# EDGAR Filing Document

**Accession Number:** 0001658638
**File Stem:** 0001213900-23-007831
**Filing Date:** 2023-2
**Character Count:** 1622932
**Document Hash:** 512e7426545e10c9b78227ce94bb40b4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-23-007831.hdr.sgml**: 20230203

**ACCESSION NUMBER**: 0001213900-23-007831

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 36

**CONFORMED PERIOD OF REPORT**: 20230203

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20230203

**DATE AS OF CHANGE**: 20230203

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Onslow Bay Funding LLC
- **CENTRAL INDEX KEY:** 0001658638
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02419
- **FILM NUMBER:** 23584400

**BUSINESS ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
- **BUSINESS PHONE:** (336) 464-9503

**MAIL ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Onslow Bay Funding LLC
- **CENTRAL INDEX KEY:** 0001658638
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
- **BUSINESS PHONE:** (336) 464-9503

**MAIL ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Onslow Bay Funding LLC
- **CENTRAL INDEX KEY:** 0001658638
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02419

**BUSINESS ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101
- **BUSINESS PHONE:** (336) 464-9503

**MAIL ADDRESS:**
- **STREET 1:** 751 W. 4TH STREET
- **STREET 2:** SUITE 404
- **CITY:** WINSTON-SALEM
- **STATE:** NC
- **ZIP:** 27101

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549<br>FORM ABS-15G<br>ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>Onslow Bay Funding LLC</u>**

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in <br> connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ Rule
15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 0001658638

<u>OBX 2023-J1 Trust</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): _______________

Central Index Key Number of underwriter (if applicable): ________________

Michael Fania, (212) 696-0100

Name and telephone number, including area code, of the person to contact in <br> connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

**Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure**

Not Applicable

**Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure**

Not Applicable

**Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1**

Not Applicable

**PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

99.01 [AMC Diligence, LLC ()"**AMC**") Narrative](s148845_ex99-01.htm)

99.02 [AMC Rating Agency Grades Report](s148845_ex99-02.htm)

99.03 [AMC Exception Grades Report](s148845_ex99-03.htm)

99.04 [AMC Valuation Summary Report](s148845_ex99-04.htm)

99.05 [AMC Supplemental Data Report](s148845_ex99-05.htm)

99.06 [AMC Data Compare Report](s148845_ex99-06.htm)

99.07 [Clayton Services LLC ()"**Clayton**") Narrative](s148845_ex99-07.htm)

99.08 [Clayton Conditions Summary](s148845_ex99-08.htm)

99.09 [Clayton Conditions Detail Report](s148845_ex99-09.htm)

99.10 [Clayton Loan Grades Report](s148845_ex99-10.htm)

99.11 [Clayton Tape Compare Report](s148845_ex99-11.htm)

99.12 [Clayton Valuations Summary Report](s148845_ex99-12.htm)

99.13 [Clayton RA ATR QM Data Field Report](s148845_ex99-13.htm)

99.14 [Clayton Waived Conditions Report](s148845_ex99-14.htm)

99.15 [Consolidated Analytics, Inc. ()"**CA**") Narrative](s148845_ex99-15.htm)

99.16 [CA Due Diligence Standard Report](s148845_ex99-16.htm)

99.17 [CA Grading Summary Report](s148845_ex99-17.htm)

99.18 [CA Valuations Report](s148845_ex99-18.htm)

99.19 [CA ATR QM Report](s148845_ex99-19.htm)

99.20 [CA Additional Fields Report](s148845_ex99-20.htm)

99.21 [CA Data Compare Report](s148845_ex99-21.htm)

99.22 [CA Pay History Review Report](s148845_ex99-22.htm)

99.23 [KPMG Report of Independent Accountants on Applying Agreed-Upon Procedures](s148845_ex99-23.htm)

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | |
|:---|:---|
|  | **ONSLOW BAY FUNDING LLC** |
| Date: February 3, 2023 | /s/ Michael Fania |
|  | Name: Michael Fania |
|  | Title: Authorized Signatory |

---

## Exhibit 99.01

**Exhibit 99.01**

![](ex99-01_001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans originated by multiple correspondent lenders and acquired directly on a mini-bulk basis by Onslow Bay Financial LLC (the "Client"). AMC performed the Review either (i) directly for Client on mortgage loan files provided by Client to AMC, or (ii) for third parties on mortgage loan files provided by such parties to AMC with results of such Review conveyed to the Client via reliance letter. The Review (including the Review related to reliance letter loans) was conducted from July 2021 through November 2022 on mortgage loans with origination dates from July 2021 through November 2022.

**(2) Sample size of the assets reviewed.**

The total population of the Review covered sixty-three (63) mortgage loans totaling an aggregate original principal balance of approximately $58.780 million.

**(3) Determination of the sample size and computation.**

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(4) Quality or integrity of information or data about the assets: review and methodology.**

AMC compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. This comparison, when data was available (please note that not all fields were available for all loans during the Review) and relevant for the Scope in question, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original LTV |  |

---

**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

**<u>CREDIT SCOPE:</u>**

AMC reviewed mortgage loan origination documentation to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application:** For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

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**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn't fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**DU/LP Review:** When provided and appropriate, AMC verified that DU findings included an approved/ineligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** AMC's review included a review of the chain of title and the duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

2\| P a g e

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

**(6) Value of collateral securing the assets: review and methodology.**

AMC's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, and (viii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC's review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines, (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

**(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.**

**<u>COMPLIANCE SCOPE</u>**

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

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![](ex99-01_001.jpg)

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23, §1026.15):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Home Equity Plans Disclosures (§§1026.6, 40) *as applicable*</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the applicable home equity initial and account opening disclosures

ii) failure to provide the applicable home equity initial and account opening disclosures in a timely manner

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Tolerances (§§1026.18, 22 23, and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to
re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

iii) inaccurate Total of Payments outside of applicable tolerance by comparing disclosed Total of Payments to re-calculated Total of Payments.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>High-cost Mortgage (§§1026.31, 32 and 34):</u> 

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![](ex99-01_001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty threshold test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of
the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, AMC reviewed the relevant documents in the mortgage loan file and, as necessary,
attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan
originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, AMC's
review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements,
for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage
loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan
to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to
resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;k) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual mortgage loan originator name
and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing
Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were
within the allowed tolerances;

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ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the
event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days
prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure
to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) capture whether a settlement service provider list ("SSPL") was provided (in instances when a consumer is given an opportunity to shop for services). Failure to provide SSPL is not cited separately under SFA compliance review scope, however, absence of SSPL from loan file is treated as not provided and impacts fee tolerance categories as prescribed by regulation.

vii) confirm borrower received LE not later than four (4) business days prior to consummation; and

viii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial
CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Association ("SFA") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFA Compliance Review Scope.)

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&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file
contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by
the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part
36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

 

*<u>Qualified Mortgage</u>*

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) depending on the application date, defined in accordance with 1026.2(a)(3)(ii) and the loan designation provided on the subject loan, either:

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| | |
|:---|:---|
| 1.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), prior to 3/1/2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, |

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| | |
|:---|:---|
| 2.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), on or after 3/1/2021, but before 10/1/2022, submitted with a loan designation of Safe Harbor QM, Higher Priced QM, Safe Harbor QM (43-Q), or Higher Priced QM (43-Q), whether at the time of consummation, the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source, or |

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| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

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For the mortgage loans determined to be Safe Harbor QM (APOR), the AMC report will indicate (i) "Yes" with respect to any mortgage loan for which the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on such mortgage loans, (ii) "No" with respect to any mortgage loan for which the lender provided a VSH indicator of "No" and (iii) "Not Stated" with respect to any mortgage loan for which the lender did not provide a VSH indicator.

\* Note, for mortgage loans in which the lender provided the VSH indicator, AMC captured the VSH indicator in the AMC report but did not verify the VSH indicator as provided by the related lender.

In addition to the above, for loans (i) that are designated as "Yes" with respect to a VSH indicator, (ii) for which such "Yes" VSH indicator was provided within the loan images, on the data tape or in the deal notes, and (iii) for which the related mortgage loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH, AMC performed an additional variance evaluation on such QM (APOR) mortgage loans. AMC's variance evaluation consists of a review of such mortgage loan to identify documentation variances that would cause one to question the VSH attestation provided by the lender. If variances were identified, the mortgage loan would not be identified by AMC to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines, and the AMC report will indicate "No" with respect to such mortgage loans. The results of the variance evaluation are reflected in the reports.

This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

 

*<u>General Ability to Repay</u>*

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

 

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AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC's review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review**

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review**

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Hazard and/or flood insurance policies;

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;▪ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated
tests set forth herein.

**(8) Other: review and methodology.**

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC's initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this Report, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSROs listed in the Form ABS Due Diligence-15E.

**COMPLIANCE RESULTS SUMMARY**

All sixty-three (63) mortgage loans reviewed by AMC have a Compliance grade of "B" or higher and 74.60% of the mortgage loans by number have a Compliance grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** | &nbsp;&nbsp;**Compliance Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;47 | &nbsp;&nbsp;74.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;16 | &nbsp;&nbsp;25.40% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

All sixty-three (63) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 93.65% of the loans by number have a Credit grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;93.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

Under the NRSRO rating criteria, all sixty-three (63) of the mortgage loans in the securitization have a Valuation grade of "B" or higher and 100.00% of the mortgage loans by number have a Valuation grade of "A."

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** |

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**OVERALL REVIEW RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, under the NRSRO rating criteria, 100% of the mortgage loans (63 by number) in the pool have a NRSRO grade of "B" or higher. 71.43% of the mortgage loans (45 by number) have a NRSRO grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** | &nbsp;&nbsp;**Overall Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;45 | &nbsp;&nbsp;71.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

The table below summarizes the individual exceptions which carried an associated "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***36*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**36** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**4** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**40** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the sixty-three (63) mortgage loans reviewed fifty-six (56) mortgage loans had one hundred fifteen (115) different tape discrepancies across fourteen (14) data fields (some mortgage loans had more than one data delta). The largest variances were found on Investor: Qualifying Total Debt Ratio, Note Date and Decision System.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times<br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;63 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;6 | &nbsp;&nbsp;63 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;2 | &nbsp;&nbsp;63 | &nbsp;&nbsp;3.17% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;11 | &nbsp;&nbsp;63 | &nbsp;&nbsp;17.46% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;29 | &nbsp;&nbsp;63 | &nbsp;&nbsp;46.03% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;16 | &nbsp;&nbsp;63 | &nbsp;&nbsp;25.40% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;63 | &nbsp;&nbsp;7.94% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;8 | &nbsp;&nbsp;63 | &nbsp;&nbsp;12.70% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;5 | &nbsp;&nbsp;63 | &nbsp;&nbsp;7.94% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;63 | &nbsp;&nbsp;15.87% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;63 | &nbsp;&nbsp;9.52% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;63 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;8 | &nbsp;&nbsp;63 | &nbsp;&nbsp;12.70% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;5 | &nbsp;&nbsp;63 | &nbsp;&nbsp;7.94% | &nbsp;&nbsp;63 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**115** | &nbsp;&nbsp;**1399** | &nbsp;&nbsp;**8.22%** | &nbsp;&nbsp;**63** |

---

12\| P a g e

![](ex99-01_001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;63 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$58779729.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58779729.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;63 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$58779729.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58779729.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.70% | &nbsp;&nbsp;$6775000.00 | &nbsp;&nbsp;11.53% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;10 | &nbsp;&nbsp;15.87% | &nbsp;&nbsp;$8439700.00 | &nbsp;&nbsp;14.36% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;40 | &nbsp;&nbsp;63.49% | &nbsp;&nbsp;$38582142.00 | &nbsp;&nbsp;65.64% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.94% | &nbsp;&nbsp;$4982887.00 | &nbsp;&nbsp;8.48% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58779729.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.59% | &nbsp;&nbsp;$800000.00 | &nbsp;&nbsp;1.36% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;62 | &nbsp;&nbsp;98.41% | &nbsp;&nbsp;$57979729.00 | &nbsp;&nbsp;98.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58779729.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;33 | &nbsp;&nbsp;52.38% | &nbsp;&nbsp;$30427531.00 | &nbsp;&nbsp;51.77% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.35% | &nbsp;&nbsp;$3623750.00 | &nbsp;&nbsp;6.16% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.59% | &nbsp;&nbsp;$1120000.00 | &nbsp;&nbsp;1.91% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;25 | &nbsp;&nbsp;39.68% | &nbsp;&nbsp;$23608448.00 | &nbsp;&nbsp;40.16% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58779729.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original<br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;60 | &nbsp;&nbsp;95.24% | &nbsp;&nbsp;$56343979.00 | &nbsp;&nbsp;95.86% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$2435750.00 | &nbsp;&nbsp;4.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$58779729.00** | &nbsp;&nbsp;**100.00%** |

---

13\| P a g e

## Exhibit 99.02

**Exhibit 99.02**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-02_001.jpg) | ![](ex99-02_001.jpg) | ![](ex99-02_001.jpg) | ![](ex99-02_001.jpg) | ![](ex99-02_001.jpg) | ![](ex99-02_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** | **Rating Agency Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | OBX2023J10006 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10034 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10082 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10012 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10035 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10036 |  |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10037 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10104 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10113 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10163 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10201 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10121 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10117 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10175 |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10193 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10110 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10176 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10196 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10170 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10212 |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10239 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10223 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10231 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10108 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10332 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10329 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10323 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10240 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10262 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10217 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10236 |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10219 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10250 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10232 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10328 |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10317 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10344 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10311 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10115 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10376 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10300 |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10342 |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |

