerance. Valid Change of Circumstances is missing for this change in fees. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Cured-Lender provided LOE, PCCD, and refund of $XX.XX. This
finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-08/03/2026 |
XXXXXXXXXX_XXXXXXXXXX.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000174 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:22 | 2026-07-20 11:14 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-Sufficient E-Consent documentation for appraisal
delivery provided. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. 7/17/26: The Disclosure tracking indicating e-Consent on XX/XX/XXXX has been uploaded for your review. - Buyer-07/17/2026 Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX - Due Diligence Vendor-07/10/2026 |
Resolved-Sufficient E-Consent documentation for appraisal
delivery provided. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_Tracking_eConsent.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000174 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:22 | 2026-07-15 15:27 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged- - Due Diligence Vendor-07/15/2026 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 - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000175 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 05:49 | 2026-07-24 09:02 | 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-07/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/24/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000175 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 18:31 | 2026-07-15 15:19 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000178 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 09:02 | 2026-07-24 09:05 | 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-07/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. . - Due Diligence Vendor-07/14/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/24/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000181 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:54 | 2026-07-16 15:54 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-RESPA: Toolkit provided. condition resolved. - Due
Diligence Vendor-07/16/2026 Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/16/26: The Disclosure tracking log indicating the Toolkit/Special Info Booklet was provided on XX/XX/XXXX has been uploaded for your review. - Buyer-07/16/2026 Open-RESPA: Toolkit Missing or Incomplete. - Due Diligence Vendor-07/10/2026 |
Resolved-RESPA: Toolkit provided. condition resolved. - Due
Diligence Vendor-07/16/2026 Resolved-RESPA: Toolkit provided. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXXXXXX_ Audit Log-Toolkit.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000182 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:49 | 2026-08-05 10:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This
finding is deemed non-material and will be rated B for all agencies - Due
Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 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. - Due Diligence Vendor-07/14/2026 |
Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This
finding is deemed non-material and will be rated B for all agencies - Due
Diligence Vendor-08/05/2026 |
XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000184 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 15:17 | 2026-07-24 11:36 | Resolved | 1 - Information | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received evidence of taxes. Resolved. - Due Diligence
Vendor-07/24/2026 Ready for Review-Document Uploaded. - Buyer-07/23/2026 Counter-Lender provided tax calculation email from the title company, however the Sales price considered for calculations doesn't match the final Sales price in the subject transaction which can be verified on from the AUS, Appraisal documents in file. Evidence of correct Property tax is still missing. Condition remains. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Tax Info - Buyer-07/15/2026 Open-Missing Evidence of Property Tax Updated tax cert missing in file. - Due Diligence Vendor-07/14/2026 |
Resolved-Received evidence of taxes. Resolved. - Due Diligence
Vendor-07/24/2026 |
XXXXXXXXXX_XXXXX_Tax Info.pdf XXXXXXXXXX_XXXXX_Taxes.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000187 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:46 | 2026-07-20 10:57 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-. - Due Diligence Vendor-07/20/2026 Resolved-Received attestation confirming lender does not conduct business of Saturdays. Resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. 7/17/26: The Lender Attestation Letter regarding they are closed for business on Saturday's therefore the LE and SSPL are within 3 business days of the application has been uploaded for your review. - Buyer-07/17/2026 Open- - Due Diligence Vendor-07/15/2026 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 evidence that XXXXXXXX XXX XXXXXXXX XXXXX, XXX is closed on Saturday. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-. - Due Diligence Vendor-07/20/2026 Resolved-Received attestation confirming lender does not conduct business of Saturdays. Resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXX_XXXXX_Attestation Letter.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000187 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:46 | 2026-07-20 10:54 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received attestation lender does not conduct business
on Saturdays. Resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. 7/17/26: The Lender Attestation Letter regarding they are closed for business on Saturday's therefore the LE and SSPL are within 3 business days of the application has been uploaded for your review. - Buyer-07/17/2026 Open- - Due Diligence Vendor-07/15/2026 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 evidence that XXXXXXXX XXX XXXXXXXX XXXXXX, XXX. is closed on Saturday. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Received attestation lender does not conduct business
on Saturdays. Resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_Attestation Letter.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000187 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:05 | 2026-07-15 15:17 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. Provide evidence that XXXXXXXX XXX XXXXXXXX XXXXX, XXX is closed on Saturday. - Due Diligence Vendor-07/15/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000189 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 04:32 | 2026-08-05 10:37 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Final CD to show borrower signed
XX/XX/XXXX, condition resolved. - Due Diligence Vendor-08/05/2026 Resolved-Lender provided Final CD to show borrower signed XX/XX/XXXX, condition resolved. - Due Diligence Vendor-07/16/2026 Resolved- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see attached initial closing disclosure. The borrower acknowledged this CD on XX/XX/XXXX which is three days prior to consummation on XX/XX/XXXX. - Seller-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Compliance will be re-reviewed upon receipt of the initial CD. Additional conditions may apply. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Hello, please see attached
initial closing disclosure. The
borrower acknowledged this CD on XX/XX/XXXX which is three days prior to
consummation on XX/XX/XXXX. - Seller-07/15/2026 |
Resolved-Lender provided Final CD to show borrower signed
XX/XX/XXXX, condition resolved. - Due Diligence Vendor-08/05/2026 Resolved-Lender provided Final CD to show borrower signed XX/XX/XXXX, condition resolved. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXX_Closing Disclosure.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000189 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 04:32 | 2026-08-05 10:35 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender credit for credit report on final CD.
Compliance re-ran. Resolved - Due Diligence Vendor-08/05/2026 Resolved-Resolved - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Hello, the Final Closing Disclosure include a tolerance cure for the increase in the Credit Report Fee. Please see section J on page 2. - Seller-07/17/2026 Counter-Lender provided Final CD to show Wire fee was not a lender paid fee, we need the COC for increase credit report fee. condition remains the same. - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Ready for Review-Hello, the Wire Transfer Fee is a fee paid to an unaffiliated third party and not subject to a tolerance threshold due to borrower selection of a title provider other than the one on the written list of service providers. Please revise the condition so information regarding the Credit Report Fee increase can be requested. - Buyer-07/15/2026 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: Credit Report Fee, Wire Transfer 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)). Provide a legible copy of a valid COC. Compliance will be re-run upon receipt. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Document Uploaded. Hello, the Final Closing
Disclosure include a tolerance cure for the increase in the Credit Report
Fee. Please see section J on page 2. - Seller-07/17/2026 |
Resolved-Lender credit for credit report on final CD. Compliance
re-ran. Resolved - Due Diligence Vendor-08/05/2026 Resolved-Resolved - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXX_Final Closing Disclosure.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000189 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 04:32 | 2026-07-20 11:39 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender credit for credit report on final CD.