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## Exhibit 99.03

**Exhibit 99.03**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-03_001.jpg) | ![](ex99-03_001.jpg) | ![](ex99-03_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [redacted] | [redacted] | [redacted] | OBX2023J10006 | 23073554 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only closing disclosure in the file was issued the day of closing[redacted] and signed on the same day therefore unable to determine if borrower received a Closing Disclosure at least 3 business days prior to close. |  |  |  | Reviewer Comment (2021-09-14): Initial CD provided.<br>Buyer Comment (2021-09-09): Disclosure tracking for Initial CD | 09/14/2021 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 | 23902460 |  |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Missing taxpayer consent |  |  |  | Reviewer Comment (2021-08-24): Received Evidence of Taxpayer Consent, exception cleared.<br>Buyer Comment (2021-08-23): Taxpayer consent form. | 08/24/2021 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | LA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 | 23902461 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of[redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The Non Escrowed Property Costs Year 1 was reported as $[redacted] on page 4 of the Final CD, yet should have been $[redacted]. Only 11 months were calculated and should have been 12 months. |  |  |  | Reviewer Comment (2021-09-24): Letter of Explanation & Corrected Closing Disclosure provided. Cured.<br>Buyer Comment (2021-09-23): LOE and PCCD<br>Reviewer Comment (2021-09-15): PCCD reflects incorrect non-escrowed property tax amount. Commentary was previously updated to reflect the correct annual non-escrowed costs of $[redacted]/year (HOA - $[redacted], Taxes - $[redacted], HOI - $[redacted])<br>Buyer Comment (2021-09-13): LOE and PCCD<br>Reviewer Comment (2021-08-16): Monthly escrows ($[redacted]), Taxes ($[redacted]), HOA ($[redacted]) = $[redacted]/mo/[redacted]/yr. Please provide corrected PCCD.<br>Buyer Comment (2021-08-11): LOE and PCCD |  | 09/24/2021 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | LA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 | 23902462 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | The Electronic esign Signature was not accepted until [redacted]. |  |  |  | Reviewer Comment (2021-08-16): Initial e-sign consent provided.<br>Buyer Comment (2021-08-11): Econsent | 08/16/2021 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 | 23902463 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The 1040 Transcripts reported a Sch C business showing a loss. The 1040's for [redacted] and [redacted], and the YTD P&L and Balance Sheet were not provided. |  |  |  | Reviewer Comment (2021-09-20): Receive YTD P&L and Balance sheet. [redacted] and [redacted] 1040 Signed and dated available<br>Buyer Comment (2021-09-17): Signature pages were provided on[redacted] and receipt was confirmed[redacted]. Please clear condition<br>Reviewer Comment (2021-09-16): Received 1040s is not signed and dated, exception remains.<br>Buyer Comment (2021-09-15): [redacted] complete 1040 attached<br>Reviewer Comment (2021-08-24): Provided 1040 only have the signature pages so these 1040's are incomplete so Please provide complete 1040's for [redacted] and [redacted], exception remains.<br>Buyer Comment (2021-08-23): [redacted] & [redacted] 1040's signature page, YTD P&L and Balance Sheet. | 09/20/2021 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 | 23902464 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  | We need current PDI. |  |  |  | Reviewer Comment (2021-09-28): Received PDI dated[redacted] with no damages noted. Exception cleared.<br>Buyer Comment (2021-09-27): PDI Received. No Damage. | 09/28/2021 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | LA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10034 | 24871607 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-01-28): Received CDA. Exception cleared.<br>Buyer Comment (2022-01-27): CDA | 01/28/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | CO | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10034 | 24871608 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of the Balance Sheet of borrower's business [redacted] |  |  |  | Reviewer Comment (2022-02-09): Received the Balance sheet for [redacted]. Exception Cleared.<br>Buyer Comment (2022-02-08): Balance Sheet | 02/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10082 | 24871610 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial CD was unsigned; unable to determine if borrower received the CD three business days prior to closing. |  |  |  | Reviewer Comment (2022-02-07): [redacted] received disclosure tracking indicating the initial CD was received the same day issued.<br>Buyer Comment (2022-02-04): Apologies, Disclosure tracking uploaded<br>Reviewer Comment (2022-02-04): Please resend disclosure tracking as[redacted]CD was sent instead of the tracking details.<br>Buyer Comment (2022-02-03): Disclosure details Per Lender: Please find attached the printed page showing the borrowers reviewed the first[redacted]CD at [redacted] am and [redacted] am The borrowers would not e-sign until the loan amount was increased which they did after reviewing the 2nd CD printed on[redacted]at [redacted] pm and [redacted] pm.<br>Reviewer Comment (2022-02-03): An initial CD is dated prior to the CD referenced. [redacted] printed[redacted] with $[redacted] does not indicate receipt. Please provide receipt if available.<br>Buyer Comment (2022-02-02): A copy of the Initial CD issued[redacted]signed by borrower on[redacted]is available on page 120 (D0165) of the loan documents. | 02/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10082 | 24871611 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide Tax and HOI verification for [redacted] |  |  |  | Reviewer Comment (2022-02-08): Received Tax and Insurance verification hence exception cleared.<br>Buyer Comment (2022-02-07): Property address is on page 4 of the Tax summary. This is the only way we can pull it on [redacted] site.<br>Buyer Comment (2022-02-07): HOI | 02/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10082 | 24871612 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | File is missing the rate lock dated same day as reflected on bid tape |  |  |  | Reviewer Comment (2022-02-11): Loan amount changed prior to closing to $[redacted]evised 1008, 1003, AUS and CD, PCCD was provided<br>Reviewer Comment (2022-02-09): Corrected AUS and 1008 received. File still pending corrected Final CD/PCCD and signed/dated Note with updated loan amounts. Exception remains.<br>Buyer Comment (2022-02-08): AUS<br>Buyer Comment (2022-02-08): 1008<br>Buyer Comment (2022-02-08): CD<br>Reviewer Comment (2022-02-08): Provide Final CD, AUS, 1008 and rate lock document with Loan amount of $[redacted] as per signed final CD issue on [redacted] and Signed Note loan amount is $[redacted] Exception Remains.<br>Buyer Comment (2022-02-07): Per lender: The loan amount changed per the borrower request on the same day the first cd went out. Please see attached signed initial CD that was done[redacted]@ [redacted]<br>Reviewer Comment (2022-02-03): Received rate lock with loan amount as $[redacted]lease provide updated Note, CD, AUS, 1008, Rate Lock, etc showing updated loan amount to $[redacted] as requested. Exception remains.<br>Buyer Comment (2022-02-02): Lock Confirmation attached. Please change loan amount to $[redacted] | 02/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10012 | 24871614 |  |  | Compliance | Compliance | Federal Compliance | TILA | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. |  |  |  |  | Reviewer Comment (2022-01-25): Lender explanation and documentation supporting registration date received.<br>Buyer Comment (2022-01-24): LOE | 01/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10012 | 24871615 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | File is missing the Initial escrow account statement. |  |  |  | Reviewer Comment (2022-01-25): Received Initial Escrowed Account Disclosure Statement. Exception cleared.<br>Buyer Comment (2022-01-24): IEADS | 01/25/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10012 | 24871617 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee was added subsequent to original lock with no change of circumstances that speaks directly to the re-inspection. No cure provided. |  |  |  | Reviewer Comment (2022-02-14): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2022-02-10): Shipping label<br>Buyer Comment (2022-02-10): Cure docs<br>Reviewer Comment (2022-02-07): [redacted] - The knowledge the property is new construction would have been known at application due to the purchase agreement indicating the property is new construction and triggering the need to disclose all applicable fees. As it was not new knowledge the property was new construction on[redacted]LE the addition are not covered by the COC dated [redacted]. If there was an additional reason the fees increased we will need the additional information otherwise a corrected CD, LOE, refund check, and proof of mailing is needed to cure. Exception remains.<br>Buyer Comment (2022-02-03): COC<br>Reviewer Comment (2022-01-24): [redacted] - Appraisal Final Inspection Fee was not disclosed on initial LE & got added on[redacted]LE for $[redacted]ee reduced to $[redacted] on final CD. There is no valid COC in file that could explain what change necessitated the addition of the fee. Please provide a valid COC for addition of Final Inspection Fee on[redacted]LE(with supporting docs) or provide cure documents. Exception remains.<br>Buyer Comment (2022-01-24): Initial LE disclosed appraisal reinspection fee as $[redacted]lease re-review. |  | 02/14/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | 24871621 |  |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  | Note P&I of $[redacted] does not match Calculated P&I of $[redacted] |  |  |  | Reviewer Comment (2022-01-24): Received new Note with correct P&I amount of $[redacted]. Exception cleared.<br>Buyer Comment (2022-01-21): New documents showing the corrected Payment. | 01/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | 24871622 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [redacted] YTD Balance Sheets for Borrower & Co-Borrower's S-Corp (>= 25%) [redacted] |  |  |  | Reviewer Comment (2022-01-14): Received balance sheet. Exception cleared.<br>Buyer Comment (2022-01-13): Balance Sheet uploaded | 01/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | 24871623 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance Verification, Statement, Tax Verification to verify Monthly PITIA Amount for REO Located at [redacted]. Please note that if Mortgage Statements show taxes & Insurance is escrowed then only Mortgage Statements are Needed. |  |  |  | Reviewer Comment (2022-02-07): Received updated 1003. Exception cleared.<br>Buyer Comment (2022-02-04): Please see the attached updated URLA & 1008. Our Underwriting Manger who did this loan also had to say the following about the 2nd Mortgage showing for this REO property; "There is nothing extra. This was a data entry rounding error."<br>Reviewer Comment (2022-01-27): Received Final CD for property address [redacted]. Total Verified expenses toward this property is $[redacted] i.e. P&I - $[redacted] (not escrowed) + Tax - $[redacted] ($[redacted]/12) + insurance $[redacted] ($[redacted]/12) which is not matching with Final 1003 i.e. $[redacted]rovide document to support additional amount of $[redacted]. Exception Remains.<br>Buyer Comment (2022-01-26): Final CD showing P&I<br>Reviewer Comment (2022-01-14): Verified tax from title and received HOI. Provided 1st payment letter reflecting the address as [redacted]. Please provide mortgage statement or CD to verify the PI of the property [redacted]. Exception remains.<br>Buyer Comment (2022-01-13): REO docs uploaded | 02/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MI | Primary | Refinance - Cash-out - Other |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | 24871624 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Well Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No Cure or Valid Change of Circumstance (COC) was provided to the Borrower for the Well Inspection Fee Increase of $[redacted] which exceeds the Zero Tolerance Fee Matrix. |  |  |  | Reviewer Comment (2022-02-02): [redacted] Received PCCD dated[redacted]along with LOE, Copy of Check and Proof of mailing.<br>Buyer Comment (2022-02-01): LOE, PCCD, refund check and proof of delivery |  | 02/02/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | 24871625 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [redacted] disclosed a Principal and Interest Payment that does not match the actual payment for the loan. | New exception as a result of documentation provided. PCCD provided with corrected P&I. Provide LOE to borrower to cure exception. |  |  |  | Reviewer Comment (2022-02-10): [redacted] received RTC and proof of delivery.<br>Buyer Comment (2022-02-08): LOE, and New NRTC<br>Reviewer Comment (2022-02-03): [redacted] received Corrected CD, LOE to borrower, copy of refund check and proof of mailing. As the cure was for payment schedule correction on a rescindable transaction, reopening of rescission is also required. Provide proof rescission reopened to all borrower/property owners to finalize cure.<br>Buyer Comment (2022-02-02): Also see re-signed corrected CD [D0278]<br>Buyer Comment (2022-02-01): Please see trailing Note [D0280] |  | 02/10/2022 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | 24871626 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | New exception as a result of documentation provided. PCCD provided with corrected P&I. Provide LOE to borrower to cure exception. |  |  |  | Reviewer Comment (2022-02-10): [redacted] received RTC and proof of delivery.<br>Buyer Comment (2022-02-08): LOE and NRTC<br>Reviewer Comment (2022-02-03): [redacted] received Corrected CD, LOE to borrower, copy of refund check and proof of mailing. As the cure was for payment schedule correction on a rescindable transaction, reopening of rescission is also required. Provide proof rescission reopened to all borrower/property owners to finalize cure.<br>Buyer Comment (2022-02-02): Also see re-signed corrected CD [D0278]<br>Buyer Comment (2022-02-01): Please see trailing Note [D0280] |  | 02/10/2022 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | MI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 | 24871629 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a CPA letter through disinterested third party within 10 calendar days of closing. The loan file should reflect documentation secured from these sources. Sources may include: CPA, regulatory agency or applicable licensing bureau. |  |  |  | Reviewer Comment (2022-02-01): Received updated 1003 and 1008 with income correction. Exception Cleared.<br>Buyer Comment (2022-01-31): Updated 1003 &1008<br>Buyer Comment (2022-01-31): Updated 1003 & 1008<br>Reviewer Comment (2022-01-28): Provided comment has been reviewed. Income for Borrower [redacted] Consultant/Schedule C Business has been excluded. However, since Co Borrower [redacted] W2 Income from [redacted] is being used, please provide updated 1003/1008 with the income corrected. Exception remains.<br>Buyer Comment (2022-01-27): Lender Response: " We removed the schedule C / Consultant income of $[redacted] for [redacted] from income. We added the W2 income for [redacted] from [redacted] (she has 2 positions with that employer, one is schedule C - which we were already using, and one is W2, we prev were not using) there is a WVOE in the file, Paystubs, W2, VVOE and income calc. She had $[redacted] income from them in [redacted], nothing in [redacted], and $[redacted] thru[redacted]- we used ONLY the [redacted] income of $[redacted] and divided that by 24 for $[redacted]/mo income. This is a conservative calc. Let me know if you have any additional questions". VOE uploaded.<br>Reviewer Comment (2021-12-27): Please provide verification of Schedule C business for [redacted] within 10 days prior to closing. | 02/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 | 24871630 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-11-16): Sufficient Cure Provided At Closing |  | 11/16/2021 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | LA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 | 24871631 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-02-01): All ATR open exception has been cleared. Exception cleared<br>Reviewer Comment (2021-12-27): Please provide verification of Schedule C business for [redacted] within 10 days prior to closing. | 02/01/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | LA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 | 24871634 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 3 months business bank statements for B1 & B2 Schedule C income. |  |  |  | Reviewer Comment (2021-12-27): LOX has been received stating that Borrower uses Personal Checking Account for Schedule C Business. Personal Checking Bank Statements are already in file. Exception cleared.<br>Buyer Comment (2021-12-23): LOX from borrower | 12/27/2021 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 | 24871635 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | All components of the PITIA must be documented/verified for each property. |  |  |  | Reviewer Comment (2021-12-06): Received credit supplement and PITI included in the payment. Exception cleared.<br>Buyer Comment (2021-12-03): Lender Response: "Credit supplement showing PITI included in payment amount"; See uploaded Credit Supplement. | 12/06/2021 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (43-Q) | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10036 | 25126450 |  |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | Missing Subject Lien Note Fully executed by all parties to verify current Loan Amount of $[redacted] |  |  |  | Reviewer Comment (2022-02-15): CEMA Note was provided.<br>Buyer Comment (2022-02-14): Executed Note<br>Reviewer Comment (2022-02-14): Please provide a Missing Subject Lien Note Fully executed by all parties to verify the current Loan Amount of $[redacted], Exception remains.<br>Buyer Comment (2022-02-11): Please disregard. Note does not match subject property amount. Security instrument is present.<br>Buyer Comment (2022-02-11): Please re-review. Note on page 931/D0013. | 02/15/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | NY | Primary | Refinance - Rate/Term |  | D | A | A | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10036 | 25126454 |  |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) New York Subprime Loan (Change Fees) | New York Non-Subprime Loan: Mortgage loan contains possible impermissible modification or deferral fees. Note: Only applies to refinances of subprime loans if the APR was not decreased by at least 2%" | Unable to determine due to CEMA Note missing from file. File only contains the gap note. |  |  |  | Reviewer Comment (2022-02-15): Note provided.<br>Buyer Comment (2022-02-14): Please see uploaded executed Note | 02/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, refund of any modification, renewal, extension or amendment fees paid by borrower and Proof of Delivery. | D | A | A | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10036 | 25126455 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Missing the NMLS ID for Lender MLO on the Final Closing Disclosure (CD) issued [redacted] |  |  |  | Reviewer Comment (2022-02-14): Confirmed broker transaction, exception cleared.<br>Buyer Comment (2022-02-11): Please re-evaluate or at least down grade to an EV2. This is a wholesale brokered transaction. The lender does not have direct contact with the borrower. The lender's company's NMLS, contact name, telephone and email address was provided on the final CD. The originator's NMLS, LO name and NMLS along with email and telephone number was provided. | 02/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | A | A | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10037 | 25213234 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE from the co-borrower's employer was not provided within 10 business days. |  |  |  | Reviewer Comment (2022-03-17): Received VVOE dated [redacted] for co-borrower, Exception cleared.<br>Buyer Comment (2022-03-17): VOE | 03/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10037 | 25213235 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Missing evidence the updated appraisal dated[redacted] was provided to the borrowers. |  |  |  | Reviewer Comment (2022-03-17): Received Evidence of delivery for updated appraisal dated [redacted]. Exception Cleared.<br>Buyer Comment (2022-03-16): [redacted] Appraisal delivery | 03/17/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CO | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10037 | 25213236 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | File is missing the Loan Underwriting and Transmittal Summary (1008) |  |  |  | Reviewer Comment (2022-03-17): Received Loan Underwriting and Transmittal Summary (1008), Exception cleared.<br>Buyer Comment (2022-03-16): 1008 | 03/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Refinance - Rate/Term |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213240 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. CU Score = 5. |  |  |  | Reviewer Comment (2021-12-01): CDA received and reviewed, exception cleared.<br>Buyer Comment (2021-11-30): CDA | 12/01/2021 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213242 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Balance sheets for ALL of the Borrowers businesses not found in the file. |  |  |  | Reviewer Comment (2022-03-25): Balance Sheets provided.<br>Buyer Comment (2022-03-23): Balnce sheets uploaded<br>Reviewer Comment (2022-03-04): Provided Balance Sheets have been received and [redacted] YTD balance sheets have been received for all businesses of Borrower. Please provide [redacted] YTD Balance Sheet of all Businesses. Borrower Businesses are: 1.[redacted] 2.[redacted] 3.[redacted] 4.[redacted] 5.[redacted] 6.[redacted] 7.[redacted] 8.[redacted] 9.[redacted] 10.[redacted] 11.[redacted] 12.[redacted] 13.[redacted]. Please provide [redacted] YTD Balance Sheets for all mentioned businesses. Exception remains.<br>Buyer Comment (2022-03-03): Balance Sheets uploaded.<br>Reviewer Comment (2022-02-25): File is still missing Balance sheets for following business, 1) [redacted] 2) [redacted] 3) [redacted] 4) [redacted] 5) [redacted]y 6) [redacted]. Exception remains.<br>Buyer Comment (2022-02-24): balance sheets<br>Reviewer Comment (2021-12-01): Provided P&L statements are duplicate and already reviewed. Per [redacted] guidelines, a balance sheet is still required for all businesses being used to qualify. Per the final 1003, the only business not being used to qualify is [redacted]. Please provide Balance Sheets for all other businesses.<br>Buyer Comment (2021-11-30): Cash Flow<br>Reviewer Comment (2021-11-23): File has been converted to [redacted], however, per [redacted] guidelines, a balance sheet is still required for all businesses being used to qualify. Per the final 1003, the only business not being used to qualify is [redacted]. Please provide Balance Sheets for all other businesses.<br>Buyer Comment (2021-11-22): Lock Confirmation [redacted] | 03/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213243 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  |  | Buyer Comment (2021-11-22): Tax extension file 2020 |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213244 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213245 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213246 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2022-03-29): [redacted] tax extension filed<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 03/29/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213247 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213248 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213249 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213250 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213251 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213252 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213253 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Buyer Comment (2021-11-22): [redacted] tax extension in file.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  | 11/22/2021 | 2 | B | B | B | B | B | B | B | B | B | B |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213254 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The file is missing the [redacted] personal and business tax returns. Evidence of extension provided in file for [redacted] The file contained a copy of the [redacted] and [redacted] 1040's and business returns. |  |  |  | Reviewer Comment (2021-12-01): Tax Return extension is son file. Exception cleared.<br>Reviewer Comment (2021-11-18): This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. | 12/01/2021 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213255 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $1750.00 on LE but disclosed as $1775.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $25, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-11-24): "[redacted] received valid COC document to clear the exception.<br>Buyer Comment (2021-11-24): COC and CD Per Lender: The rate was locked on the coc that was sent on[redacted]with a discount charge of .25. The final cd was a coc/cd for the loan amount change so the dollar amount of the discount charge increased because of this change but not the discount charge of .25. | 11/24/2021 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213256 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects Jumbo, however AUS Approve/Ineligible in file -- Lender to Confirm Loan Program Used. |  |  |  | Reviewer Comment (2021-11-22): Client confirmed<br>Buyer Comment (2021-11-22): Confirmed rate lock date of [redacted], Jumbo [redacted] .<br>Reviewer Comment (2021-11-22): Please confirm we are using lock date of [redacted] and [redacted] guides and overlays Express to [redacted].<br>Buyer Comment (2021-11-20): Loan program should be [redacted], Initial lock was[redacted] and [redacted] was effective for locks on and after [redacted]. | 11/22/2021 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213257 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Current Mortgage Statement to verify Monthly P&I Amount of $[redacted] For REO Located at [redacted]: |  |  |  | Reviewer Comment (2022-01-27): Exception cleared. Lender Name on Pay History matches with lender name in fraud report for the associated property. Exception cleared.<br>Buyer Comment (2022-01-26): can you please advise where $[redacted] for [redacted]? Per seller everything in their system: credit history, REO, 1003,etc all have the payment as $[redacted] for this property.<br>Reviewer Comment (2021-12-01): Provided Pay History has been reviewed, however provided pay history does not reflect collateral property address, please provide mortgage statement or pay history with collateral property address as [redacted]. Exception remains.<br>Buyer Comment (2021-11-30): HOI and Tax Verification | 01/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213258 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | New exception as a result of documentation provided. Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-03-29): All QM related exceptions have been addressed.<br>Buyer Comment (2022-03-28): Uploaded 1003 & 1008<br>Buyer Comment (2022-03-28): Uploaded 1003 & 1008.<br>Reviewer Comment (2022-03-25): Income is positive and and can be omitted with ratios still meeting guides requirements. Provide updated 1003 and 1008 omitting this income stream. | 03/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | LA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | 25213259 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Partnership | General QM: Unable to verify Partnership income using reasonably reliable third-party records. | New exception as a result of documentation provided. Missing YTD P&L statement for XXXXX |  |  |  | Reviewer Comment (2022-03-29): Updated 1003/1008 provided with income from business removed.<br>Reviewer Comment (2022-03-25): Income is positive and and can be omitted with ratios still meeting guides requirements. Provide updated 1003 and 1008 omitting this income stream. | 03/29/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | LA | Primary | Refinance - Rate/Term |  | D | B | C | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10104 | 25586289 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Per the FInal CD Seller paid at closing costs are $[redacted] which in fact does match pg 4 of $[redacted] . Buyer paid at closing is $[redacted] and the aggregate adjustment is $[redacted] . |  |  |  | Buyer Comment (2022-04-19): Lender acknowledged non material EV2<br>Reviewer Comment (2022-04-19): Page 2 Section G reflects lender or seller paid a portion of the borrower's escrow cushion. [redacted] has discussed this specific issue with outside counsel in the past. We note that 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying. The exception is graded as an EV2 instead of an EV3 given the instructions in the CFPB Small Entity Compliance Guide.<br>Buyer Comment (2022-04-18): LOE<br>Reviewer Comment (2022-04-14): The amount on page 2 section G does not match page 4. Further With regard to the initial escrow payment, we have discussed this specific issue with outside counsel in the past. We note that 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." (Emphasis added). To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying. Letter of Explanation & Corrected Closing Disclosure with only the borrower paid portion on page 4 is required to cure.<br>Buyer Comment (2022-04-12): Please advise - what correction is needed? The total paid at closing for section G is $0 and there is $0 borrower paid costs for the initial escrow payment are disclosed. These amounts match. |  |  | 04/19/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10104 | 25586290 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Missing Secondary valuation for Securitization required for Express Loan since LCA Score > 2.5 |  |  |  | Reviewer Comment (2022-04-19): CDA Report has been received as secondary valuation. Exception cleared.<br>Buyer Comment (2022-04-18): CDA<br>Reviewer Comment (2022-04-14): Provided Desk Review has been reviewed. As per [redacted] guideline, "The seller must order a Collateral Desktop Analysis (CDA) from Clear Capital for each loan with a collateral underwriter score greater than 2.5." Please provide CDA from Clear Capital as secondary valuation. Exception remains.<br>Buyer Comment (2022-04-13): Desk Review | 04/19/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | B | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 | 25965980 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. |  | Declaration details updated from final 1003 declaration form. |  |  |  | Reviewer Comment (2022-05-24): LOE provided explaining discrepancy.<br>Buyer Comment (2022-05-23): Lender's comments: See LOX regarding B2 continue to temporarily work in [redacted] while family moves to subject in [redacted]. He will move and occupy by end of [redacted]. Currently 1003 is correct as is without him occupying. If you still require it revised to him being an owner-occupant, please advise. | 05/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 | 25965983 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% significantly exceeds the guideline maximum of [redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Income for the co-borrower was included in the DTI ratio calculation, however he is a [redacted] for the [redacted], and there is no documentation provided to support his ability to continue in this position from the state of [redacted]. Additionally, there is a letter of explanation from the borrower stating his intention to move to [redacted] by the end of [redacted]. For these reasons, his income has been excluded. |  |  |  | Reviewer Comment (2022-06-03): Sufficient documentation provided to include B2 income in review.<br>Reviewer Comment (2022-05-23): Provided LOX is duplicate and already reviewed. Employer does not confirm Co-borrower ability to work remotely from another state and it only addressed about traveling for training or conference purpose. Exception Remains.<br>Buyer Comment (2022-05-23): See LOX from employer. Borrower's position allows him to work remotely. | 06/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 | 25965984 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-03): All QM related exceptions have been addressed. | 06/03/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CO | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 | 25965985 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Income for the co-borrower was included in the DTI ratio calculation, however he is a [redacted] for the [redacted], and there is no documentation provided to support his ability to continue in this position from the state of [redacted]. Additionally, there is a letter of explanation from the borrower stating his intention to move to [redacted] by the end of [redacted]. For these reasons, his income has been excluded. |  |  |  | Reviewer Comment (2022-06-03): Sufficient documentation provided to include B2 income in review.<br>Buyer Comment (2022-06-03): Lender's rebuttal: Please see attached and waive final condition. B2 does not have a plan to move to [redacted] full-time. He will continue to work in [redacted] (while living rent free) and visit with his family in [redacted] on the weekends. Both borrower letter and rent free letter confirm this. Even if his work would not allow out-of-state, full-time remote work, B2 does not plan to ever be fully out of the state of [redacted] full time.<br>Reviewer Comment (2022-05-23): Provided LOX is duplicate and already reviewed. Employer does not confirm Co-borrower ability to work remotely from another state and it only addressed about traveling for training or conference purpose. Exception Remains.<br>Buyer Comment (2022-05-20): Employer LOX attached | 06/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 | 25965986 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-06-03): Sufficient documentation provided to include B2 income in review. | 06/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10113 | 26202155 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Collateral Desktop Analysis Fee was last disclosed as $0 on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-06-08): Sufficient Cure Provided At Closing |  | 06/08/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CO | Second Home | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10163 | 26202156 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Documentation for the Initial Rate lock was not visible in the file. Note: LE's and COCs from 5/6 and [redacted] were not provided in file upload. |  |  |  | Reviewer Comment (2022-06-15): Verification of lock date received.<br>Buyer Comment (2022-06-13): Complete [redacted] LE<br>Reviewer Comment (2022-06-13): Missing pg 3 of [redacted] LE.<br>Buyer Comment (2022-06-10): [redacted] LE and COC<br>Buyer Comment (2022-06-10): [redacted] LE | 06/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10163 | 26202159 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is not within 10 business days of the Note. |  | VVOE was completed [redacted], which is not within 10 business days of the Note date ([redacted]). |  |  |  | Reviewer Comment (2022-06-15): VVOE provided.<br>Buyer Comment (2022-06-15): VVOE<br>Reviewer Comment (2022-06-13): Per client, disregard previous comment.<br>Buyer Comment (2022-06-10): Disregard not within 10 days<br>Buyer Comment (2022-06-10): Work # VOE in file D0044 pg 157 reflects verified[redacted] for [redacted]. Please remove exception | 06/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10163 | 26202160 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Large deposits were not sourced and/or letter of explanation was not provided. |  | Provide source documentation for large deposit made into [redacted] on [redacted] for $[redacted]. |  |  |  | Reviewer Comment (2022-06-13): Source documentation provided.<br>Buyer Comment (2022-06-13): The [redacted] was part of the relocation package | 06/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202162 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational only exception and can be waived. Extensions on file for [redacted] returns. |  |  |  | Buyer Comment (2022-06-20): EV2 Informational: 7004 Tax Extension provided for [redacted]; Waived. |  |  | 06/20/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202163 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Missing Initial Loan Estimate Document. The earliest provided Loan Estimate (LE) was issued [redacted] verse Creditor Application Date of [redacted] which does not meet the three (3) business day requirement. |  |  |  | Reviewer Comment (2022-06-21): Application date updated to match initial 1003<br>Buyer Comment (2022-06-21): Application date LOE | 06/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202164 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. |  |  |  | Reviewer Comment (2022-06-22): [redacted] received valid changed circumstance and additional information.<br>Buyer Comment (2022-06-21): CDs ([redacted], [redacted] with COC and [redacted])<br>Buyer Comment (2022-06-20): Per COC page D0127/212 Lender credit reduced due to loan amount decrease and rate increase . Please review | 06/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202166 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Cure for this was provided at closing, this exception will be cleared when all other tolerance violations have been resolved. |  |  |  | Reviewer Comment (2022-06-22): [redacted] Sufficient cure provided at closing.<br>Buyer Comment (2022-06-21): Please see cure on final CD. | 06/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202167 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Cure for this was provided at closing, this exception will be cleared when all other tolerance violations have been resolved. |  |  |  | Reviewer Comment (2022-06-22): [redacted] Sufficient cure provided at closing.<br>Buyer Comment (2022-06-21): Please see COC for lender credit decrease and cure for Credit Report on final CD. | 06/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202168 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Provided Right to Receive Copy of Appraisal Disclosure was issued [redacted] which was not within 3 Business Days of Loan Application Date of [redacted]. |  |  |  | Reviewer Comment (2022-06-21): Application date updated to match initial 1003<br>Buyer Comment (2022-06-21): Please see uploaded LOE/confirmation of lender application date. | 06/21/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202169 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | Provided Initial RESPA Homeownership Counseling List Status Disclosure was issued [redacted] which was not within 3 Business Days of Loan Application Date of [redacted]. |  |  |  | Reviewer Comment (2022-06-21): Application date updated to match initial 1003<br>Buyer Comment (2022-06-21): Please see uploaded LOE/confirmation of lender application date. | 06/21/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202170 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Missing Secondary valuation for Securitization required for Express Loan since LCA Score > 2.5 |  |  |  | Reviewer Comment (2022-06-22): CDA provided.<br>Buyer Comment (2022-06-22): CDA | 06/22/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202171 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase | Final CD evidences Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | 26202172 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase | Final CD evidences Cure | D | B | A | A | C | B | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10201 | 26202173 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial Escrow Deposit Disclosure disclosed initial escrow deposit as $[redacted]. Final CD reflects initial escrow deposit of $[redacted] due to seller contribution. This is an informational EV2 exception and is eligible to be aknowledged and waived. |  |  |  | Buyer Comment (2022-06-06): Lender acknowledged non-material EV2. |  |  | 06/06/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | CO | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10201 | 26202176 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | VOR only partially documented. Please provide Verification of [redacted] stay and payment for [redacted], cancelled checks for [redacted], and cancelled checks for [redacted] (VORs were completed by an individual not a rental company). | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | [redacted] actual vs [redacted] min<br>[redacted]% actual vs [redacted]% max | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2022-06-24): Buyer exception received to waive for compensating factors: DTI and FICO<br>Buyer Comment (2022-06-24): Exception provided by [redacted], please see attached.<br>Reviewer Comment (2022-06-07): XXXX verification received. Still pending cancelled checks for [redacted], and cancelled checks for [redacted] (VORs were completed by an individual not a rental company).<br>Buyer Comment (2022-06-07): statements for VOR<br>Buyer Comment (2022-06-07): [redacted] |  |  | 06/24/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | CO | Primary | Purchase |  | C | B | C | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 | 26202177 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-01): Per client directive. Closing Instructions reflect coverage amount. | 06/01/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 | 26202179 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Income worksheet not found in the file |  |  |  | Reviewer Comment (2022-06-07): Income worksheet provided for both businesses.<br>Buyer Comment (2022-06-06): cash flow analysis | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 | 26202181 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of [redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Desk Review Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-14): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2022-06-13): Fedex label (# [redacted])<br>Buyer Comment (2022-06-13): Copy of refund check<br>Buyer Comment (2022-06-13): PCCD and LOE<br>Reviewer Comment (2022-06-07): Received COC dated[redacted] and a CDA is present on file dated[redacted]. The Appraisal report on file is dated[redacted] which is not within 3 days to the CDA date or the COC date. Please provide an updated COC explaining why Appraisal Desk Review Fee was added on [redacted] or provide cure documents<br>Buyer Comment (2022-06-03): COC |  | 06/14/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 | 26202182 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. | Verification appraisal waiver was delivered to borrower and was provided on [redacted] however not within 3 business days. |  |  |  | Buyer Comment (2022-06-07): Lender acknowledged non-material EV2. Appraisal provided on [redacted], waiver signed [redacted] and loan closed [redacted]. |  |  | 06/07/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10121 | 26230848 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | LE in file is dated[redacted], however, disclosure summary shows LE provided on [redacted], not found at time of review. |  |  |  | Reviewer Comment (2022-06-07): Received [redacted] LE.<br>Buyer Comment (2022-06-03): [redacted] LE | 06/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10121 | 26230849 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-06-06): [redacted] received valid COC dated [redacted].<br>Buyer Comment (2022-06-03): COC | 06/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10175 | 26230857 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Missing Support documentation to verify the Non-Escrowed Property Costs over Year 1 of $[redacted] on Final Closing Disclosure provided on [redacted] |  |  |  | Reviewer Comment (2022-06-10): [redacted] received document stating sanitary taxes were not escrowed and it was matching with Final CD.<br>Buyer Comment (2022-06-08): Title Commitment - Section B (1 page) with Lender's note regarding non-escrowed Sanitary taxes | 06/10/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10175 | 26230859 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided |  |  |  | Reviewer Comment (2022-06-03): Sufficient Cure Provided At Closing |  | 06/03/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Purchase | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 | 26230851 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Missing 1008 |  |  |  | Reviewer Comment (2022-05-23): 1008 provided.<br>Buyer Comment (2022-05-20): 1008 | 05/23/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 | 26230852 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Missing Mortgage Statement from SBA for [redacted]reet REO and Proof of Hazard Insurance |  |  |  | Reviewer Comment (2022-06-08): Missing REO documents provided.<br>Buyer Comment (2022-06-08): HOI [redacted].property attached<br>Reviewer Comment (2022-05-23): [redacted] insurance has been verified and Security Instrument confirms it is not a PUD, so no HOA dues. SBA statement received for [redacted]. Still pending documentation of insurance expense for [redacted] property.<br>Buyer Comment (2022-05-23): [redacted]<br>Buyer Comment (2022-05-23): HOI-[redacted] Insurance<br>Buyer Comment (2022-05-23): Property profile for [redacted] - commercial property. no pud.<br>Buyer Comment (2022-05-23): Mortgage Statement | 06/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 | 26230854 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non Escrowed Property Costs over Year 1 as $[redacted] on page 4; however the Property Taxes ($[redacted]), Insurance ($[redacted]) and HOA ($[redacted]) total $[redacted] per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-27): [redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2022-05-26): LOE and PCCD |  | 05/27/2022 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 | 26230855 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final cd provided on [redacted] does not show box checked as to having declined escrow impounds. Please provide corrected disclosure from consumer. |  |  |  | Reviewer Comment (2022-06-07): [redacted] received Post CD and LOX.<br>Buyer Comment (2022-06-07): PCCD and revised LOE to borrower<br>Reviewer Comment (2022-06-02): [redacted] received Post cd with correction on page 4 will not have an escrow account box however the lox doesn't specify the changes made on post cd. Kindly provide updated LOX for the changes made on post cd page 4 in order to cure the exception.<br>Buyer Comment (2022-05-31): CD in correct format<br>Reviewer Comment (2022-05-27): [redacted] Received PCCD and LOE in Purchase format; however, Final CD and Initial CD is in Refinance format. Provide corrected PCCD and LOE in Refinance format.<br>Buyer Comment (2022-05-26): Please see uploaded LOE and PCCD |  | 06/07/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 | 26230856 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Finance Charge disclosed is $[redacted]. Calculated finance charge is $[redacted]. Variance of $[redacted]. Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission if Applicable |  |  |  | Reviewer Comment (2022-05-27): Upon further review finance charge was correctly disclosed to consumer<br>Reviewer Comment (2022-05-24): [redacted] received the final CD. The discrepancy appears to be due to not including the Title-Recording Fee and Title-Sub Escrow Fee in the APR calculations. Please provide a corrected CD, LOE, refund check, reopen rescission, and proof of delivery to cure.<br>Buyer Comment (2022-05-20): Please re review: Finance charges are disclosed correctly on CD 59 located on page (D0050)<br>Buyer Comment (2022-05-20): [redacted] CD finance charge disclosed correctly at $[redacted] | 05/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10176 | 26260065 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing the Fraud Report for all Borrower(s) required per Loan Program. |  |  |  | Reviewer Comment (2022-06-29): Fraud Report received on the file. Exception Cleared.<br>Buyer Comment (2022-06-28): Fraud Guard<br>Buyer Comment (2022-06-28): Fraud Report Attached | 06/29/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261768 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted] HOI Dwelling Coverage must be at least the lessor of the Estimated Cost New from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-04-18): Received RCE. Exception cleared.<br>Buyer Comment (2022-04-15): RCE | 04/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261769 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing Required AUS Document. Loan Data Tape 1 Indicates Express Loan Program which requires an AUS to be provided. Reserve Requirements subject to change upon receipt. |  |  |  | Reviewer Comment (2022-04-18): Received AUS. Exception cleared.<br>Buyer Comment (2022-04-15): AUS | 04/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261770 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Missing 24 Month VOR / VOM History required by Lender Loan Program Guidelines. |  |  |  | Reviewer Comment (2022-05-26): LOE received, sufficient VOM/VOR provided.<br>Buyer Comment (2022-05-26): Letter from borrower's brother explaining borrower lived with him prior to purchase in July of [redacted].<br>Reviewer Comment (2022-04-13): 18 Months history provided on Credit Report ([redacted]). Please provide additional 6 mos. previous housing history to complete 24 mo. requirement, | 05/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261771 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing Signed & Dated [redacted] 1120S Business Return and/or Extension and [redacted] YTD Balance Sheet for Borrower's S-Corp (>= 25%) [redacted] In addition, the Provided [redacted] 1120S Business Tax Return signature was not dated as required per Lender. |  |  |  | Reviewer Comment (2022-05-26): Balance sheets provided.<br>Buyer Comment (2022-05-26): 7004 Tax Extension-[redacted]<br>Buyer Comment (2022-05-26): Balance Sheet and Business Bank Statements<br>Reviewer Comment (2022-05-04): [redacted] Tax Return Extension is not required considering Loan Application Date is[redacted]. [redacted] YTD P&L for[redacted] is available till[redacted] and for YTD [redacted]. Please provide Balance Sheet till[redacted] and [redacted] YTD Balance Sheet which is required as per [redacted] Guidelines. Also please provide Business Bank Statement for [redacted] for the month of [redacted] to determine business viability analysis as per [redacted] guidelines. Exception remains.<br>Buyer Comment (2022-05-03): lender rebuttal for [redacted]: loan application date was end of [redacted] and the note date was [redacted]. balance sheet not required<br>Reviewer Comment (2022-04-27): For S Corp Business, tax return deadline is[redacted] for [redacted] financial year.