Compliance re-ran. Resolved. - Due Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Hello, the Final Closing Disclosure include a tolerance cure for the increase in the Credit Report Fee. Please see section J on page 2. - Buyer-07/17/2026 Counter-Lender provided Final CD to show Wire fee was not a lender paid fee, we need the COC for increase credit report fee. condition remains the same. - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Ready for Review-Hello, the Wire Transfer Fee is a fee paid to an unaffiliated third party and not subject to a tolerance threshold due to borrower selection of a title provider other than the one on the written list of service providers. Please revise the condition so information regarding the Credit Report Fee increase can be requested. - Seller-07/15/2026 Open- - Due Diligence Vendor-07/15/2026 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: Credit Report Fee, Wire Transfer 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)). Provide a legible copy of a valid COC. Compliance will be re-run upon receipt. - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/15/2026 Open- - Due Diligence Vendor-07/13/2026 |
Ready for Review-Hello, the Wire Transfer Fee is a fee paid to
an unaffiliated third party and not subject to a tolerance threshold due to
borrower selection of a title provider other than the one on the written list
of service providers. Please revise
the condition so information regarding the Credit Report Fee increase can be
requested. - Seller-07/15/2026 |
Resolved-Lender credit for credit report on final CD. Compliance
re-ran. Resolved. - Due Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXX_Final Closing Disclosure.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000190 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 08:44 | 2026-08-05 09:03 | 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-07/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a secondary post-closing review that supports value (UCDP score is 3.6, and the AVM isn't within tolerance). Additional conditions may apply upon receipt. - Due Diligence Vendor-07/15/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000191 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:25 | 2026-08-05 10:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-Privacy Notice Required - Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000191 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:25 | 2026-08-05 10:31 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-RESPA: Toolkit Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000191 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:51 | 2026-07-15 08:46 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/10/2026 | Acknowledged-ECOA Non-Compliant: 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-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000192 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 14:22 | 2026-08-05 14:42 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. - Due Diligence Vendor-07/13/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. - Due Diligence Vendor-07/13/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000193 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 10:11 | 2026-07-31 10:12 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received credit report dated prior to closing
verifying the tradeline, condition resolved. - Due Diligence
Vendor-07/31/2026 Ready for Review-Document Uploaded. Preclose copy of the credit report received. The XXXX account reflects $XXX balance with no payment reflected. Using 5% per XXXXXX XXX guidelines would be $XX.XX per month Uploaded - Buyer-07/30/2026 Open-Documentation is missing to verify revolving account disclosed on final 1003 of balance $XXX and payment of $XX.XX. - Due Diligence Vendor-07/10/2026 |
Resolved-Received credit report dated prior to closing verifying
the tradeline, condition resolved. - Due Diligence Vendor-07/31/2026 |
XXXXXXXXXX_XXXXXXXXXX_XXXX acct.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000193 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 10:03 | 2026-07-31 10:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-Received credit report dated prior to closing
verifying the tradeline. ATR Risk - Monthly Debt Obligations taken into
consideration meet requirements - Due Diligence Vendor-07/31/2026 Ready for Review-Document Uploaded. Preclose copy of the credit report received. The XXXX account reflects $XXX balance with no payment reflected. Using 5% per XXXXXX XXX guidelines would be $XX.XX per month. Uploaded - Buyer-07/30/2026 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Documentation is missing to verify revolving account disclosed on final 1003 of balance $XXX and payment of $XX.XX. - Due Diligence Vendor-07/10/2026 |
Resolved-Received credit report dated prior to closing verifying
the tradeline. ATR Risk - Monthly Debt Obligations taken into consideration
meet requirements - Due Diligence Vendor-07/31/2026 |
XXXXXXXXXX_XXXXXXXXXX_XXXX acct.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000193 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 09:05 | 2026-07-15 15:25 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-Value grade equals B, loan approved with a PIW. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000194 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:11 | 2026-07-16 15:23 | Resolved | 1 - Information | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Received Compliance Report, discount points bona fide
and excluded. Resolved. - Due Diligence Vendor-07/16/2026 Open- - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached Compliance Report from the seller. It reflects an undiscounted rate of 6.75% and the note rate is 6.375%. Points may be considered bona fide and 2% is excluded from QM Points and Fees. - Buyer-07/15/2026 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($XX,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Received Compliance Report, discount points bona fide
and excluded. Resolved. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXX_Compliance Report.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000195 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:42 | 2026-08-05 10:44 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence
appraisal was provided to applicant. This finding is deemed non-material and
will be rated B for all agencies - Due Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/10/2026 |
Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence
appraisal was provided to applicant. This finding is deemed non-material and