[redacted] is the deadline for individual and Sole Proprietorship Business. Please provide [redacted] signed/dated 1120S/K1 or [redacted] extension for [redacted], Inc. Also, provide [redacted] YTD balance sheet along with [redacted] Balance sheet (if extension provided). Exception Remains.<br>Buyer Comment (2022-04-26): Lender Response: "The business tax deadline for [redacted] taxes filed in [redacted] was on[redacted]. This loan funded on [redacted]. The deadline had not passed at the time the loan closed. [redacted] extension should not be required."<br>Reviewer Comment (2022-04-18): Received Singed/dated [redacted] 1120s for [redacted], Inc. Provide [redacted] singed/dated 1120s or [redacted] extension for [redacted], Inc. Also, provide [redacted] YTD balance sheet along with [redacted] Balance sheet (if extension provided). Exception Remains.<br>Buyer Comment (2022-04-15): [redacted]-1120S signed | 05/26/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261772 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Missing Third Party Verification of Employment (VVOE) for borrower's S-Corp (>= 25%) The [redacted], as well as, [redacted] and[redacted] K-1s and signed and dated YTD P&Ls and Balance Sheets. |  |  |  | Reviewer Comment (2022-05-27): P&L and Balance Sheets provided.<br>Buyer Comment (2022-05-27): P&L and Balance Sheet for [redacted]<br>Reviewer Comment (2022-05-26): Per client, disregarding last comment and upload. Exception still pending [redacted]/YTD P&Ls and balance Sheets.<br>Buyer Comment (2022-05-26): Please disregard upload[redacted] @ [redacted]. The balance sheet was for the [redacted] business.<br>Buyer Comment (2022-05-26): [redacted] & YTD Balance Sheet<br>Reviewer Comment (2022-05-04): Tax Return Extension for [redacted] is not required considering loan application date is[redacted]. Please provide [redacted] YTD P&L and Balance Sheet and [redacted] YTD P&L and Balance Sheet atleast till[redacted] which is 60 days prior to Note Date along with [redacted] YTD balance sheet as per [redacted] Guidelines. Exception remains.<br>Buyer Comment (2022-05-03): [redacted] k1<br>Buyer Comment (2022-05-03): lender rebuttal for [redacted]: loan application date was end of [redacted] and the note date was [redacted]. balance sheet not required<br>Reviewer Comment (2022-04-27): For S Corp Business, tax return deadline is[redacted] for [redacted] financial year.[redacted] is the deadline for individual and Sole Proprietorship Business. Please provide [redacted] 1120S/K1 for The [redacted] or else Please provide tax return extension, if tax return is not filed for [redacted]. Also please provide signed and dated YTD P&L for [redacted](if tax return is on extension) and [redacted] along with [redacted](if tax return is on extension) and [redacted] YTD Balance Sheet. Exception remains.<br>Buyer Comment (2022-04-26): Lender Response: "- The business tax deadline for [redacted] taxes filed in [redacted] was on[redacted]. This loan funded on [redacted]. The deadline had not passed at the time the loan closed. [redacted] extension should not be required".<br>Reviewer Comment (2022-04-22): [redacted] tax not filed as per comment. Please provide [redacted] business extension and [redacted] year end P&L and [redacted] YTD P&L so ratios can accurately calculated. DTI currently calculated at [redacted]% against a max of 40%. AUS requires most recent year tax returns. Exception remains.<br>Buyer Comment (2022-04-21): [redacted] K-1 for [redacted] (reflects 100%) located in [redacted] portal doc # D 0325<br>Buyer Comment (2022-04-21): Lender Response: "[redacted] K1 - [redacted] taxes have not been filed. DU only requires 1 year of returns"<br>Reviewer Comment (2022-04-14): Revised commentary: <br>Missing Third Party Verification of Employment not required for negative income. Please provide provide [redacted] K-1 or [redacted] year end P&L and [redacted] YTD P&L so ratios can accurately calculated. DTI currently calculated at [redacted]% against a max of 40%.<br>Buyer Comment (2022-04-14): Third party verification is not required for n=negative income. please remove this part of the exception | 05/27/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261773 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-08): All QM related exceptions have been addressed. | 06/08/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261774 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a corrected 1008 reflecting AUS vs Manual Underwrite. |  |  |  | Reviewer Comment (2022-04-18): Received updated 1008. Exception cleared.<br>Buyer Comment (2022-04-15): 1008 | 04/18/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261775 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing Third party business verification for business [redacted] within 10 days of closing dated[redacted] or within 35 days of Purchase. The Business verification in the file is dated[redacted] and the CPA letter in file only references use of funds. |  |  |  | Reviewer Comment (2022-04-18): Received third party verification document. Exception cleared.<br>Buyer Comment (2022-04-15): Verification of Business | 04/18/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261776 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing HELOC closing letter for Pentagon Fed. |  |  |  | Reviewer Comment (2022-04-26): HELOC Payoff signed by Borrower has been received. It has the proper verbiage to support the HELOC being closed Exception cleared.<br>Buyer Comment (2022-04-25): Lender Response: "payoff signed by borrower with verbiage to payoff and close out the account"; See uploaded supporting docs.<br>Reviewer Comment (2022-04-18): The provided payoff statement for Heloc is already in file. Missing HELOC closure/Freeze letter for Pentagon Fed. Exception remains.<br>Buyer Comment (2022-04-15): Pentagon FCU | 04/26/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | 26261777 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - DTI | General QM: No debt to income ratio (or a negative or zero ratio) was provided to demonstrate ability to repay. | New exception as a result of documentation provided. YTD P&L for The [redacted] shows a significant decline in income from previous years resulting in negative total income for the borrower and a negative DTI of -[redacted]%. Please provide LOE concerning income flowing in and why [redacted] was significantly less that the prior years monthly averages. |  |  |  | Reviewer Comment (2022-06-08): Sufficient explanation provided for decreased income on YTD P&L.<br>Buyer Comment (2022-06-07): Borrower's LOX | 06/08/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Refinance - Cash-out - Other |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10170 | 26308499 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Buyer Comment (2022-06-02): California Loan: Escrow Instructions in the amount of $[redacted] provided; Final Title in correct amount to follow. |  |  | 06/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10170 | 26308501 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 6 mos. required per [redacted] overlays. |  |  |  | Reviewer Comment (2022-07-11): Assets were provided<br>Buyer Comment (2022-07-07): Per Lender : We have received additional assets from the client that can cover the Shortage from the asset reserves. The statement is dated[redacted]but the application date for this loan is [redacted]. Note date[redacted] | 07/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10212 | 26308489 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy is within CA and does not reflect a coverage amount (no final title policy in the file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-06-29): Per client directive. Closing Instructions reflect coverage amount. | 06/29/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10212 | 26308491 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus 10% or $[redacted]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[redacted]. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-11): PCCD was provided.<br>Reviewer Comment (2022-07-11): [redacted] received PCCD however the disbursement date on CD is still showing[redacted]however on final SS it is [redacted]. Kindly provide updated PCCD. Exception remains.<br>Buyer Comment (2022-07-08): CD with LOE/COC to borrower indicating clerical corrections to Disbursement date and Recording fees<br>Buyer Comment (2022-07-08): Final Settlement Statement reflecting actual Recording fees<br>Reviewer Comment (2022-07-08): [redacted] Received a PCCD dated [redacted] showing that the fees has been lowered, however there is no supporting LOE specifying the details. Please provide an LOE and a True and ceritfied final Settlement Statement to verify updated fees on Corrected CD were actual fees charged at closing.<br>Buyer Comment (2022-07-07): Final/PCCD issued [redacted] | 07/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | B | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10239 | 26640398 |  |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Cash back on purchase transaction. |  | Final CD, page 6 lists 2 loans paid off from Departure Residence that were paid per Closing Statement as proof of sale. Page 3 does confirm funds from subject loan were not used to pay these items off. |  |  |  | Reviewer Comment (2022-08-11): Received PCCD along with LOX confirming Payoffs removed from the page 6. Exception cleared.<br>Buyer Comment (2022-08-10): PCCD<br>Reviewer Comment (2022-08-05): Provide a corrected PCCD omitting the 2 loans paid off on page 6 that were paid through another closing that occurred the day before and were not part of the subject transaction. . | 08/11/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10223 | 26640400 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. | Initial escrow payment amount of $[redacted] disclosed on page 4 of final CD does not match initial escrow payment amount of $[redacted] disclosed on page 2 section G of final CD. |  |  |  | Reviewer Comment (2022-08-18): [redacted] received Corrected CD and LOE to borrower updating seller paid costs<br>Buyer Comment (2022-08-16): LOE and revised PCCD | 08/18/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10223 | 26640402 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | The lender must perform a business cash flow analysis for account ending in #XXXX, to confirm that the withdrawal of business funds for this transaction will not have a negative impact on the business. |  |  |  | Reviewer Comment (2022-08-17): Received Cash Flow analysis for Business account ending in #[redacted], Exception cleared.<br>Buyer Comment (2022-08-16): cash flow analysis | 08/17/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | A | C | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640414 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Secondary valuation not found at time of review,[redacted] |  |  |  | Reviewer Comment (2022-08-03): Received CDA. Exception cleared.<br>Buyer Comment (2022-08-01): CDA | 08/03/2022 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640415 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance verification for previous primary residence, [redacted], not found at time of review. Confirmation of no mortgage obligation also not provided. Loan application reflects borrower attestation of $[redacted] total obligation for this property. Subject to further review, |  |  |  | Reviewer Comment (2022-08-16): received letter of explanation regarding the tax calculation. Considered monthly tax as $[redacted]. Exception cleared.<br>Buyer Comment (2022-08-15): LOX<br>Reviewer Comment (2022-08-03): Received tax, insurance and release of lien document for the property [redacted]. However monthly payment as per documentation is only $[redacted] (tax $[redacted]+ Insurance $[redacted]) and 1003 reflecting a monthly expense of $[redacted]. Provide document evidencing the other payments of $[redacted]. Exception remains.<br>Buyer Comment (2022-08-01): [redacted] | 08/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640417 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Excessive DTI, Loan was approved using lower credit card and debt obligations than what was documented on the credit report,. Additional documentation confirming lower payments was not provided. |  |  |  | Reviewer Comment (2022-08-22): Cleared.<br>Buyer Comment (2022-08-18): Per our UW: Im not sure what else I can provide. Encompass reflects three debts excluded. The credit supplement shows the balances for [redacted] Card and [redacted] and they were paid per the CD page 6 under Payoffs and Payments, Additionally the same credit supplement reflects the [redacted] account as paid in full. These are the three accounts omitted in Encompass that give us a DTI of [redacted]%. I will need more specific information as to what additional documentation they're referring to. As far as I know this is how we document the accounts paid at closing however I'm not a closer to know for certain. Lastly, I doubled check the AUS vs the 1008 and both match to the penny, Again, I will need more specific information on what is needed. | 08/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640418 |  |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2022-08-01): Received Homeownership Counseling Organization List document. Exception cleared.<br>Buyer Comment (2022-07-29): Homeownership Counseling list | 08/01/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640421 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-08-22): Cleared. | 08/22/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | TX | Primary | Purchase | Lender to provide updated ATR/QM status | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640423 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Missing COC and Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-08-01): [redacted] received valid COC hence no further action required.<br>Buyer Comment (2022-07-29): [redacted] LE and COC | 08/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640424 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Loan was approved using lower credit card and debt obligations than what was documented on the credit report,. Additional documentation confirming lower payments was not provided. |  |  |  | Reviewer Comment (2022-08-22): Updated debts from CR provided. Cleared.<br>Buyer Comment (2022-08-18): Lender's rebuttal: Per our UW: Im not sure what else I can provide. Encompass reflects three debts excluded. The credit supplement shows the balances for [redacted] Card and [redacted] and they were paid per the CD page 6 under Payoffs and Payments, Additionally the same credit supplement reflects the [redacted] account as paid in full. These are the three accounts omitted in Encompass that give us a DTI of [redacted]%. I will need more specific information as to what additional documentation they're referring to. As far as I know this is how we document the accounts paid at closing however I'm not a closer to know for certain. Lastly, I doubled check the AUS vs the 1008 and both match to the penny, Again, I will need more specific information on what is needed.<br>Reviewer Comment (2022-08-05): Received credit supplement and payments updated. However the DTI is still exceeding the limit. Additional documentation confirming lower payments was not provided. Exception remains.<br>Buyer Comment (2022-08-04): credit supplement | 08/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640425 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-08-22): Cleared | 08/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640426 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing all asset documentation at time of review. |  |  |  | Reviewer Comment (2022-08-03): Received bank statements. Exception cleared.<br>Buyer Comment (2022-08-02): IRA | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640427 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing all asset documentation at time of review. |  |  |  | Reviewer Comment (2022-08-03): Received bank statements. Exception cleared.<br>Buyer Comment (2022-08-02): IRA Statement | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | 26640428 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Missing verification of mortgage payment to Amplify for [redacted], cannot verify 24 months history. |  |  |  | Reviewer Comment (2022-08-03): Current primary property is free and clear from 07/[redacted] and prior history verified from credit report. Exception cleared.<br>Buyer Comment (2022-08-01): There is no mortgage with Amplify. | 08/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | 26793096 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Tax transcripts are required with all loans. Lender to provide tax transcripts for most recent year. |  |  |  | Reviewer Comment (2022-08-08): Received [redacted] W-2 Transcript for both the borrowers. Exception cleared.<br>Buyer Comment (2022-08-08): [redacted]'s Transcripts | 08/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | 26793097 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-08-08): Received RCE reflecting Construction Re-build amount of $[redacted], HOI has sufficient coverage, Exception cleared.<br>Buyer Comment (2022-08-08): RCE | 08/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | 26793099 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2022-08-08): Received E-mail conversation is confirming borrower received Copy of Appraisal report on [redacted]. Exception cleared.<br>Buyer Comment (2022-08-05): Appraisal email to borrower | 08/08/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | 26793100 |  |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate set date not found in the file. |  |  |  | Reviewer Comment (2022-08-09): Rate lock was confirmed/provided.<br>Buyer Comment (2022-08-05): COC for[redacted]rate lock | 08/09/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | 26793101 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | The file is missing a copy of Seller's Closing Disclosure. |  |  |  | Reviewer Comment (2022-08-09): Seller CD was provided<br>Buyer Comment (2022-08-05): Seller CD | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | 26793103 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | New credit report being provided by lender |  |  |  | Reviewer Comment (2022-08-31): Updated report to reflect B2 score over 780 for pricing /reporting was provided.<br>Buyer Comment (2022-08-31): Updated credit report with all 3 repoostories. | 08/31/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10231 | 26793104 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | VOR for 24 months from [redacted]-[redacted] for '[redacted]'.<br> However no documentation for '[redacted]' to complete 24 mos. required history. |  |  |  | Reviewer Comment (2022-08-25): rent for 24 months was provided<br>Buyer Comment (2022-08-25): corrected 1003 & VOR<br>Reviewer Comment (2022-08-19): Received rental payment history from July [redacted] to June [redacted] with correction in rental amount in 1003 for "[redacted]" and additionally, made Correction in other address to [redacted], however credit report reflected residential address history as "[redacted]" Also, for co-borrower address still reflecting as "[redacted]". Exception Remains.<br>Buyer Comment (2022-08-18): VOR<br>Buyer Comment (2022-08-18): Lender's comments: Hello, from [redacted] -[redacted] borrower rented [redacted] at $[redacted] (VOR ATTACHED). Address has been corrected on 1003 to [redacted]. . Then from[redacted] to[redacted] they rented [redacted] at $[redacted] which we have 11 months checks reflecting this. corrected to $[redacted] on 1003 Thank you<br>Reviewer Comment (2022-08-09): Received document has been reviewed, File meets 24 months of housing history, however, received checks are reflecting rental payment of $[redacted] which is lesser than the final 1003 rental of $[redacted]rovide clarification along with supporting documents to validate the actual rental payment history, Additional, VOR reflecting prior rental property address as '[redacted]' which is not matching with final 1003 address of '[redacted]', Exception remains.<br>Buyer Comment (2022-08-08): VOR and cancelled checks for a complete 24 months rental history. | 08/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10231 | 26793105 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE for B2 is not within required 10 business days prior to Note date. |  |  |  | Reviewer Comment (2022-08-09): Received Employment verification for Borrower 2 within 10 business days prior to Note date. Exception cleared.<br>Buyer Comment (2022-08-08): VOE-[redacted] | 08/09/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10108 | 26793109 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-07-19): Received HOI endorsement with additional 50% coverage. Exception cleared.<br>Buyer Comment (2022-07-18): Lender Response: "rebuttal. HOI has 150% replacement cost coverage"; Please see uploaded supporting docs.<br>Reviewer Comment (2022-07-15): Provided RCE is reflecting Reconstruction Cost of $[redacted] is higher than the HOI dwelling coverage amount of $[redacted]xception remains.<br>Buyer Comment (2022-07-14): HOI and RCE | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10108 | 26793110 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Missing [redacted] Transcripts, Extension or Tax Returns for S-Corp, Y-not Enterprises, Inc. for both borrowers. |  |  |  | Reviewer Comment (2022-08-31): Received [redacted] transcript with No Record of return filed. Exception cleared.<br>Buyer Comment (2022-08-31): No records found for[redacted]<br>Buyer Comment (2022-08-29): 7004 - [redacted] Tax Extension for Y-Not Enterprises<br>Reviewer Comment (2022-08-29): If transcripts are not available for 2021, provide the [redacted] extension to clear.<br>Reviewer Comment (2022-08-15): Business transcripts are not a requirement. The exception is for [redacted] 1040 transcripts for borrower and co-borrower as borrowers are qualified with business income and file have only w2 transcripts. Exception remains.<br>Buyer Comment (2022-08-12): Please revise exception. Business Tax Transcripts are not a requirement for Jumbo Express.<br>Reviewer Comment (2022-08-12): The transcripts in file (D0590 and D0599) are w2 transcripts for borrower. Provide [redacted] tax transcripts for borrower and co-borrower for the S-corp Y-Not enterprises. Exception remains.<br>Buyer Comment (2022-08-11): Business Tax Transcripts are not a requirement per V9 guides. Please revise exception.<br>Reviewer Comment (2022-08-11): Received business extension for [redacted]. The transcripts in file (D0590 and D0599) are w2 transcripts for borrower. Provide tax transcripts or business transcripts for borrower and co-borrower for the S-corp Y-Not enterprises. Exception remains.<br>Buyer Comment (2022-08-10): [redacted] Business Tax Extension attached. [redacted] and [redacted] Tax Transcripts in file (D0590 and D0599) | 08/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10332 | 26840556 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal report is dated [redacted] and is after Note date of [redacted] |  |  |  | Reviewer Comment (2022-09-01): Received original appraisal. Cleared<br>Buyer Comment (2022-09-01): appraisal<br>Reviewer Comment (2022-08-29): Please provide earlier dated appraisal report. Subject to further testing.<br>Buyer Comment (2022-08-29): The effective date of the appraisal is [redacted] - please remove this exception | 09/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | SC | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10329 | 26840557 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-09-01): Received Final title Policy covering the loan amount. Exception Cleared. | 09/01/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10329 | 26840558 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-09-01): Received Final title Policy covering the loan amount. Exception Cleared.<br>Buyer Comment (2022-08-31): final title | 09/01/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10329 | 26840562 |  |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Client request to add a PCCD and re-test. PCCD and LOX provided. |  |  |  | Buyer Comment (2022-08-30): Acknowledged as informational. |  |  | 08/30/2022 | 2 |  | B |  | B |  | B |  | B |  | B |  | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10323 | 26840566 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | CD was signed [redacted], closing occurred [redacted] |  |  |  | Reviewer Comment (2022-08-31): [redacted] received LOE, e-Signed Disclosures dated [redacted].<br>Buyer Comment (2022-08-30): Lender LOE | 08/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10323 | 26840568 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing the income analysis for borrower. |  |  |  | Reviewer Comment (2022-08-31): Received 1084 or income worksheet for borrower. Exception cleared.<br>Buyer Comment (2022-08-30): Income Worksheet | 08/31/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10262 | 26840634 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided to borrower at closing. |  |  |  | Reviewer Comment (2022-07-28): Sufficient Cure Provided At Closing |  | 07/28/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NC | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10219 | 26840655 |  |  | Credit | Guideline | Guideline Issue | Guideline | Asset qualifications not met per guidelines. | Total assets: ___; Reserves: ___ | The lender must perform a business cash flow analysis or provide CPA to confirm that the withdrawal of business funds (accounts #[redacted], #[redacted], #[redacted]) for this transaction will not have a negative impact on the business. |  |  |  | Reviewer Comment (2022-07-25): Received Business fund cash flow analysis. Exception Cleared.