will be rated B for all agencies - Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000198 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:11 | 2026-07-30 13:37 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. 7/27/26: Dispute: The Regulation Z Official Staff Commentary supports the practice of allocating general lender and seller credits to offset the finance charge and APR as applicable. The Official Staff Commentary provides that when a creditor offers a cash premium, merchandise, or a seller/manufacturer rebate to a prospective borrower, the premium or rebate must be reflected in the TILA disclosures in accordance with the terms of legal obligation. Regulation Z Official Staff Commentary, at §1026.17(c)(1)-19. The Commentary does not suggest that a creditor has the option to disregard the effect of a premium or to account for it “in any manner.” Instead, the creditor is required to account for the premium or rebate in the TILA/TRID disclosures to the extent that it represents part of the legal obligation in the credit transaction. The itemization is intended to show how the credit was taken into account. The itemization is used in place of allocating on the CD. Please review the Itemization of Settlement Charges for the fee allocation. - Buyer-07/27/2026 Counter-Received Lender LOE and Itemization regarding the disclosed finance charges. Please provide corrected Final Closing Disclosure reflecting lender paid finance charges. The Final CD dated XX/XX/XXXX reflects these charges as borrower paid. Upon receipt compliance will be re-evaluated. Condition remains. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/21/26: Please see the uploaded Lender LOE and Itemization regarding the disclosed finance charge for your review. - Buyer-07/21/2026 Open- - Due Diligence Vendor-07/14/2026 Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Resolved-Resolved - Due Diligence Vendor-07/30/2026 |
XXXXXXXXXX_XXXXX_temization of Settlement Charges.pdf XXXXXXXXXX_XXXXX_Lender LOE.pdf XXXXXXXXXX_XXXXX_Lender LOE-2.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000017 | XXXXXXX | XXXXXXXX | Buyer | 2026-07-22 06:09 | 2026-08-05 16:01 | Ready for Review | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Ready for Review-Document Uploaded. 8/5/26: The dated Appraisal
POD has been uploaded for your review. - Buyer-08/05/2026 Counter-Appraisal delivery received but missing date. Please provide appraisal delivery dated after appraisal signature date. Condition remains. - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. 7/27/26: Appraisal POD has been uploaded for your review. - Buyer-07/27/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/22/2026 |
XXXXXXXXXX_XXXXXX_Appraisal POD.pdf XXXXXXXXXX_XXXXXX_Appraisal delivery.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000017 | XXXXXXX | XXXXXXXX | Buyer | 2026-07-22 06:46 | 2026-08-05 13:01 | Ready for Review | 3 - Material | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Ready for Review-Document Uploaded. 8/5/26: The Compliance
report with address listed has been uploaded for your review. - Seller-08/05/2026 Counter-The reduction in rate per discount point charged is 0.188% which is below Opus' threshold of 0.20%. Therefore, Discount Points cannot be deemed bona fide. - Due Diligence Vendor-07/30/2026 Open- - Due Diligence Vendor-07/30/2026 Open- - Due Diligence Vendor-07/30/2026 Open- - Due Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. 7/28/26: The loan fees ($XX,XXX.XX) minus 2% bonafide discount DO NOT exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total LoanAmount = $X,XXX --- For a $XXX,XXX loan amount, the maximum allowable Qualified Mortgage (QM) points and fees cap is 3% of the total loan amount, which equals a maximum fee limit of $X,XXX. This falls into the highest loan tier under Consumer Financial Protection Bureau Regulation Z guidelines for loan amounts greater than or equal to $XXX,XXX we are in agreeance there. Loan Amount: $XXX,XXX Applicable Tier Threshold: Greater than or equal to $XXX,XXX Percentage Cap: 3.0% Max Fee Cap Result: $XXX,XXX × 0.03 = $X,XXX The calculation and per the PASSING Compliance report The bonafide discount points 2% are excluded $X,XXX.XX; it is reflected in our PASSING compliance report, please see section for last disclosure (PCCD) dated XX/XX/XXXX. Undiscounted Rate/PAR - This is clearly stated in the compliance report section for "Loan information" --- PG 56 of 69 of our Compliance report. Undiscounted Rate/PAR This is clearly stated in the compliance report section for "Loan information" --- PG 56 of 69 of Compliance report. - Seller-07/28/2026 Counter-Hello, Compliance report provided does not list the property address. Documents found in file including AUS, Final 1003, 1008 and Occupancy statement reflect subject property as a primary residence. Condition remains. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/23/26(XX): uploaded Compliance report that states Mortgage APR and Points and Fees threshold test does not apply as loan is secured by vacation or investment dwelling. - Seller-07/23/2026 Open-The loan fees ($XX,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($X,XXX.XX). (12 CFR 1026.43(e)(3). The discount point is excluded $X,XXX, however it is not capture in mavent - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 Open- - Due Diligence Vendor-07/22/2026 |
Ready for Review-Document Uploaded. 8/5/26: The Compliance
report with address listed has been uploaded for your review. - Seller-08/05/2026 Ready for Review-Document Uploaded. 7/28/26: The loan fees ($XX,XXX.XX) minus 2% bonafide discount DO NOT exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total LoanAmount = $X,XXX --- For a $XXX,XXX loan amount, the maximum allowable Qualified Mortgage (QM) points and fees cap is 3% of the total loan amount, which equals a maximum fee limit of $X,XXX. This falls into the highest loan tier under Consumer Financial Protection Bureau Regulation Z guidelines for loan amounts greater than or equal to $XXX,XXX we are in agreeance there. Loan Amount: $XXX,XXX Applicable Tier Threshold: Greater than or equal to $XXX,XXX Percentage Cap: 3.0% Max Fee Cap Result: $XXX,XXX × 0.03 = $X,XXX The calculation and per the PASSING Compliance report The bonafide discount points 2% are excluded $X,XXX.XX; it is reflected in our PASSING compliance report, please see section for last disclosure (PCCD) dated XX/XX/XXXX. Undiscounted Rate/PAR - This is clearly stated in the compliance report section for "Loan information" --- PG 56 of 69 of our Compliance report. Undiscounted Rate/PAR This is clearly stated in the compliance report section for "Loan information" --- PG 56 of 69 of Compliance report. - Seller-07/28/2026 Ready for Review-Document Uploaded. 7/23/26(XX): uploaded Compliance report that states Mortgage APR and Points and Fees threshold test does not apply as loan is secured by vacation or investment dwelling. - Seller-07/23/2026 |
XXXXXXXXXX_XXXXXXX_Compliance Report.pdf XXXXXXXXXX_XXXXXX_PCCD.pdf XXXXXXXXXX_XXXXXX_LOE.pdf XXXXXXXXXX_XXXXXX_Compliance Report.pdf |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000200 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:32 | 2026-07-15 15:26 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000200 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:02 | 2026-07-14 08:49 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a legible copy of the post-closing review supporting the value used in qualification (PIW). - Due Diligence Vendor-07/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000202 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 11:29 | 2026-07-15 09:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/10/2026 | XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000204 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 06:25 | 2026-07-24 07:38 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved-Received property inspection report dated 07/08/2026.
Resolved. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Uploaded property inspection report. No damage to the property nor surrounding area. - Buyer-07/21/2026 Open-Subject property is in recent disaster area and there is no post incident inspection XXXX XX-XXXXX-XX declared on XX/XX/XXXX. Provide a legible copy of the PDI confirming no damage. - Due Diligence Vendor-07/13/2026 |
Resolved-Received property inspection report dated XX/XX/XXXX.
Resolved. - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_inspection.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000204 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 11:57 | 2026-07-22 15:46 | 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-07/17/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/13/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/17/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000204 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 06:32 | 2026-07-15 15:26 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide a legible copy of the fully executed confirmation the borrower received the appraisal. - Due Diligence Vendor-07/13/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000204 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 08:42 | 2026-08-05 08:42 | Open | 1 - Information | Property | Value | S&P CU/LCA score and secondary product not within tolerance | Open-S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P CU/LCA score and secondary product not within tolerance. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/05/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000205 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 12:02 | 2026-07-20 09:04 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received Hazard Insurance Effective Date of XX/XX/XXXX
is equal to the Disbursement Date of XX/XX/XXXX, Condition resolved. - Due
Diligence Vendor-07/20/2026 Ready for Review-Document Uploaded. Uploaded evidence of HOI with an effective date of XX/XX/XXXX. - Buyer-07/17/2026 Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX Provide a revised insurance binder reflecting XX/XX/XXXX as the effective date, and XX/XX/XXXX as the expiration date. - Due Diligence Vendor-07/14/2026 |
Resolved-Received Hazard Insurance Effective Date of XX/XX/XXXX
is equal to the Disbursement Date of XX/XX/XXXX, Condition resolved. - Due
Diligence Vendor-07/20/2026 |
XXXXXXXXXX_XXXXXXXXXX_HOI.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000211 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:31 | 2026-07-10 15:31 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-07/10/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000214 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:40 | 2026-08-05 09:43 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged- - Due Diligence Vendor-08/05/2026 Open- - Due Diligence Vendor-08/05/2026 Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of <<Appraiser_Signature_Date>> is after the Primary Appraisal Delivery Date of <<Appraisal_Delivery_Date>>. - Due Diligence Vendor-07/10/2026 |
Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of
<<Appraiser_Signature_Date>> is after the Primary Appraisal
Delivery Date of <<Appraisal_Delivery_Date>>. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000214 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 09:03 | 2026-07-14 08:57 | 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-07/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a legible copy of the post-closing review supporting the value used in qualification (UCDP score is 2.8). - Due Diligence Vendor-07/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000215 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:17 | 2026-07-16 17:07 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided. condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/16/26: The Final CD has been uploaded for your review. - Buyer-07/16/2026 Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure - Due Diligence Vendor-07/10/2026 |
Resolved-TRID: Final Closing Disclosure Provided. condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXXX_FInal CD.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000216 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:43 | 2026-07-16 15:16 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. 7/15/26: The Appraisal POD has been uploaded for your review. - Buyer-07/15/2026 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-07/10/2026 |
Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. condition resolved. - Due Diligence
Vendor-07/16/2026 Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXXX _Appraisal POD.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000221 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 10:54 | 2026-07-10 10:54 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged-Value grade equals B, loan approved with a PIW. loan approved with a PIW - Due Diligence Vendor-07/10/2026 | Acknowledged-Value grade equals B, loan approved with a
PIW. loan approved with a PIW - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000228 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:32 | 2026-07-15 15:20 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-Value grade equals B, loan approved with a PIW. - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000229 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:32 | 2026-07-15 15:19 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due Diligence Vendor-07/15/2026 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-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000021 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 13:49 | 2026-07-27 10:49 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal or other primary valuation product was
provided - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Appraisal uploaded. - Buyer-07/22/2026 Open-Appraisal or other primary valuation product is missing Missing appraisal. - Due Diligence Vendor-07/20/2026 |
Resolved-Appraisal or other primary valuation product was
provided - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXX_Appraisal.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000021 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 13:49 | 2026-07-27 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Purchase Contract | Resolved-Purchase Contract provided. - Due Diligence
Vendor-07/27/2026 Ready for Review-Document Uploaded. Conventional purchase of XXXX XXXXX XXXXX XXXXXXXX, XX. Purchase price $XXX,XXX. EMD $XX,XXX. Re-uploaded purchase agreement. Page 2 of the purchase agreement reflects the $XX,XXX EMD. Previously uploaded counteroffer 1 reflects the purchase price of $XXX,XXX. - Seller-07/24/2026 Counter-Provided purchase contract doesn't reflect correct Purchase price and EMD amount, please provide all the amendments and/or addendums to the purchase contract. Condition remains. - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. Uploaded purchase agreement. - Buyer-07/22/2026 Open-Missing Purchase Contract. - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. Conventional purchase of
XXXX XXXXX XXXXX XX XXXXXXXXX, XX. Purchase price $XXX,XXX. EMD $XX,XXX. Re-uploaded purchase agreement. Page 2 of the purchase agreement reflects the $XX,XXX EMD. Previously uploaded counteroffer 1 reflects the purchase price of $XXX,XXX. - Seller-07/24/2026 |
Resolved-Purchase Contract provided. - Due Diligence
Vendor-07/27/2026 |
XXXXXXXXXX_XXXXX_Purchase Agreement.pdf Purchase Agreement.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000021 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 13:25 | 2026-07-24 10:37 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Homeownership Counseling Disclosure Is Present or Not