<br>Buyer Comment (2022-07-22): breakdown<br>Buyer Comment (2022-07-22): BOA brakdown<br>Reviewer Comment (2022-07-20): Received the same Income worksheet. Provide Business fund Cash flow Analysis or CPA to confirm that withdrawal of business funds([redacted] # [redacted], #[redacted] and # [redacted]) for this transaction will not have Negative impact on the business.<br>Buyer Comment (2022-07-18): Comment from lender: Per my UW: There is a cash flow of the business- per the income worksheet. The liquidity is also greater than 1. | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | 26840657 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-07-28): After further review, exception has been cleared.<br>Buyer Comment (2022-07-27): Lender commentary | 07/28/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | 26840658 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. Loan was approved with a DTI of [redacted]% |  |  |  | Reviewer Comment (2022-07-28): After further review, exception has been cleared.<br>Buyer Comment (2022-07-27): Lender commentary<br>Reviewer Comment (2022-07-22): Provided 1008 and cash flow analysis has been reviewed. Lender grossed up the 100% of the pension income, however we can only gross up the nontaxable part. Lender considered wage income from the business [redacted] and provided [redacted] W-2. There is no [redacted] YTD paystub present in file. [redacted] YTD income for the business [redacted], Inc is lesser than the [redacted] tax return income therefore being conservative lesser income from [redacted] has been used for now. Provide [redacted] ytd paystub for [redacted]. Exception remains.<br>Buyer Comment (2022-07-20): Income Calculation worksheets and docs<br>Buyer Comment (2022-07-20): Lender LOX | 07/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | 26840659 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds Guideline total debt ratio of [redacted]%. |  |  |  | Reviewer Comment (2022-07-28): After further review exception has been cleared.<br>Buyer Comment (2022-07-27): Lender commentary<br>Reviewer Comment (2022-07-22): Provided 1008 and cash flow analysis has been reviewed. Lender grossed up the 100% of the pension income, however we can only gross up the nontaxable part. Lender considered wage income from the business [redacted] and provided [redacted] W-2. There is no [redacted] YTD paystub present in file. [redacted] YTD income for the business [redacted], Inc is lesser than the [redacted] tax return income therefore being conservative lesser income from [redacted] has been used for now. Provide [redacted] ytd paystub for [redacted]. Exception remains.<br>Buyer Comment (2022-07-20): Income Calculation worksheets and docs<br>Buyer Comment (2022-07-20): Lender LOX<br>Reviewer Comment (2022-07-01): Received updated 1003, 1008 and AUS with exclusion of Open 30 Days account from the liability, however this accounts has already been excluded in audit calculation. DTI limit is exceeds due to [redacted] YTD P&L income of Business "[redacted]" is lesser than the [redacted] tax return income therefore being conservative Lesser income has been used for qualification. Also, Buyer overlays ([redacted]) shows [redacted]% of DTI limit, however lender has approved loan with DTI of [redacted]%. Exception Remains.<br>Buyer Comment (2022-06-30): VOE<br>Buyer Comment (2022-06-30): LOX | 07/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | 26840660 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DTI exceeds guideline max of [redacted]%. |  |  |  | Reviewer Comment (2022-07-28): After further review, exception has been cleared.<br>Buyer Comment (2022-07-27): Lender commentary<br>Reviewer Comment (2022-07-22): Provided 1008 and cash flow analysis has been reviewed. Lender grossed up the 100% of the pension income, however we can only gross up the nontaxable part. Lender considered wage income from the business [redacted] and provided [redacted] W-2. There is no [redacted] YTD paystub present in file. [redacted] YTD income for the business [redacted], Inc is lesser than the [redacted] tax return income therefore being conservative lesser income from [redacted] has been used for now. Provide [redacted] ytd paystub for [redacted]. Exception remains.<br>Buyer Comment (2022-07-20): Income Calculation worksheets and docs<br>Buyer Comment (2022-07-20): Lender LOX | 07/28/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | 26840661 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing third party verification for[redacted] and [redacted], PC dated within 10 business days of the note. |  |  |  | Reviewer Comment (2022-07-25): Received CPA letter and businesses are active as per CPA. Exception cleared.<br>Buyer Comment (2022-07-20): CPA Letter<br>Reviewer Comment (2022-07-05): Received third party verification for [redacted]; however, missing third party verification for the S-Corp business [redacted],. File contained copy of borrower personal medical license. Exception is for the business<br>Buyer Comment (2022-06-30): VOE | 07/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | 26840663 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2022-06-27): Sufficient Cure Provided At Closing |  | 06/27/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10250 | 26840679 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-07-15): Per client directive. Closing Instructions reflect coverage amount. | 07/15/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10250 | 26840681 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Property history report states this is a mini warehouse and evidence of insurance not found. |  |  |  | Reviewer Comment (2022-07-20): Cleared<br>Buyer Comment (2022-07-20): Per lender: property is free & clear per property profile - there are no liens so no EOI is required just because it's a mini-warehouse | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10250 | 26840683 |  |  | Credit | Asset | Asset Documentation | Asset | Assets Error: Usability was not provided |  | The lender must perform a business cash flow analysis to confirm that the withdrawal of business funds for this transaction will not have a negative impact on the business. |  |  |  | Reviewer Comment (2022-07-20): Cleared<br>Buyer Comment (2022-07-20): Per Lender: noted proper liquidity/cash flow on income calc, but see attached liquidity worksheet to support use of business assets- operating funds for business not being used to qualify - only the savings account; also, please reiterate to them that average monthly expenses are $[redacted] per P&L & business checking account has well over this plus after closing there is over $[redacted] in business saving<br>Buyer Comment (2022-07-20): Cash flow | 07/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10232 | 26840689 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-07-11): Per client directive. Closing Instructions reflect coverage amount. | 07/11/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10232 | 26840691 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Balance Sheet for S-Corp. not found in the file. |  |  |  | Reviewer Comment (2022-07-19): Received balance sheet for the S-corp. Exception cleared.<br>Buyer Comment (2022-07-18): balance sheet | 07/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10232 | 26840693 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Title-Loan Tie-In Fee was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-07-21): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Buyer Comment (2022-07-20): PCCD, LOE, refund check and shipping label<br>Reviewer Comment (2022-07-13): [redacted] Please provide Settlement Service Provider List to evaluate tolerance category. Exception Remains.<br>Buyer Comment (2022-07-13): Please re-review. LE binding amount was $[redacted]. Borrower shopped for service. |  | 07/21/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10328 | 26908891 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2022-09-14): Per client directive. Closing Instructions reflect coverage amount. | 09/14/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 | 26908919 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | [redacted] required transcripts not found at time of review,[redacted] |  |  |  | Reviewer Comment (2022-09-19): [redacted] Transcripts provided.<br>Buyer Comment (2022-09-16): Transcripts | 09/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 | 26908920 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | [redacted] required transcripts not found at time of review,[redacted] |  |  |  | Reviewer Comment (2022-09-19): [redacted] Transcripts provided. Cleared.<br>Buyer Comment (2022-09-16): Transcripts | 09/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 | 26908923 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-09-19): Loan is SHQM(APOR). | 09/19/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 | 26908924 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | Self-employed borrower - verify the existence of the borrower's business after the Note Date but prior to purchase by [redacted], acceptable per guides. |  |  |  | Reviewer Comment (2022-09-14): Self-employed borrower - verified the existence of the borrower's business after the Note Date but prior to purchase by [redacted], acceptable per guides. | 09/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 | 26908912 |  |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in the file). Unable to determine if appropriate coverage is provided. |  |  |  | Reviewer Comment (2022-09-12): Cleared<br>Buyer Comment (2022-09-12): Please re review, Pg 12 has the correct proposed insured amount<br>Reviewer Comment (2022-09-09): Received Same title commitment which did not reflects Lender insured policy amount and insured to borrowers not acceptable as title coverage for lender. Exception Remains.<br>Buyer Comment (2022-09-08): Ttile | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 | 26908914 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Can be overriden/downgraded by client with compensating factors. | The representative FICO score exceeds the guideline minimum by at least 40 points. | [redacted] versus 700 | SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-09-12): Client elects to waive with compensating factors,<br>Buyer Comment (2022-09-12): Investor exception for DTI. |  |  | 09/12/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | WA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 | 26908915 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Can be overriden/downgraded by client with compensating factors. |  |  |  | Reviewer Comment (2022-09-12): Client elected to waive DTI credit exception and downgrade to Ev2.<br>Buyer Comment (2022-09-12): Investor exception | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 | 26908917 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2022-09-12): Client elected to waive DTI credit exception and downgrade to Ev2. | 09/12/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | WA | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 | 26908918 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Can be overriden/downgraded by client with compensating factors. | The representative FICO score exceeds the guideline minimum by at least 40 points. | [redacted] versus 700 | SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-09-12): Client elected to waive with compensating factors,<br>Buyer Comment (2022-09-12): Investor exception. |  |  | 09/12/2022 | 2 | C | B | C | B | C | B | C | B | C | B |  | WA | Primary | Purchase |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10317 | 26908926 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | 24 month VOR and rent payments not found in the file. |  |  |  | Reviewer Comment (2022-09-16): Received LOX for [redacted] Rental payment and lesser rental payment of $[redacted] on December [redacted] and [redacted]. Exception cleared.<br>Buyer Comment (2022-09-15): LOX<br>Reviewer Comment (2022-09-13): Received Revised 1003 with correction in rental payment along with Monthly payment history from [redacted] to [redacted], however, [redacted] payment is missing. After [redacted] next payment made on [redacted] for [redacted]. Additionally, [redacted] and [redacted] shows lesser rental payment of $[redacted]rovide Clarification along with supporting documents.<br>Buyer Comment (2022-09-12): rental pmts<br>Buyer Comment (2022-09-12): 1003<br>Buyer Comment (2022-09-12): updated 1003 w/updated rental pmt | 09/16/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10317 | 26908928 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Missing required [redacted] Transcripts. |  |  |  | Reviewer Comment (2022-09-07): Received [redacted] and [redacted] W-2 Transcript for [redacted]. Exception Cleared.<br>Buyer Comment (2022-09-06): transcripts | 09/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10317 | 26908929 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Missing required [redacted] Transcripts. |  |  |  | Reviewer Comment (2022-09-13): Received W-2 [redacted] Transcript . Exception Cleared.<br>Buyer Comment (2022-09-12): transcripts | 09/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 | 26908936 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | VOR not found in the file or payments for rent of XXXX per month. <br> 53 months housing history for previous primary residence from [redacted]-[redacted] per the credit report. |  |  |  | Reviewer Comment (2022-09-12): Received bank statements for [redacted] [redacted] and comment regarding the difference in payment has been reviewed. Exception cleared.<br>Buyer Comment (2022-09-09): Per lender: Attached is a record of the September [redacted] rent payment. As per borrower "The reason it doesn't show up is because I only paid $[redacted] after deducting for repairs I paid on her behalf & the report I ran for you was filtered for transactions between $[redacted] & $[redacted] or it would have been many pages longer". Please let me know if you need anything else.<br>Reviewer Comment (2022-09-01): Received bank statements and comment regarding the difference in payment has been reviewed. However provided bank statement is missing the [redacted] payment. Provide document to verify [redacted] payment. Exception remains.<br>Buyer Comment (2022-08-31): Per the Lender: Please see attached rental payments. We circled the Zelle payments that were for the monthly rent. Rents were raised in [redacted] to $[redacted]ere are a number of payments that are not showing the full rent, this is because the landlord/tenant arrangement is that the tenant pays any monthly expenses/repairs on the house and deducts it from the monthly rent. Please let me know if you need anything else. | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 | 26908938 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Appraisal was delivered to borrower is dated [redacted], loan closed [redacted]. Copy of earlier dated appraisal was not provided. |  |  |  | Buyer Comment (2022-08-24): Lender acknowledged non-material EV2.<br>Buyer Comment (2022-08-24): Per Seller: "We would like to rebut the finding with the following commentary to the investor and submit a Collateral Desktop Analysis completed by Clear Capital for the current appraisal. The prior appraisal requested by the investor shown as delivered on[redacted] was not submitted nor considered by our review team and was deemed to be deficient. A 2nd independent appraisal was ordered and was used for collateral consideration. The older appraisal was deficient not for value reasons, but for appraisal quality issues and the failure of the appraiser to represent the property. This report was misleading to the reader as to how this property would compete in the neighborhood. This older appraisal is not relevant to the current loan and was not used for collateral consideration. The deficiencies include: 1. The appraiser used very dated sales from the contract dates and newer sales were available. 2. Sales selected required high net/gross adjustments. Superior sales were available in the neighborhood that were not considered by the appraiser. These sales were considered by our review team as superior, not based on sale price rather based on lower net/gross adjustments and having more similar substitute amenity and utility to the subject. 3. Photos used in this appraisal did not represent the quality of the subject materials with minimal views of counter surfaces, expanded hallways and all items expected in a home of this quality. The home was completely gutted to the studs and rebuilt making it compete with newer homes. 4. Adjustments were not supported within the grid both for positive and negative adjustments. The report did not produce credible results. The current appraisal submitted includes newer sales in time and very low net/gross adjustments. As newer sales are used, less speculative time (market conditions) adjustments are needed to reconcile to the effective date of the appraisal. A CDA was obtained from Clear Capital for the current appraisal. This is included and further supports the estimate of value for the current appraisal. Please waive. Please let me know if you need anything else. Thank you!" |  |  | 08/24/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | NJ | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 | 26908940 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0 on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-08-17): Sufficient Cure Provided At Closing |  | 08/17/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NJ | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 | 26908941 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business funds from [redacted] # [redacted], missing cash flow analysis. |  |  |  | Reviewer Comment (2022-08-24): File has sufficient funds for closing and reserves without business asset. Exception cleared.<br>Buyer Comment (2022-08-23): comment from lender: The borrowers personal fund at the time of closing was $[redacted] which was more then enough to close the loan; Cash flow analysis was not completed as those as while listed on the app were not needed to close the loan. | 08/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NJ | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | 26908942 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure [redacted] on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | Missing seller CD. |  |  |  | Reviewer Comment (2022-08-08): Seller CD Provided.<br>Buyer Comment (2022-08-05): Seller CD | 08/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | 26908943 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least four (4) business days prior to closing. | The LE dated [redacted] was e-signed the day of closing on [redacted] |  |  |  | Reviewer Comment (2022-08-08): LE was sent to borrower electronically.<br>Buyer Comment (2022-08-04): Please cancel. This is invalid. TRID mailbox rule would factor in which would mean that the final LE was presumed received by [redacted] which is more than 3 business days prior to closing, | 08/08/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | 26908945 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No coc provided |  |  |  | Reviewer Comment (2022-08-10): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2022-08-10): LOE, shipping label, refund check and PCCD<br>Reviewer Comment (2022-08-08): [redacted] received COC dated [redacted], for the same was already provided in original file and provided COC dose not contain information related to Transfer taxes. Changed Circumstance did not provide information on change that necessitated the addition of Transfer taxes changed from Seller Paid to borrower paid on CD dated [redacted]. Additional Information on changes is needed to determined fee can be rebaselined or provide sufficient cure.<br>Buyer Comment (2022-08-05): Transfer tax COC |  | 08/10/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | 26908946 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-08-10): Received Final Title Policy Report. Exception cleared. | 08/10/2022 |  |  | 1 | A | A | A | A | A | A | A | A | A | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | 26908947 |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $[redacted] of title insurance coverage; however, this is less than the loan amount of $[redacted]Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-08-09): Received Final Title Policy reflecting policy amount as $[redacted]xception cleared.<br>Buyer Comment (2022-08-08): Title Policy | 08/09/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | 26908948 |  |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | VOR in file is from a private party. When VOR is not completed by a professional management company, 24 months bank statements or canceled checks are required. |  |  |  | Reviewer Comment (2022-09-22): After further review, exception has been cleared.<br>Buyer Comment (2022-09-21): comment from lender: Please see attached documentation. Pages 1-5 are the signed rent free letters and VOR. Pages 6-19 are the revised 1003s previously provided. Page 20 explains B1's housing history from the time she sold her previous residence and supporting documentation follows. This should suffice to clear.<br>Reviewer Comment (2022-09-16): Provided Letter of Explanation confirming Borrowers was staying rent free, however, its not signed by the owner, Please provide signed copy of Explanation letter, additional,[redacted] sold the property [redacted] on [redacted], [redacted] per the fraud report and moved to[redacted] from [redacted], please provide document to verify the [redacted] housing history, Exception remains.<br>Buyer Comment (2022-09-15): LOX<br>Buyer Comment (2022-09-15): Lender's comment: See revised 1003s, Rent Free Letters and VOR from B2s apartment rental. This should be sufficient to clear.<br>Reviewer Comment (2022-09-13): There is a monthly rent ,as per 1003 and VOR in file . However borrower was staying as rent free as per the letter and letter is not signed. Provide signed letter. Exception remains.<br>Buyer Comment (2022-09-12): rent free | 09/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10344 | 26931797 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 Income Worksheet not found in the file. |  |  |  | Reviewer Comment (2022-09-30): Received income worksheet. Exception cleared.<br>Buyer Comment (2022-09-29): income calc | 09/30/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | IL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931820 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines. |  |  |  | Reviewer Comment (2022-08-24): Received fraud report. Exception cleared.<br>Buyer Comment (2022-08-24): fraud | 08/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931822 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]Provide updated policy reflecting minimum coverage of $[redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-09-07): Received email confirmation from insurance agent regarding RCE. Exception cleared.<br>Buyer Comment (2022-09-06): HOI<br>Buyer Comment (2022-09-06): HOI-guidelines<br>Buyer Comment (2022-09-06): Agent email included stating replacement cost | 09/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931824 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines. |  |  |  | Reviewer Comment (2022-08-24): Received fraud report. Exception cleared.<br>Buyer Comment (2022-08-24): fraud; duplicate exception | 08/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931827 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of [redacted] mortgage payment, 24 most recent history is required, |  |  |  | Reviewer Comment (2022-09-13): Received lox regarding the temporary stay. Exception cleared.<br>Buyer Comment (2022-09-12): temp living letter LOX<br>Reviewer Comment (2022-08-30): Received Payment history of Sold primary property. Previous primary Property was sold on [redacted] and subject transaction closed on [redacted]. Please provided explanation along with supporting document for residential payment history from [redacted] to [redacted]. Exception remains.<br>Buyer Comment (2022-08-29): Pmt history 2<br>Buyer Comment (2022-08-29): Pmt history | 09/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931828 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing income worksheet/cash flow analysis. |  |  |  | Reviewer Comment (2022-08-24): Received cash flow analysis. Exception cleared.<br>Buyer Comment (2022-08-24): income worksheet | 08/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931829 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided at closing |  |  |  | Reviewer Comment (2022-08-18): Sufficient Cure Provided At Closing |  | 08/18/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | 26931830 |  |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | New exception as a result of new document received. Provide fraud report with all red flags are addressed. |  |  |  | Reviewer Comment (2022-09-02): Received fraud report with all red flags are addressed. Exception cleared.<br>Buyer Comment (2022-09-01): fraud<br>Reviewer Comment (2022-08-30): Received same fraud report which is already present in the file and high alerts are still not addressed. Exception remains.<br>Buyer Comment (2022-08-29): updated data verify | 09/02/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 | 27035286 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Fee Amount of $[redacted] exceeds tolerance of $[redacted]. No coc provided |  |  |  | Reviewer Comment (2022-10-13): [redacted] received LOE/attestation that confirms borrower shopped for the survey fee.