Applicable - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/23/26: The Homeownership Counseling Organizations Disclosure has been uploaded for your review. - Buyer-07/23/2026 Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete Missing Homeownership Counseling Disclosure. - Due Diligence Vendor-07/20/2026 |
Resolved-Homeownership Counseling Disclosure Is Present or Not
Applicable - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXX_Homeownership Counseling.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000021 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 15:40 | 2026-07-23 06:47 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Resolved-Borrower 2 Personal Tax Returns Provided, condition
resolved. - Due Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. Uploaded XXXX and XXXX 1040's for B2 reflecting SCH C income. - Seller-07/22/2026 Open-Borrower 2 Personal Tax Returns Missing Missing Schedule C income documentation for co-borrower. - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. Uploaded XXXX and XXXX
1040's for B2 reflecting SCH C income. - Seller-07/22/2026 |
Resolved-Borrower 2 Personal Tax Returns Provided, condition
resolved. - Due Diligence Vendor-07/23/2026 |
XXXXXXXXXX_XXXXX_XXXX and XXXXTax Returns.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000021 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 12:58 | 2026-07-23 06:39 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was
Provided, condition resolved. - Due
Diligence Vendor-07/23/2026 Ready for Review-Document Uploaded. - Seller-07/22/2026 Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing verification of employment for co-borrower. - Due Diligence Vendor-07/20/2026 |
Ready for Review-Document Uploaded. - Seller-07/22/2026 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was
Provided, condition resolved. - Due
Diligence Vendor-07/23/2026 |
XXXXXXXXXX_XXXXX_VVOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000236 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:59 | 2026-08-03 14:16 | 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-08/03/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-08/03/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000236 | XXXXXXX | XXXXXXXX | Seller | 2026-08-03 14:16 | 2026-08-03 14:31 | Open | 3 - Material | Property | Value | Missing Post Close Valuation - 2 | Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-08/03/2026 | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000240 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 07:06 | 2026-07-13 07:06 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. This finding is non-material and will be rated a B for
all agencies. - Due Diligence Vendor-07/13/2026 |
Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. This finding is non-material and will be rated a B for
all agencies. - Due Diligence Vendor-07/13/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000242 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:43 | 2026-07-27 14:58 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Cured-Received LOX, PCCD, copy of refund and proof of
delivery. - Due Diligence
Vendor-07/27/2026 Ready for Review-Document Uploaded. 7/24/26: The Cure Package has been uploaded for your review. - Seller-07/24/2026 Open- - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 Open-The total amount of the 10% category fees ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (GA Residential Mortgage Act Per Loan Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). GA Residential Mortgage Act Per Loan Fee fee increased on XX/XX/XXXX initial CD valid COC not provided. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. 7/24/26: The Cure Package
has been uploaded for your review. - Seller-07/24/2026 |
Cured-Received LOX, PCCD, copy of refund and proof of
delivery. - Due Diligence
Vendor-07/27/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000242 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:43 | 2026-07-27 14:58 | Cured | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Cured-Received LOX, PCCD, copy of refund and proof of
delivery. - Due Diligence
Vendor-07/27/2026 Ready for Review-Document Uploaded. 7/24/26: The Cure Package has been uploaded for your review. - Buyer-07/24/2026 Open- - Due Diligence Vendor-07/13/2026 Open- - Due Diligence Vendor-07/13/2026 Open-The total amount of the 10% category fees on the last Closing Disclosure ($XX.XX) has increased by more than 10% over the current baseline value of ($XX.XX). The total amount of fees in the 10% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (GA Residential Mortgage Act Per Loan Fee). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). GA Residential Mortgage Act Per Loan Fee fee increased on XX/XX/XXXX initial CD valid COC not provided. - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 Open- - Due Diligence Vendor-07/10/2026 |
Cured-Received LOX, PCCD, copy of refund and proof of
delivery. - Due Diligence
Vendor-07/27/2026 |
XXXXXXXXXX_XXXXXXXXXX_Cure Package.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000243 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:00 | 2026-07-14 09:09 | 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-07/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a legible copy of the post-closing review supporting value used in qualification (UCDP score is 2.6). - Due Diligence Vendor-07/13/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000243 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 09:08 | 2026-08-05 09:35 | Open | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open- - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Open- - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 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-08/05/2026 Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/05/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Resolved-Finding Cleared. - Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000024 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 12:18 | 2026-07-22 13:07 | 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-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Finding added - Due Diligence Vendor-07/21/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000024 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 17:36 | 2026-07-21 10:40 | 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-07/20/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-07/20/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000245 | XXXXXXX | XXXXXXXX | Seller | 2026-07-10 16:32 | 2026-07-21 14:02 | Counter | 3 - Material | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Counter-Provided bank statement is dated XX/XX/XXXX, however
assets are already updated as per statement dated XX/XX/XXXX for the same
account. Final closing disclosure indicates Cash to Close is $XXX,XXX.XX from
borrower, however the total liquid asset verified is $XXX,XXX.XX which
includes Saving $X,XXX.XX + Checking $XX,XXX.XX + Gift $XXX,XXX hence there
is a shortfall of $XX,XXX.XX. Condition remains. - Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. Assets - Buyer-07/20/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $<<Liquid_Assets_Available_For_Close>> less cash to close of $<<Cash Required_From_Borrower>> and less unverified EMD of $<<Unverified_Cash_Deposit_Toward_Purchase>> results in $<<Liquid_Funds_Post_Close>> shortage of funds to close. - Due Diligence Vendor-07/10/2026 |