<br>Buyer Comment (2022-10-12): SSPL<br>Buyer Comment (2022-10-12): Lender explanation/rebuttal<br>Reviewer Comment (2022-10-12): [redacted] is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.<br>Buyer Comment (2022-10-11): Please re-evaluate. This is a shoppable service that should not be subject to any fee tolerance. | 10/13/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 | 27035287 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA Disaster area post-close. There is no end declared date for the disaster as of yet. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | Reviewer Comment (2022-10-12): PDI provided. Cleared.<br>Buyer Comment (2022-10-12): Appraisal Update Completion Report | 10/12/2022 |  |  | 1 | C | A | C | A | C | A | B | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 | 27035288 |  |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $[redacted]Provide updated policy reflecting minimum coverage of $ OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-10-14): Insurer confirmed ERC<br>Buyer Comment (2022-10-13): The LOX from the insurance agent confirmed the HOI policy is set up on a 100% replacement cost. Property is in the state of Florida and a RCE can not be provided.<br>Reviewer Comment (2022-10-12): HOI coverage is insufficient by $[redacted] Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception remains.<br>Buyer Comment (2022-10-12): LOX | 10/14/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 | 27035290 |  |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | File was missing a copy of the Fraud report |  |  |  | Reviewer Comment (2022-10-12): Fraud Reports provided. Cleared.<br>Buyer Comment (2022-10-12): Fraud Report | 10/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 | 27035291 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus 10% or $[redacted]. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $[redacted] due to increase of settlement, courier and endorsement fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2022-10-12): After further review, exception has been cleared.<br>Buyer Comment (2022-10-12): Fee is shoppable. Borrower did not select from SSPL. Please review. | 10/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10311 | 27035306 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File was missing a copy of the income worksheet. |  |  |  | Reviewer Comment (2022-10-03): Income calculation worksheets provided. Cleared.<br>Buyer Comment (2022-10-03): Income Calculations<br>Reviewer Comment (2022-09-30): Provided income worksheet is not for Borrower: [redacted] or Co Borrower: [redacted], Please provide corrected income worksheet for review. Exception remains.<br>Buyer Comment (2022-09-29): 1084 form | 10/03/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | LA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10115 | 27035332 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Provide Balance Sheets for [redacted], [redacted], [redacted], [redacted], [redacted] and [redacted], as well as Third Party Verification for [redacted]. |  |  |  | Reviewer Comment (2022-10-07): LOX for P&L provided,<br>Buyer Comment (2022-10-07): Signed LOX from borrower.<br>Reviewer Comment (2022-10-03): LOX is noted, however, borrower needs to confirm the P&L and Balance Sheets align with bank statements provided thru[redacted]. Guides require P&L, Balance Sheets and Bank Statement dates to align for proper testing.<br>Buyer Comment (2022-09-29): Borrower LOX<br>Reviewer Comment (2022-09-01): [redacted] provided but is dated through [redacted], Also the [redacted] YTD P&L is through [redacted]. [redacted], no new [redacted] was provided, missing [redacted] YTD[redacted], also, the TYD P&L is dated through Dec [redacted]. [redacted] provided is through [redacted],also the YTD P&L is dated through [redacted]/ [redacted] provided is dated through [redacted], Also the YTD P&L is dated through [redacted]. [redacted]. YTD [redacted] provided is dated through [redacted], Also the YTD P&L is dated through [redacted]. [redacted] provided is dated through[redacted], Also the YTD P&L is dated through [redacted]<br>Buyer Comment (2022-09-01): [redacted] balance sheet dated[redacted]. FYI we have a problem the YTD P & L are dated though [redacted]. Note is[redacted]. P &L's cant go past the date of origination, Please advise<br>Reviewer Comment (2022-08-01): Received [redacted] Balance sheet through [redacted], Please provide YTD [redacted] Balance Sheets for [redacted], [redacted], [redacted], [redacted], [redacted] and [redacted], Need Balance Sheets matching corresponding P&L YTD dates. Exception remains.<br>Buyer Comment (2022-07-29): Balance Sheets<br>Reviewer Comment (2022-07-26): Balance sheets provided are all dated [redacted] and reflect as of [redacted]. Need balance sheets matching corresponding P&L dates. Balances Sheets must be good through [redacted] and also need for the corresponding YTD dated P&L for each entity.<br>Buyer Comment (2022-07-25): Balance sheets<br>Reviewer Comment (2022-06-17): Third party verification received. Still pending Balance Sheets for [redacted], [redacted] [redacted], [redacted] [redacted] and [redacted].<br>Buyer Comment (2022-06-16): Third Party verification for Elite Hart LLC | 10/07/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Refinance - Cash-out - Other |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045464 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | [redacted]% Max DTI per [redacted] overlays. |  |  |  | Reviewer Comment (2022-10-24): Updated Tax Certificate provided. Cleared.<br>Buyer Comment (2022-10-24): See upload re taxes<br>Reviewer Comment (2022-10-21): Utilizing Income and PITI provided DTI is [redacted]%. Still exceeds [redacted] maximum of 43%. Exception remains.<br>Buyer Comment (2022-10-20): LOX - payment has not changed as borrower was not escrowing taxes and insurance at closing - updated docs provided previously updated VOE and revised AUS.<br>Reviewer Comment (2022-09-23): Please provide PCCD and Letter of Explanation justifying Lenders commentary regarding mortgage payment and escrows.<br>Buyer Comment (2022-09-23): comment from lender: the borrower is not escrowing taxes and insurance, adjustment made to mortgage payment amount which brought DTI back in line | 10/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045468 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2022-10-11): Verification of appraisal receipt provided. Cleared.<br>Buyer Comment (2022-10-11): Appraisal delivery | 10/11/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045469 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [redacted]% moderately exceeds the guideline maximum of [redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2022-10-24): Updated Tax Certificate provided. Cleared.<br>Buyer Comment (2022-10-24): Per Lender: The PITIA you are using is overstated. Please see attached tax information sheet - qualifying PITIA is $[redacted]<br>Reviewer Comment (2022-10-21): Utilizing Income and PITI provided DTI is [redacted]%. Still exceeds [redacted] maximum of 43%. Exception remains.<br>Buyer Comment (2022-10-20): LOX - payment has not changed as borrower was not escrowing taxes and insurance at closing - updated docs provided previously updated VOE and revised AUS.<br>Reviewer Comment (2022-09-23): Please provide PCCD and Letter of Explanation justifying Lenders commentary regarding mortgage payment and escrows.<br>Buyer Comment (2022-09-23): comment from lender: the borrower is not escrowing taxes and insurance, adjustment made to mortgage payment amount which brought DTI back in line | 10/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045472 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-10-24): Updated Tax Certificate provided. Cleared. | 10/24/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045473 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Maximum DTI [redacted]% per [redacted] V10 Overlays. |  |  |  | Reviewer Comment (2022-10-24): Updated Tax Certificate provided. Cleared.<br>Buyer Comment (2022-10-24): Per Lender: The PITIA you are using is overstated. Please see attached tax information sheet - qualifying PITIA is $[redacted]<br>Reviewer Comment (2022-10-21): Utilizing Income and PITI provided DTI is [redacted]%. Still exceeds [redacted] maximum of 43%. Exception remains.<br>Buyer Comment (2022-10-20): LOX - payment has not changed as borrower was not escrowing taxes and insurance at closing - updated docs provided previously updated VOE and revised AUS.<br>Reviewer Comment (2022-09-23): Please provide PCCD and Letter of Explanation justifying Lenders commentary regarding mortgage payment and escrows.<br>Buyer Comment (2022-09-23): comment from lender: the borrower is not escrowing taxes and insurance, adjustment made to mortgage payment amount which brought DTI back in line | 10/24/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045474 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. | Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $[redacted] is less than amount of binding Lender Credit previously disclosed in the amount of $[redacted]. Valid COC not provided. |  |  |  | Reviewer Comment (2022-10-20): [redacted] received VCC.<br>Buyer Comment (2022-10-18): Please see uploaded LOE, PCCD, refund check and tracking for remaining open conditions<br>Reviewer Comment (2022-10-13): COC is noted, this will be cleared when all other remaining open tolerance exceptions have been remedied<br>Buyer Comment (2022-10-12): COC<br>Reviewer Comment (2022-09-21): COC must be specific and refer to exact costs affected by change.<br>Buyer Comment (2022-09-21): There is a COC for the loan amount change that occurred on the LE[redacted] see D0340 & D0328 | 10/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045475 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Cure provided at closing, this exception will be cured when all other tolerance issues are addressed. |  |  |  | Reviewer Comment (2022-10-19): Cure provided at closing<br>Buyer Comment (2022-10-18): Please see uploaded LOE, PCCD, refund check and tracking | 10/19/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045476 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Initial LE's have one fee stated as recording and other taxes and do not break down the recording fee and transfer fees for baseline testing. Insufficient or no cure was provided to the borrower. Valid COC not provided. |  |  |  | Reviewer Comment (2022-10-19): Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD provided. Cured.<br>Buyer Comment (2022-10-19): Tracking update for cure docs<br>Reviewer Comment (2022-10-19): [redacted] received PCCD, LOE, Copy of check and proof of mailing. FedExtracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.<br>Buyer Comment (2022-10-18): LOE, PCCD, refund check and tracking |  | 10/19/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045477 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA Disaster area post-close. There is no end declared date for the disaster as of yet. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | Reviewer Comment (2022-10-17): Clear inspection report provided. Cleared.<br>Buyer Comment (2022-10-14): PDI | 10/17/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | 27045478 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. | Escrowed Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  | Reviewer Comment (2022-10-24): Letter of Explanation & Corrected Closing Disclosure provided. Cured. |  | 10/24/2022 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10376 | 27489672 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure did not disclose Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of [redacted] on Final Closing Disclosure provided on [redacted] not accurate. |  |  |  |  | Reviewer Comment (2022-11-17): Calculated using 11 month<br>Buyer Comment (2022-11-16): Please re-evaluate. The lender calculated year 1 property costs at 11 months | 11/17/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10376 | 27489674 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final CD failed to disclose reason for no escrow account. |  |  |  | Reviewer Comment (2022-11-20): [redacted] received Post Cd and LOX.<br>Buyer Comment (2022-11-18): LOE to borrower<br>Reviewer Comment (2022-11-18): Reopened due to LOX being required.<br>Reviewer Comment (2022-11-17): PCCD provided<br>Buyer Comment (2022-11-17): Corrected PCCD |  | 11/20/2022 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10376 | 27489675 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | 1040 transcripts not found at time of review, [redacted] |  |  |  | Reviewer Comment (2022-11-21): [redacted] Transcripts for B1 provided. Cleared.<br>Buyer Comment (2022-11-21): [redacted] transcripts<br>Reviewer Comment (2022-11-16): Please provide the [redacted] transcripts for [redacted]. [redacted] received.<br>Buyer Comment (2022-11-16): [redacted] Transcripts for [redacted] | 11/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489692 |  |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Rate lock not found at time of review, [redacted] |  |  |  | Reviewer Comment (2022-11-15): Rate lock received. Cleared<br>Buyer Comment (2022-11-14): rate lock attached<br>Reviewer Comment (2022-11-10): Rate lock was not received.<br>Buyer Comment (2022-11-10): lock uploaded | 11/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489694 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | Hurricane Ian disaster end date not provided |  |  |  | Reviewer Comment (2022-11-15): Appraisal states no damage from hurricane IAN.<br>Buyer Comment (2022-11-14): Page 2 of 2 of the addendum addresses no damage from [redacted] (Pg 991) | 11/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489695 |  |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Bridge loan note and terms not found at time of review. Borrower disclosed $[redacted] monthly obligation on loan obligation with Absolute. Amount included in ratios, subject to verification. |  |  |  | Reviewer Comment (2022-11-15): Cleared. Bridge loan docs received.<br>Buyer Comment (2022-11-14): loan docs attached | 11/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489696 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Missing Business transcripts for [redacted] or personal 1040 transcripts for [redacted]. |  |  |  | Reviewer Comment (2022-11-10): Transcripts received. Cleared | 11/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489697 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | Missing Business transcripts for [redacted] or personal 1040 transcripts for [redacted]. |  |  |  | Reviewer Comment (2022-11-10): Transcripts received. Cleared. | 11/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489698 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-11-18): Cleared | 11/18/2022 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489700 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | The [redacted] 1040 transcripts not found at time of review. |  |  |  | Reviewer Comment (2022-11-10): Transcripts received. Cleared<br>Buyer Comment (2022-11-10): [redacted] Transcripts | 11/10/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489701 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Bridge loan used for asset for qualifying, missing evidence of receipt and source of these assets. |  |  |  | Reviewer Comment (2022-11-18): Wire confirmation received. Cleared<br>Buyer Comment (2022-11-17): asset wire from title co | 11/18/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489702 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Third party verification not dated within 10-days of closing for [redacted] and [redacted]. Verifications in file both dated over 30-days prior to closing. |  |  |  | Reviewer Comment (2022-11-15): Cleared. VOB provided.<br>Buyer Comment (2022-11-14): VOB | 11/15/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | 27489703 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure was provided at closing |  |  |  | Reviewer Comment (2022-11-09): Sufficient Cure Provided At Closing |  | 11/09/2022 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10300 | 27490006 |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Incorrect RTC used. Should have used H-9 not H-8. Grade 2 for informational purpose |  |  |  | Reviewer Comment (2022-10-26): After further review, exception has been cleared.<br>Buyer Comment (2022-10-26): Please re-review - The Note reflects [redacted] and commitment reflects prior lienholder as [redacted]. H-8 form for new creditor is accurate. | 10/26/2022 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10300 | 27490007 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | No change of circumstance in file that speaks to Transfer Tax. Lender provided a cure of $[redacted] at closing versus $[redacted] required. Please provide evidence of additional $[redacted] cure provided to borrower. |  |  |  | Reviewer Comment (2022-10-25): After further review, exception has been cleared.<br>Buyer Comment (2022-10-25): Please re-evaluate. Cure provided at closing (disclosed on final CD dated [redacted]22) | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10300 | 27490010 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-10-25): Sufficient Cure Provided At Closing |  | 10/25/2022 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | MN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10342 | 27490066 |  |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | [redacted] checking account statement not found at time of review, unable to confirm the source of the EMD's |  |  |  | Reviewer Comment (2022-10-25): EMD Sources provided. Cleared.<br>Buyer Comment (2022-10-25): EMD and Large Deposit Information<br>Buyer Comment (2022-10-25): WF statement | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10342 | 27490068 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | Statement for [redacted] checking account [redacted] not found at time of review, claimed balance per final 1003 $[redacted], [redacted] |  |  |  | Reviewer Comment (2022-10-25): EMD Statements and checks provided. Cleared.<br>Buyer Comment (2022-10-25): EMD uploaded with WF bank statement | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10342 | 27490071 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Reserves not verified due to missing [redacted] checking account statement, [redacted] |  |  |  | Reviewer Comment (2022-10-25): Statements provided. Cleared. | 10/25/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532846 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing HOA verification for REO property located at [redacted]. |  |  |  | Reviewer Comment (2022-09-22): After further review, and receipt of corrected 1003 and Property Report, exception has been cleared.<br>Buyer Comment (2022-09-22): The $[redacted] payment must be an error. There is no HOA on [redacted]. See revised 1003<br>Reviewer Comment (2022-09-12): There is no HOA as per property report. There is an other payment of $[redacted] in 1003. Provide document to evidence the other payment of $[redacted]xception remains.<br>Buyer Comment (2022-09-09): SFR - no hoa (see pg 3 of attachment) | 09/22/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532847 |  |  | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Policy expiration date not provided. |  | Flood Insurance policy expiration date was not provided. |  |  |  | Reviewer Comment (2022-09-12): Received Flood Insurance with expiration date. Exception cleared.<br>Buyer Comment (2022-09-09): Flood w/exp date | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532848 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of[redacted] on Final Closing Disclosure provided on [redacted] not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $8,112 on page 4; however the HOA dues total $[redacted] per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $[redacted] monthly, correct amount is $[redacted]. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-09-19): [redacted] received Post CD and LOX.<br>Buyer Comment (2022-09-19): LOE to borrower<br>Reviewer Comment (2022-09-08): [redacted] Received corrected PCCD; however, LOE not provided. Provide LOE describing the changes made on PCCD<br>Buyer Comment (2022-09-07): PCCD |  | 09/19/2022 |  | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532849 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash flow analysis not provided for both business accounts ending in XXXX and XXXX, unable to confirm impact on use of business funds. |  |  |  | Reviewer Comment (2022-09-20): Sufficient CPA letter provided. Cleared.<br>Buyer Comment (2022-09-20): Cash flow analysis- [redacted]<br>Reviewer Comment (2022-09-12): Received cash flow analysis for the business account #[redacted]. Provide Cash flow analysis for business accounts ending in [redacted], Exception remains.<br>Buyer Comment (2022-09-09): cash flow analysis; note from lender: Cash flow analysis not provided for both business accounts ending in XXXX (included funds to close and 6 mos PITI so investor may not require for both | 09/20/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532850 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational exception and must be waived. Due to tax extension for the business |  |  |  | Buyer Comment (2022-09-02): EV2; business and personal [redacted] extensions in file |  |  | 09/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532851 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational exception and must be waived. Due to tax extension for the business |  |  |  | Buyer Comment (2022-09-02): EV2; business and personal [redacted] extensions in file |  |  | 09/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532852 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational exception and must be waived. Due to tax extension for the business |  |  |  | Buyer Comment (2022-09-02): EV2; business and personal [redacted] extensions in file |  |  | 09/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532853 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational exception and must be waived. Due to tax extension for the business |  |  |  | Buyer Comment (2022-09-02): EV2; business and personal [redacted] extensions in file |  |  | 09/02/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532854 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | This is an EV2 informational exception and must be waived. Due to tax extension for the business |  |  |  | Buyer Comment (2022-12-01): [redacted] business extension provided |  |  | 12/01/2022 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532855 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [redacted] 1040 Extension or transcripts no results. |  |  |  | Reviewer Comment (2022-09-06): Received 1040 [redacted] Extension Exception cleared.<br>Buyer Comment (2022-09-02): 1040 [redacted] extension | 09/06/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532856 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing income analysis worksheet required per guides. |  |  |  | Reviewer Comment (2022-09-12): Received income calculation worksheet. Exception cleared.<br>Buyer Comment (2022-09-09): income | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532857 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The YTD P&L for [redacted] was not signed. |  |  |  | Reviewer Comment (2022-09-12): Received signed and dated YTD P/L statement. Exception cleared.<br>Buyer Comment (2022-09-09): See the lower right corner for signature | 09/12/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532858 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification for [redacted] dated within 10 business days of closing |  |  |  | Reviewer Comment (2022-11-21): CPA letter dated[redacted] received.<br>Buyer Comment (2022-11-18): CPA dated[redacted]<br>Reviewer Comment (2022-09-12): The provided CPA letters are already in file and it is not within 10 business days of note. Provide third party verification for [redacted] dated within 10 business days of closing. Exception remains.<br>Buyer Comment (2022-09-09): CPA letter | 11/21/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532859 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets. 401k statement in file was only 1-month when 2 are required and not utilized. This asset was not used to qualify |  |  |  | Reviewer Comment (2022-12-01): Additional Statement provided. Cleared<br>Buyer Comment (2022-12-01): Additional asset<br>Reviewer Comment (2022-09-12): Business funds can`t use for reserves purpose as per V9 guidelines. Exception remains.<br>Buyer Comment (2022-09-09): comment from lender: This should not be needed since reserves were factored in the cash flow analysis for [redacted] business funds | 12/01/2022 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532860 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. |  | The subject property is located in a FEMA Disaster area post-close. There is no end declared date for the disaster as of yet. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | Reviewer Comment (2022-11-15): 442 received. Cleared<br>Buyer Comment (2022-11-14): 1004D | 11/15/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | 27532861 |  |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster. | Disaster Name: ___; <br> Disaster Declaration Date: ___; <br> Most Recent Disaster End Date: ___ | The property is located in FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage from Hurricane Ian. The inspection must include exterior photos and the property must be re-inspected on or after [redacted] declared end date. |  |  |  | Reviewer Comment (2022-12-06): Sufficient PDI provided. Cleared.<br>Buyer Comment (2022-12-06): Inspection | 12/06/2022 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.04