XXXXXXXXXX_XXXXXX_Assets.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000246 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:39 | 2026-08-05 10:19 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-08/05/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Received paystubs, conditions cleared. - Due Diligence Vendor-07/22/2026 Ready for Review-Document Uploaded. - Buyer-07/21/2026 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-07/10/2026 |
Resolved-ATR Risk - Current Income or Current Assets were
considered - Due Diligence Vendor-08/05/2026 Resolved-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Received paystubs, conditions cleared. - Due Diligence Vendor-07/22/2026 |
XXXXXXXXXX_XXXXXXXXXX_Income Docs.pdf | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000246 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 14:55 | 2026-07-22 15:34 | Resolved | 1 - Information | Credit | Missing Doc | Missing income documentation | Resolved-Received paystubs, conditions cleared. - Due Diligence
Vendor-07/22/2026 Ready for Review-Document Uploaded. - Buyer-07/21/2026 Open-paystub - required income documentation Missing. - Due Diligence Vendor-07/10/2026 |
Resolved-Received paystubs, conditions cleared. - Due Diligence
Vendor-07/22/2026 |
XXXXXXXXXX_XXXXXXXXXX_Income Docs.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000026 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 16:03 | 2026-07-29 13:47 | Cured | 2 - Non-Material | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Cured- - Due Diligence Vendor-07/29/2026 Resolved-Borrower 1 3rd Party VOE post consummation received, this finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. Hello. Document shows it was generated on XX/XX/XXXX. Thank You. - Buyer-07/27/2026 Counter-VOE received however unable to determine the verification date, kindly provide extended copy of the VOE indicating the verification date. Condition remains. - Due Diligence Vendor-07/27/2026 Ready for Review-Document Uploaded. - Buyer-07/24/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE missing in file. - Due Diligence Vendor-07/21/2026 |
Resolved-Borrower 1 3rd Party VOE post consummation received,
this finding is non-material and will be rated a B for all agencies. - Due
Diligence Vendor-07/28/2026 |
XXXXXXXXXX_XXXX_VVOE.pdf XXXXXXXXXX_XXXX_Verbal Verification Of Employment.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000026 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 16:20 | 2026-07-22 16:31 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-07/22/2026 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. condition added for post close review product 1. - Due Diligence Vendor-07/21/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000026 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 15:17 | 2026-07-22 13:15 | 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-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Missing Post Close Valuation - 1 in file. - Due Diligence Vendor-07/21/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000027 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 15:07 | 2026-07-22 16:38 | 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-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Supporting secondary valuation is missing in file. - Due Diligence Vendor-07/21/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000028 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 15:27 | 2026-07-24 10:35 | 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-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Appraisal POD has been uploaded for your review. - Buyer-07/22/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. - Due Diligence Vendor-07/20/2026 |
Resolved-ECOA Compliant: Appraisal present; evidence appraisal
was provided to applicant. - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXX_Apprisal POD.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000028 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 14:15 | 2026-07-24 10:33 | Resolved | 1 - Information | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Resolved-Privacy Notice provided. - Due Diligence
Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/22/26: The Privacy Notice has been uploaded for your review. - Buyer-07/22/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-07/20/2026 |
Resolved-Privacy Notice provided. - Due Diligence
Vendor-07/24/2026 |
XXXXXXXXXX_XXXXX_Privacy policy.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000029 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 03:54 | 2026-07-30 10:01 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation received. Resolved. - Due
Diligence Vendor-07/30/2026 Ready for Review-Document Uploaded. Hello, Please see attached Econsent for your review. - Buyer-07/28/2026 Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-07/20/2026 |
Resolved-E-Consent documentation received. Resolved. - Due
Diligence Vendor-07/30/2026 |
XXXXXXXXXX_XXXXX XXXX_econsent.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000029 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 03:54 | 2026-07-20 03:54 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. Privacy Notice Required - Missing - Due Diligence Vendor-07/20/2026 | Acknowledged-Privacy Notice Required - Missing or Incomplete.
Privacy Notice Required - Missing -
Due Diligence Vendor-07/20/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000248 | XXXXXXX | XXXXXXXX | Closed | 2026-07-13 11:24 | 2026-07-15 15:27 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-07/15/2026 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-07/13/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000248 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 08:43 | 2026-07-10 08:43 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. ECOA: Appraisal Disclosure Date <<Appraisal_Disclosure_Date>> is not within three business days of Application Date <<Application_Received_By_Creditor_Date>> - Due Diligence Vendor-07/10/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not
Provided Timely. ECOA: Appraisal Disclosure Date
<<Appraisal_Disclosure_Date>> is not within three business days
of Application Date <<Application_Received_By_Creditor_Date>> - Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000249 | XXXXXXX | XXXXXXXX | Closed | 2026-07-11 11:15 | 2026-07-15 15:26 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged- - Due Diligence Vendor-07/15/2026 Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-07/11/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000250 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 13:47 | 2026-08-05 09:53 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-08/05/2026 Resolved-Sufficient asset documentation available, condition resolved. - Due Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. The final CD reflects EMD of $X,XXX and additional funds to close of $XXX,XXX.XX ($XXX,XXX.XX total). EMD of $X,XXX + gift funds of $XXX,XXX total to $XXX,XXX. The $X,XXX.XX is the incidental cash back to borrower ($XXX,XXX - $XXX,XXX.XX = $X,XXX.XX). CD uploaded to portal. - Buyer-07/16/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Verified assets of $X.XX less cash to close of $X,XXX.XX results in $X,XXX.XX shortage of funds to close. - Due Diligence Vendor-07/15/2026 |
Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-08/05/2026 Resolved-Sufficient asset documentation available, condition resolved. - Due Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XX_CD incidental cash back to borrower.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000030 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 10:34 | 2026-07-22 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-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/21/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000251 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:46 | 2026-07-15 15:26 | 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-07/10/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000254 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 11:43 | 2026-07-17 07:17 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-07/17/2026 Ready for Review-Document Uploaded. Final CD requires $XXX,XXX.XX to close (LP/AUS, no reserves required). The total available funds of $XXX,XXX.XX are sufficient to close. Uploaded to portal. $XXXX.XX: XXXX #XXXX XX/XX/XXXX $X,XXX.XX: XXXX #XXXX XX/XX/XXXX $XXX,XXX.XX: Sales proceeds to closing agent $XX,XXX.XX: Sales proceeds to borrower $X,XXX EMD: cleared #XXXX XX/XX/XXXX $XXX,XXX.XX: Total funds to close - Buyer-07/16/2026 Open-Insufficient asset documentation in file - assets do not cover closing costs. Still need addition assets to cover cash to close - Due Diligence Vendor-07/15/2026 |
Resolved-Sufficient asset documentation provided. - Due
Diligence Vendor-07/17/2026 |
XXXXXXXXXX_XXXXXXXXXX_funds to close.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000257 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 13:23 | 2026-07-21 14:00 | Resolved | 1 - Information | Credit | Eligibility | Audited DTI Exceeds AUS DTI | Resolved-Updated 1003 application, 1008 approval and AUS
received. Audited DTI of 34.75% is less than or equal to AUS DTI of 37.75% -
Due Diligence Vendor-07/21/2026 Ready for Review-Document Uploaded. Please see uploaded revised 1008, 1003 and AUS. - Buyer-07/20/2026 Open-Audited DTI of 34.75% exceeds AUS DTI of 28.86% DTI variance due to monthly liabilities. New trade added and payments changed as per supplement credit report dated XX/XX/XXXX page 447. - Due Diligence Vendor-07/14/2026 |
Resolved-Updated 1003 application, 1008 approval and AUS
received. Audited DTI of 34.75% is less than or equal to AUS DTI of 37.75% -
Due Diligence Vendor-07/21/2026 |
XXXXXXXXXX_XXXXXXXXXX_Revised Docs.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000258 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:48 | 2026-07-16 10:00 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. Most recent primary appraisal date not provided hence doc started and finished date is showing XX/XX/XXXX on page #196 - Due Diligence Vendor-07/14/2026 | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal
Not Provided to Applicant. Most recent primary appraisal date not provided
hence doc started and finished date is showing 6/10/2026 on page #196 - Due
Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000259 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:23 | 2026-07-15 15:20 | Acknowledged | 2 - Non-Material | Property | Property | Loan approved with appraisal waiver, PIW grading applies | Acknowledged- - Due Diligence Vendor-07/15/2026 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-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000035 | XXXXXXX | XXXXXXXX | Closed | 2026-07-22 06:30 | 2026-07-28 09:44 | Resolved | 1 - Information | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received VVOE for B2 within 10 business days from
closing, condition resolved. - Due Diligence Vendor-07/28/2026 Ready for Review-Document Uploaded. VVOE for B2 dated XX/XX/XXXX uploaded - Buyer-07/27/2026 Counter-Final 1003 and Borrower 2 paystubs reflect employer of XXXXX XXXXX. VVOE provided list XXXXXXX XXXXXXXX XXX. Condition remains. - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. VVOE for B2 dated XX/XX/XXXX received. Uploaded to portal. - Buyer-07/23/2026 Open-VVOE is not within 10 days for the B2. - Due Diligence Vendor-07/22/2026 |
Resolved-Received VVOE for B2 within 10 business days from
closing, condition resolved. - Due Diligence Vendor-07/28/2026 |
XXXXXXXXXX_XXXXXX_B2 vvoe.pdf XXXXXXXXXX_XXXXXX_B2 VVOE XXXXXXXXX.pdf |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000260 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 07:38 | 2026-07-14 06:42 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Provide a legible copy of the post-closing review supporting the value used in qualification (UCDP score is 2.6). - Due Diligence Vendor-07/10/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000260 | XXXXXXX | XXXXXXXX | Seller | 2026-08-05 10:17 | 2026-08-05 10:17 | Open | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-08/05/2026 | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||||
| OBX2026AHC4000261 | XXXXXXX | XXXXXXXX | Closed | 2026-07-24 09:16 | 2026-07-28 13:21 | 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-07/28/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM ordered produced a No-Hit, CDA ordered to confirm valuation - Due Diligence Vendor-07/24/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-07/24/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/28/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000261 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:09 | 2026-07-15 15:17 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged- - Due Diligence Vendor-07/15/2026 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-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000262 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 09:54 | 2026-07-16 07:56 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received paystub dated within 10 Business days from
Note, Condition resolved. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Please see uploaded paystub and guidelines. Per FHLMC 5302.2, this meets the requirements for the 10-day PCV. - Buyer-07/15/2026 Open-Borrower 1 3rd Party VOE Prior to Close Missing . - Due Diligence Vendor-07/10/2026 |
Resolved-Received paystub dated within 10 Business days from
Note, Condition resolved. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXX_VOE.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000036 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 09:21 | 2026-07-22 14:57 | 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-07/22/2026 Open-A valid secondary valuation supporting the origination appraisal value is not present. Finding Added - Due Diligence Vendor-07/21/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-07/22/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | ||||||
| OBX2026AHC4000263 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 13:36 | 2026-07-10 13:36 | 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-07/10/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000264 | XXXXXXX | XXXXXXXX | Closed | 2026-07-15 08:15 | 2026-08-05 10:42 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence
appraisal was provided to applicant. Provide a legible copy of the appraisal
receipt acknowledgment. This finding is deemed non-material and will be rated
B for all agencies - Due Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/15/2026 Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Provide a legible copy of the appraisal receipt acknowledgment. - Due Diligence Vendor-07/15/2026 |
Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence
appraisal was provided to applicant. Provide a legible copy of the appraisal
receipt acknowledgment. This finding is deemed non-material and will be rated
B for all agencies - Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000265 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 11:50 | 2026-08-05 10:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-08/05/2026 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/14/2026 |
Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-08/05/2026 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000266 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:06 | 2026-08-05 14:38 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Lender provided the initial disclosure package - sent
mailed to the borrower on XX/XX/XXXX.
- Due Diligence Vendor-08/05/2026 Ready for Review-Document Uploaded. Hello, please see the initial disclosure set mailed to the borrower on XX/XX/XXXX. - Buyer-07/17/2026 Counter-lender provided the tracker to show the disclosure were sent to the borrower on the XX/XX/XXXX, however the documents in the loan file is dated XX/XX/XXXX, need the initial package reflecting XX/XX/XXXX in order to clear this condition. condition remains - Due Diligence Vendor-07/16/2026 Ready for Review-Hello, the disclosures were provided on XX/XX/XXXX to meet timing requirements, while the copies signed by the borrower were sent at a later date. Please see the email from the seller detailing the tracking - Buyer-07/16/2026 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-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 Open- - Due Diligence Vendor-07/14/2026 |
Resolved-Lender provided the initial disclosure package - sent
mailed to the borrower on 4/24/2026. -
Due Diligence Vendor-08/05/2026 |
XXXXXXXXXX_XXXX_Initial Disclosures.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000266 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 15:51 | 2026-07-16 17:37 | Resolved | 1 - Information | Compliance | Disclosure | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing | Resolved-Acknowledgment of Fair Market Value disclosure
provided. condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Acknowledgment of Fair Market Value disclosure provided. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached TX FMV Disclosure - Buyer-07/16/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure is missing. Acknowledgment of Fair Market Value disclosure is missing - Due Diligence Vendor-07/10/2026 |
Resolved-Acknowledgment of Fair Market Value disclosure
provided. condition resolved. - Due Diligence Vendor-07/16/2026 Resolved-Acknowledgment of Fair Market Value disclosure provided. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXX_Fair Market Value.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000266 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:13 | 2026-07-16 17:37 | Resolved | 1 - Information | Compliance | State Reg | TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender | Resolved-Evidence Acknowledgment of Fair Market Value
disclosure signed by both Borrower(s) and Lender provided, condition
resolved. - Due Diligence Vendor-07/16/2026 Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-07/16/2026 Ready for Review-Document Uploaded. Hello, please see the attached TX FMV Disclosure - Seller-07/16/2026 Open-TX 50(a)(6) Violation: Acknowledgment of Fair Market Value disclosure not signed by both Borrower(s) and Lender. Acknowledgment of Fair Market Value disclosure is missing - Due Diligence Vendor-07/10/2026 |
Ready for Review-Document Uploaded. Hello, please see the
attached TX FMV Disclosure - Seller-07/16/2026 |
Resolved-Evidence Acknowledgment of Fair Market Value disclosure
signed by both Borrower(s) and Lender provided, condition resolved. - Due
Diligence Vendor-07/16/2026 Resolved-Evidence Acknowledgment of Fair Market Value disclosure signed by both Borrower(s) and Lender provided. - Due Diligence Vendor-07/16/2026 |
XXXXXXXXXX_XXXX_Fair Market Value.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | ||||
| OBX2026AHC4000266 | XXXXXXX | XXXXXXXX | Closed | 2026-07-14 10:13 | 2026-07-14 10:15 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Disclosure Not Provided Timely | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not Provided Timely. - Due Diligence Vendor-07/14/2026 | Acknowledged-ECOA Non-Compliant: Appraisal Disclosure Not
Provided Timely. - Due Diligence Vendor-07/14/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000038 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 06:57 | 2026-07-21 09:44 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Open-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-07/20/2026 | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Originator Post-Close | No | |||||||
| OBX2026AHC4000039 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 07:53 | 2026-07-21 07:47 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Open-Privacy Notice Required - Missing or Incomplete. Privacy Notice is missing in the file - Due Diligence Vendor-07/20/2026 | XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | |||||||
| OBX2026AHC4000267 | XXXXXXX | XXXXXXXX | Closed | 2026-07-10 12:49 | 2026-07-10 12:49 | 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-07/10/2026 | Acknowledged-Value grade equals B, loan approved with a PIW. -
Due Diligence Vendor-07/10/2026 |
XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000048 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 07:03 | 2026-07-21 07:04 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/21/2026 | Acknowledged-S&P value equals B, secondary product within
tolerance. This finding will be rated a B for S&P. All other agencies
will be rated as A. - Due Diligence Vendor-07/21/2026 |
XX | Primary Residence | Purchase | NA | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000056 | XXXXXXX | XXXXXXXX | Closed | 2026-07-21 12:55 | 2026-08-03 06:59 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received executed and recorded Deed of Trust for
Junior lien, condition resolved. - Due Diligence Vendor-08/03/2026 Ready for Review-Document Uploaded. - Buyer-07/31/2026 Open-Missing executed note and DOT for down payment assistance lien of $XXX,XXX as provided documents in file are not signed. - Due Diligence Vendor-07/21/2026 |
Resolved-Received executed and recorded Deed of Trust for Junior
lien, condition resolved. - Due Diligence Vendor-08/03/2026 |
XXXXXXXXXX_E-RECORDING DEED OF TRUST.PDF | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000057 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 15:17 | 2026-08-05 10:06 | Acknowledged | 2 - Non-Material | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged- - Due Diligence Vendor-08/05/2026 Open- - Due Diligence Vendor-08/05/2026 Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-08/05/2026 Open- - Due Diligence Vendor-08/05/2026 Acknowledged- - Due Diligence Vendor-07/22/2026 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-07/20/2026 |
Resolved-A valid secondary valuation supporting the origination
appraisal value was provided. - Due Diligence Vendor-08/05/2026 |
XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | Investor Post-Close | No | ||||||
| OBX2026AHC4000058 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 07:39 | 2026-07-24 11:07 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Received COC. Resolved - Due Diligence
Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/23/2026: Hello, Please see attached COC for your review. Thank you. - Buyer-07/23/2026 Open- - Due Diligence Vendor-07/21/2026 Open-A Lender Credit for Excess Charges of ($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 ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Valid COC not provided in file. - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Received COC. Resolved - Due Diligence
Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXX_Changed Circumstances.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000058 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 07:39 | 2026-07-24 11:05 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Received COC. Resolved - Due Diligence
Vendor-07/24/2026 Ready for Review-Document Uploaded. 7/23/2026: Hello, Please see attached COC for your review. Thank you. - Buyer-07/23/2026 Open- - Due Diligence Vendor-07/21/2026 Open-A Lender Credit for Excess Charges of ($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. Valid COC not provided in file. - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Received COC. Resolved - Due Diligence
Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXXXX_Changed Circumstances.pdf | XX | Primary Residence | Refinance | Cash Out - Other | XXXXXXXX | N/A | N/A | |||||
| OBX2026AHC4000061 | XXXXXXX | XXXXXXXX | Closed | 2026-07-20 06:47 | 2026-07-24 09:20 | Resolved | 1 - Information | Compliance | Mavent | Late: Amount | Resolved-Resolved - Due Diligence Vendor-07/24/2026 Ready for Review-Document Uploaded. Hello, per 6A of the note the maximum late charge is $XXX. - Buyer-07/22/2026 Open-The late fee ($XXX.XX) exceeds the Alabama Mini-Code limit of the greater of $XX or 5% ($X.XX) of the overdue payment, but not to exceed $XXX. (Ala. Code 5-19-4(a) & 8-8-5. XXXXXXX X XXXXXX XXXXXXXX, XXX., XXX XX XX XXX. XX XXXXX XXXXXX, XXX XX XX XXX) - Due Diligence Vendor-07/20/2026 Open- - Due Diligence Vendor-07/20/2026 |
Resolved-Resolved - Due Diligence Vendor-07/24/2026 |
XXXXXXXXXX_XXXXXX_Note.pdf | XX | Primary Residence | Purchase | NA | XXXXXXXX | N/A | N/A |