**Exhibit 99.04**

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| ![](ex99-04_001.jpg) | ![](ex99-04_001.jpg) | ![](ex99-04_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | OBX2023J10006 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10034 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10082 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10012 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10035 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.70 |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10036 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10037 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10104 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10113 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10163 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.40 |
| [redacted] | [redacted] | [redacted] | OBX2023J10201 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10121 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10117 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.20 |
| [redacted] | [redacted] | [redacted] | OBX2023J10175 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10193 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10110 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10176 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.20 |
| [redacted] | [redacted] | [redacted] | OBX2023J10196 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10170 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10212 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10239 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| [redacted] | [redacted] | [redacted] | OBX2023J10223 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 |
| [redacted] | [redacted] | [redacted] | OBX2023J10231 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10108 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10332 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.70 |
| [redacted] | [redacted] | [redacted] | OBX2023J10329 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| [redacted] | [redacted] | [redacted] | OBX2023J10323 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| [redacted] | [redacted] | [redacted] | OBX2023J10240 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10262 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10217 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| [redacted] | [redacted] | [redacted] | OBX2023J10236 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10219 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10250 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| [redacted] | [redacted] | [redacted] | OBX2023J10232 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| [redacted] | [redacted] | [redacted] | OBX2023J10328 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.40 |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10317 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10344 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.10 |
| [redacted] | [redacted] | [redacted] | OBX2023J10311 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10115 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10376 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.40 |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10300 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.30 |
| [redacted] | [redacted] | [redacted] | OBX2023J10342 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  | -1.746% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.50 |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |

---

## Exhibit 99.05

**Exhibit 99.05**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| ![](ex99-05_001.jpg) | ![](ex99-05_001.jpg) | ![](ex99-05_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** | **Run Date - 1/26/2023 1:41:27 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** |
| [redacted] | [redacted] | [redacted] | OBX2023J10004 | Safe Harbor QM (43-Q) |  | Yes | No | $11299.21 | $9039.91 |  | 3.573% | XXXX | XXXX | 3.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11224.49 | 1 | $6999.96 | $3491.04 |  |  |  |  |  | 41.374% | 41.374% | 41.374% | 06/01/2021 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $11299.21 |  | 3.000% | $0.00 | 2.6 |  |  |  | N/A |  | 3.500% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $62903.21 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10006 | Safe Harbor QM (43-Q) |  | Yes | No | $13941.25 | $14861.57 |  | 3.073% | XXXX | XXXX | 2.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10928.64 | 1 | $5266.92 | $2387.04 |  |  |  |  |  | 30.722% | 30.722% | 30.722% | 07/26/2021 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $13941.25 |  | 2.830% | $0.00 |  |  |  |  | N/A | No | 2.875% | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $169880.80 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10012 | Safe Harbor QM (43-Q) |  | Yes | No | $895.00 | $2819.90 |  | 3.011% | XXXX | XXXX | 3.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $11835.34 | 1 | $19998.48 | $2394.96 |  |  |  |  |  | 35.866% | 35.866% | 35.866% | 12/12/2021 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $895.00 |  | 2.910% | $100.00 |  |  |  |  | No | No | 3.000% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $474594.35 | 39.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10018 | Safe Harbor QM (43-Q) |  | Yes | No | $3122.32 | $3849.76 |  | 3.286% | XXXX | XXXX | 3.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10531.28 | 1 | $11040.00 | $4253.04 |  |  |  |  |  | 41.922% | 41.922% | 41.922% | 09/24/2021 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Account Statements - Personal - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040-ES - 2020<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040-ES - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $3122.32 |  | 2.920% | $0.00 |  |  |  |  | N/A | No | 3.250% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $309251.46 | 31.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10019 | Safe Harbor QM (APOR) |  | Yes | No | $2970.00 | $4068.77 |  | 3.037% | XXXX | XXXX | 3.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9529.30 | 1 | $8696.40 | $3615.84 |  |  |  |  |  | 36.798% | 36.798% | 36.798% | 09/01/2021 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Transcripts - No Results Returned (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - No Results Returned - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $2970.00 |  | 2.930% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 3.000% | 3 |  | 2 | 0 | 3 | 2 |  |  | 20.07 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $94989.51 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10034 | Safe Harbor QM (APOR) |  | Yes | No | $1469.00 | $4349.89 |  | 3.519% | XXXX | XXXX | 3.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12526.78 | 1 | $5779.92 | $1667.04 |  |  |  |  |  | 30.591% | 30.591% | 30.591% | 12/14/2021 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1469.00 |  | 3.160% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 3.500% | 1 | 1 | 1 | 0 | 3 | 1 |  |  | 22.97 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $602945.30 | 50.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10035 | Safe Harbor QM (APOR) |  | Yes | No | $695.00 | $1201.52 |  | 3.258% | XXXX | XXXX | 3.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14675.63 | 1 | $1995.96 | $2253.00 |  |  |  |  |  | 35.961% | 35.961% | 35.961% | 10/08/2021 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $695.00 |  | 3.160% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 3.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $447814.01 | 33.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10082 | Safe Harbor QM (APOR) |  | Yes | No | $1281.00 | $1716.94 |  | 3.383% | XXXX | XXXX | 3.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19593.56 | 1 | $14433.48 | $11736.00 |  |  |  |  |  | 31.200% | 31.200% | 31.200% | 12/08/2021 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1281.00 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 3.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $972072.74 | 75.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10036 | Safe Harbor QM (APOR) |  | Yes | No | $27214.23 | $29841.27 |  | 3.326% | XXXX | XXXX | 3.125% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11765.28 | 1 | $9009.96 | $564.00 |  |  |  |  |  | 42.815% | 42.815% | 42.815% | 11/17/2021 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $27214.23 |  | 3.160% | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | 3.125% | 2 | 1 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $152384.22 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10037 | Safe Harbor QM (APOR) |  | Yes | No | $7633.93 | $10872.80 |  | 3.298% | XXXX | XXXX | 3.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17504.09 | 1 | $6752.28 | $5661.00 |  |  |  |  |  | 39.709% | 39.709% | 39.709% | 01/24/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $7633.93 |  | 3.170% | $0.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | 3.250% | 2 | 2 | 2 | 0 | 3 | 1 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $1373091.99 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10079 | Safe Harbor QM (APOR) |  | Yes | No | $0.00 | $950.41 |  | 3.503% | XXXX | XXXX | 3.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40949.04 | 1 | $10844.40 | $4897.56 |  |  |  |  |  | 17.660% | 17.660% | 17.660% | 10/21/2021 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] |  |  | 3.160% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 3.500% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $139295.54 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10099 | Safe Harbor QM (APOR) |  | Yes | No | $15583.92 | $20501.00 |  | 4.115% | XXXX | XXXX | 4.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16711.04 | 1 | $15554.76 | $13809.96 |  |  |  |  |  | 39.035% | 39.035% | 39.035% | 01/25/2022 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $15583.92 |  | 3.960% | $0.00 | 1.3 | LP / LPA |  | Accept | N/A | No | 4.000% | 0 |  | 1 | 0 | 5 | 2 |  |  | 13.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $81527.86 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10104 | Safe Harbor QM (APOR) |  | Yes | No | $10780.00 | $11447.30 |  | 4.357% | XXXX | XXXX | 4.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27657.24 | 1 | $18664.08 | $7975.68 |  |  |  |  |  | 39.115% | 39.115% | 39.115% | 03/10/2022 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $10780.00 |  | 4.230% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 4.250% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $765634.75 | 64.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10107 | Safe Harbor QM (APOR) |  | Yes | No | $4590.00 | $7684.89 |  | 4.808% | XXXX | XXXX | 4.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $33742.85 | 1 | $12851.04 | $3282.96 |  |  |  |  |  | 33.106% | 33.106% | 33.106% | 03/03/2022 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $4590.00 |  | 5.070% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 4.750% | 2 |  | 2 | 0 | 3 | 2 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $284294.20 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10108 | Safe Harbor QM (APOR) |  | Yes | No | $22395.00 | $23262.52 |  | 5.088% | XXXX | XXXX | 4.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11109.39 | 1 | $3893.04 | $1385.04 |  |  |  |  |  | 33.034% | 33.034% | 33.034% | 03/03/2022 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Transcripts - No Results Returned (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $22395.00 |  | 3.960% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 4.875% | 2 | 1 | 1 | 0 | 3 | 1 |  |  | 15.97 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $41393.17 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10110 | Safe Harbor QM (APOR) |  | Yes | No | $11895.00 | $10041.68 |  | 4.908% | XXXX | XXXX | 4.750% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | $8345.38 | 1 | $5939.04 | $939.96 |  |  |  |  |  | 38.741% | 38.741% | 38.741% | 03/30/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $11895.00 |  | 4.490% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 4.750% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $132268.98 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10113 | Safe Harbor QM (APOR) |  | Yes | No | $6468.13 | $9208.99 |  | 5.090% | XXXX | XXXX | 5.000% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33170.08 | 1 | $2825.16 | $2499.96 |  |  |  |  |  | 36.313% | 36.313% | 36.313% | 04/29/2022 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $6468.13 |  | 4.740% | $5000.00 | 2 | DU |  | ApproveIneligible | N/A | No | 5.000% | 0 | 2 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $817467.58 | 91.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10115 | Safe Harbor QM (APOR) |  | Yes | No | $14670.00 | $16698.38 |  | 5.285% | XXXX | XXXX | 5.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14981.49 | 1 | $559.92 | $6102.96 |  |  |  |  |  | 30.625% | 30.625% | 30.625% | 04/08/2022 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $14670.00 |  | 4.740% | $0.00 | 4.4 | LP / LPA |  | Accept | No | No | 5.125% | 0 |  | 2 | 0 | 3 | 2 |  |  | 16.73 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $410690.34 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10117 | Safe Harbor QM (APOR) |  | Yes | No | $1150.00 | $2851.09 |  | 4.521% | XXXX | XXXX | 4.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25624.59 | 1 | $22344.96 | $2880.00 |  |  |  |  |  | 40.657% | 40.657% | 40.657% | 04/07/2022 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1150.00 |  | 4.740% | $500.00 | 1.2 | DU |  | ApproveEligible | N/A | No | 4.500% | 3 |  | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $838615.44 | 66.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10119 | Safe Harbor QM (APOR) |  | Yes | No | $7366.00 | $11573.12 |  | 5.623% | XXXX | XXXX | 5.500% | No | Yes | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17348.38 | 1 | $12437.52 | $1916.04 |  |  |  |  |  | 35.328% | 35.328% | 35.328% | 02/03/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $7366.00 |  | 4.790% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 5.500% | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $304347.03 | 31.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10121 | Safe Harbor QM (APOR) |  | Yes | No | $7305.00 | $9032.55 |  | 4.943% | XXXX | XXXX | 4.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $14099.54 | 1 | $4326.36 | $4205.04 |  |  |  |  |  | 42.758% | 42.758% | 42.758% | 04/05/2022 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $7305.00 |  | 4.790% | $0.00 | 3.5 | LP / LPA |  | Accept | N/A | No | 4.875% | 0 |  | 1 | 0 | 3 | 0 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $514705.14 | 40.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10123 | Safe Harbor QM (APOR) |  | Yes | No | $1746.34 | $4698.30 |  | 5.269% | XXXX | XXXX | 5.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14656.53 | 1 | $2689.44 | $2242.20 |  |  |  |  |  | 40.391% | 40.391% | 40.391% | 03/24/2022 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1746.34 |  | 5.070% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 5.250% | 1 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $142749.35 | 9.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10147 | Safe Harbor QM (APOR) |  | Yes | No | $30842.50 | $31505.34 |  | 5.633% | XXXX | XXXX | 5.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12507.39 | 1 | $20462.04 | $2855.04 |  |  |  |  |  | 42.433% | 42.433% | 42.433% | 04/12/2022 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $30842.50 |  | 5.070% | $0.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | 5.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 15.97 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $451120.69 | 32.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10149 | Safe Harbor QM (APOR) |  | Yes | No | $17489.16 | $21564.86 |  | 5.605% | XXXX | XXXX | 5.375% | No | Yes | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16336.62 | 1 | $17295.00 | $1908.96 |  |  |  |  |  | 35.645% | 35.645% | 35.645% | 06/02/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $17489.16 |  | 5.070% | $4942.00 | 1 | DU |  | ApproveIneligible | N/A | No | 5.375% | 3 | 3 | 0 | 0 | 5 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $652092.06 | 47.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10163 | Safe Harbor QM (APOR) |  | Yes | No | $695.00 | $2064.29 |  | 5.522% | XXXX | XXXX | 5.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24795.09 | 1 | $15125.04 | $1163.04 |  |  |  |  |  | 22.717% | 22.717% | 22.717% | 03/14/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $695.00 |  | 5.170% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 5.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $2167899.62 | 100.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10201 | Safe Harbor QM (APOR) |  | Yes | No | $5700.00 | $7171.25 |  | 5.702% | XXXX | XXXX | 5.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15424.57 | 1 | $3868.20 | $2654.04 |  |  |  |  |  | 24.737% | 24.737% | 24.737% | 05/10/2022 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $5700.00 |  | 5.350% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 5.625% | 1 | 3 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $169778.45 | 18.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10170 | Safe Harbor QM (APOR) |  | Yes | No | $10845.00 | $12930.63 |  | 5.499% | XXXX | XXXX | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19396.39 | 1 | $12732.00 | $2699.04 |  |  |  |  |  | 32.099% | 32.099% | 32.099% | 04/13/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $10845.00 |  | 5.350% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 5.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $72240.66 |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10175 | Safe Harbor QM (APOR) |  | Yes | No | $5630.00 | $6645.96 |  | 5.320% | XXXX | XXXX | 5.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7425.47 | 1 | $2487.60 | $1896.96 |  |  |  |  |  | 42.513% | 42.513% | 42.513% | 04/20/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $5630.00 |  | 5.350% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 5.250% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $519220.41 | 53.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10176 | Safe Harbor QM (APOR) |  | Yes | No | $10815.16 | $14615.66 |  | 5.701% | XXXX | XXXX | 5.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33539.26 | 1 | $18848.28 | $11548.92 |  |  |  |  |  | 25.468% | 25.468% | 25.468% | 04/05/2022 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $10815.16 |  | 4.790% | $20000.00 | 4.2 | DU |  | ApproveIneligible | N/A | No | 5.625% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $724109.70 | 39.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10180 | Safe Harbor QM (APOR) |  | Yes | No | $13871.88 | $20357.51 |  | 5.726% | XXXX | XXXX | 5.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22366.25 | 1 | $24375.00 | $2928.00 |  |  |  |  |  | 40.873% | 40.873% | 40.873% | 04/08/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2019<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2021<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2020<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2021<br> [Borrower - \| Non-Primary Income - Annuity]; 1099 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $13871.88 |  | 5.350% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 5.625% | 1 |  | 1 | 0 | 3 | 1 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $596094.04 | 31.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10193 | Safe Harbor QM (APOR) |  | Yes | No | $1199.00 | $4510.29 |  | 5.514% | XXXX | XXXX | 5.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19680.66 | 1 | $17492.52 | $2456.04 |  |  |  |  |  | 31.146% | 31.146% | 31.146% | 02/18/2022 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1199.00 |  | 5.180% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 5.500% | 0 | 3 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $904058.43 | 56.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10196 | Safe Harbor QM (APOR) |  | Yes | No | $1295.00 | $3077.50 |  | 5.640% | XXXX | XXXX | 5.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18161.61 | 1 | $16116.00 | $3627.96 |  |  |  |  |  | 42.279% | 42.279% | 42.279% | 05/23/2022 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1295.00 |  | 5.180% | $0.00 | 4.3 | DU |  | ApproveIneligible | N/A | No | 5.625% | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $1360049.56 | 99.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10212 | Safe Harbor QM (APOR) |  | Yes | No | $4808.80 | $10035.58 |  | 5.845% | XXXX | XXXX | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17401.41 | 1 | $14375.04 | $4118.04 |  |  |  |  |  | 35.749% | 35.749% | 35.749% | 05/04/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $4808.80 |  | 5.160% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 5.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $339493.58 | 30.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10213 | Safe Harbor QM (APOR) |  | Yes | No | $5020.00 | $6925.03 |  | 5.962% | XXXX | XXXX | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17109.76 | 1 | $7150.08 | $1574.04 |  |  |  |  |  | 37.276% | 37.276% | 37.276% | 07/18/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $5020.00 |  | 5.310% | $0.00 | 2.8 | DU |  | ApproveEligible | N/A | No | 5.875% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $249282.97 | 28.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10217 | Safe Harbor QM (APOR) |  | Yes | No | $13454.18 | $13863.53 |  | 6.259% | XXXX | XXXX | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8951.75 | 1 | $6278.64 | $1125.96 |  |  |  |  |  | 40.024% | 40.024% | 40.024% | 06/06/2022 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $13454.18 |  | 5.310% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $450720.57 | 38.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10219 | Safe Harbor QM (APOR) |  | Yes | No | $25878.68 | $18019.21 |  | 6.226% | XXXX | XXXX | 6.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15118.16 | 1 | $21500.04 | $3054.96 |  |  |  |  |  | 38.651% | 38.651% | 38.651% | 06/07/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $25878.68 |  | 5.310% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 2 | 0 | 3 | 2 |  |  | 17.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $565550.99 | 33.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10227 | Safe Harbor QM (APOR) |  | Yes | No | $1500.00 | $600.00 |  | 6.099% | XXXX | XXXX | 6.125% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13916.19 | 1 | $19051.80 | $4194.00 |  |  |  |  |  | 42.880% | 42.880% | 42.880% | 06/12/2022 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2021<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; D1C Income Verification Report - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1500.00 |  | 5.310% | $33355.81 |  | DU |  | ApproveIneligible | N/A | No | 6.125% | 0 | 2 | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $842652.20 | 65.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10231 | Safe Harbor QM (APOR) |  | Yes | No | $19300.08 | $21558.62 |  | 6.171% | XXXX | XXXX | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26044.41 | 1 | $4131.24 | $1479.96 |  |  |  |  |  | 18.707% | 18.707% | 18.707% | 05/14/2022 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $19300.08 |  | 5.310% | $0.00 | 1.5 | DU |  | ApproveEligible | N/A | No | 5.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $427916.95 | 51.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10223 | Safe Harbor QM (APOR) |  | Yes | No | $13498.13 | $18077.24 |  | 6.275% | XXXX | XXXX | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11153.08 | 1 | $12875.04 | $4434.00 |  |  |  |  |  | 40.877% | 40.877% | 40.877% | 06/07/2022 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $13498.13 |  | 5.310% | $0.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | 6.125% | 0 | 1 | 1 | 0 | 4 | 1 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $323213.97 | 26.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10232 | Safe Harbor QM (APOR) |  | Yes | No | $7849.00 | $14528.20 |  | 6.488% | XXXX | XXXX | 6.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $39185.35 | 1 | $13749.96 | $2649.00 |  |  |  |  |  | 21.329% | 21.329% | 21.329% | 05/26/2022 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $7849.00 |  | 5.310% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 17.47 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $105211.15 | 10.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10236 | Safe Harbor QM (APOR) |  | Yes | No | $1860.00 | $5762.23 |  | 6.066% | XXXX | XXXX | 6.000% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18695.99 | 1 | $10400.04 | $1003.20 |  |  |  |  |  | 21.458% | 21.458% | 21.458% | 06/14/2022 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Trust Income]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 1998 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1860.00 |  | 5.880% | $2000.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.000% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $76519.96 | 9.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10239 | Safe Harbor QM (APOR) |  | Yes | No | $4425.00 | $5190.00 |  | 6.309% | XXXX | XXXX | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10441.52 | 1 | $4181.88 | $3245.28 |  |  |  |  |  | 39.796% | 39.796% | 39.796% | 06/05/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $4425.00 |  | 5.880% | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $450998.30 | 47.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10240 | Safe Harbor QM (APOR) |  | Yes | No | $6916.20 | $8045.59 |  | 6.220% | XXXX | XXXX | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13096.17 | 1 | $10107.24 | $4055.04 |  |  |  |  |  | 41.502% | 41.502% | 41.502% | 06/25/2022 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $6916.20 |  | 5.880% | $2500.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $334854.72 | 36.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10250 | Safe Harbor QM (APOR) |  | Yes | No | $10845.00 | $14176.52 |  | 5.996% | XXXX | XXXX | 5.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $80513.94 | 1 | $15379.44 | $1812.36 |  |  |  |  |  | 13.007% | 13.007% | 13.007% | 07/01/2022 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $10845.00 |  | 5.780% | $2800.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 5.875% | 1 | 1 | 1 | 0 | 5 | 1 |  |  | 17.97 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $190633.06 | 14.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10262 | Safe Harbor QM (APOR) |  | Yes | No | $8498.60 | $11100.49 |  | 6.487% | XXXX | XXXX | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13192.46 | 1 | $8745.48 | $1383.96 |  |  |  |  |  | 39.112% | 39.112% | 39.112% | 05/16/2022 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-T - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $8498.60 |  | 5.780% | $3000.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $269459.18 | 29.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10307 | Safe Harbor QM (APOR) |  | Yes | No | $3690.00 | $5372.98 |  | 6.300% | XXXX | XXXX | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30482.97 | 1 | $7171.44 | $8288.04 |  |  |  |  |  | 39.938% | 39.938% | 39.938% | 07/06/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2002<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; Business Return Transcripts - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $3690.00 |  | 5.370% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $283573.68 | 24.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10280 | Safe Harbor QM (APOR) |  | Yes | No | $1450.00 | $4757.10 |  | 6.279% | XXXX | XXXX | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11759.43 | 1 | $10702.08 | $1343.04 |  |  |  |  |  | 43.056% | 43.056% | 43.056% | 07/12/2022 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1450.00 |  | 5.580% | $0.00 | 1 | LP / LPA |  | Accept | N/A | No | 6.250% | 2 | 1 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $525775.96 | 39.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10291 | Safe Harbor QM (APOR) |  | Yes | No | $20438.40 | $21437.91 |  | 5.701% | XXXX | XXXX | 5.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15459.63 | 1 | $9724.32 | $8853.00 |  |  |  |  |  | 35.779% | 35.779% | 35.779% | 05/12/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $20438.40 |  | 5.180% | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | 5.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $387204.84 | 32.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10300 | Safe Harbor QM (APOR) |  | Yes | No | $10005.00 | $9513.78 |  | 5.987% | XXXX | XXXX | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26670.76 | 1 | $7377.24 | $4752.96 |  |  |  |  |  | 24.668% | 24.668% | 24.668% | 07/27/2022 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $10005.00 |  | 5.060% | $0.00 | 4.3 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $40935.68 |  | No | 32 |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10301 | Safe Harbor QM (APOR) |  | Yes | No | $18090.00 | $17815.77 |  | 6.350% | XXXX | XXXX | 6.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $8787.67 | 1 | $3790.32 | $6111.00 |  |  |  |  |  | 40.763% | 40.763% | 40.763% | 06/07/2022 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $18090.00 |  | 5.370% | $15000.00 | 2.5 | LP / LPA |  | Accept | N/A | No | 6.125% | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $287704.66 | 32.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10311 | Safe Harbor QM (APOR) |  | Yes | No | $6262.06 | $8239.52 |  | 5.948% | XXXX | XXXX | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12432.77 | 1 | $13320.00 | $7612.80 |  |  |  |  |  | 37.049% | 37.049% | 37.049% | 08/08/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $6262.06 |  | 5.060% | $5000.00 | 2.5 | LP / LPA |  | Accept | N/A | No | 5.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $432515.16 | 36.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10310 | Safe Harbor QM (APOR) |  | Yes | No | $1245.00 | $5529.84 |  | 5.769% | XXXX | XXXX | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13237.12 | 1 | $6154.56 | $7044.00 |  |  |  |  |  | 39.956% | 39.956% | 39.956% | 07/18/2022 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1245.00 |  | 5.060% | $0.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 5.750% | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $517140.21 | 43.000% | No | 31 | 7 |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10309 | Safe Harbor QM (APOR) |  | Yes | No | $11885.04 | $14256.14 |  | 6.114% | XXXX | XXXX | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27604.68 | 1 | $3602.16 | $1565.40 |  |  |  |  |  | 27.106% | 27.106% | 27.106% | 05/19/2022 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Tax Return Extension - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $11885.04 |  | 5.310% | $2000.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 6.000% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $607132.44 | 47.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10317 | Safe Harbor QM (APOR) |  | Yes | No | $1995.00 | $6667.19 |  | 6.064% | XXXX | XXXX | 6.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12418.45 | 1 | $10140.00 | $1320.84 |  |  |  |  |  | 34.640% | 34.640% | 34.640% | 08/02/2022 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1995.00 |  | 5.060% | $5000.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.000% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $105238.20 | 11.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10323 | Safe Harbor QM (APOR) |  | Yes | Yes | $8782.50 | $13509.64 |  | 5.543% | XXXX | XXXX | 5.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19055.39 | 1 | $12162.24 | $1893.00 |  |  |  |  |  | 34.667% | 34.667% | 34.667% | 08/10/2022 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $8782.50 |  | 5.060% | $0.00 | 1.6 | DU |  | ApproveEligible | N/A | No | 5.375% | 2 |  | 3 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $352728.19 | 39.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10327 | Safe Harbor QM (APOR) |  | Yes | No | $21427.50 | $26466.62 |  | 6.049% | XXXX | XXXX | 5.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $80106.81 | 1 | $30624.96 | $900.96 |  |  |  |  |  | 21.243% | 21.243% | 21.243% | 08/12/2022 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-T - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $21427.50 |  | 5.280% | $5000.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | 5.875% | 1 | 1 | 1 | 0 | 2 | 1 |  |  | 19.53 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $596435.82 | 24.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10328 | Safe Harbor QM (APOR) |  | Yes | No | $24508.00 | $33530.61 |  | 5.867% | XXXX | XXXX | 5.625% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15672.76 | 1 | $15925.20 | $4200.00 |  |  |  |  |  | 40.629% | 40.629% | 40.629% | 07/28/2022 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $24508.00 |  | 5.280% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 5.625% | 0 |  | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $475138.55 | 30.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10329 | Safe Harbor QM (APOR) |  | Yes | No | $24295.00 | $29796.18 |  | 5.606% | XXXX | XXXX | 5.375% | No | No | Not Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15643.82 | 1 | $18125.04 | $1164.96 |  |  |  |  |  | 37.425% | 37.425% | 37.425% | 07/19/2022 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $24295.00 |  | 5.370% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 5.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $1407035.18 | 97.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10332 | Safe Harbor QM (APOR) |  | Yes | No | $41970.00 | $46894.09 |  | 6.275% | XXXX | XXXX | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19255.72 | 1 | $8338.80 | $9231.96 |  |  |  |  |  | 42.233% | 42.233% | 42.233% | 05/31/2022 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $41970.00 |  | 5.310% | $16500.00 | 4.7 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $1241408.27 | 57.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10342 | Safe Harbor QM (APOR) |  | Yes | No | $12840.75 | $2207.24 |  | 5.875% | XXXX | XXXX | 5.875% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20824.67 | 1 | $6530.16 | $3168.96 |  |  |  |  |  | 28.601% | 28.601% | 28.601% | 08/26/2022 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $12840.75 |  | 5.620% | $25000.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 5.875% | 0 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $396628.43 | 32.000% | No |  | 30 |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10344 | Safe Harbor QM (APOR) |  | Yes | No | $1990.00 | $7576.67 |  | 5.618% | XXXX | XXXX | 5.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21143.09 | 1 | $36025.68 | $3597.96 |  |  |  |  |  | 33.520% | 33.520% | 33.520% | 08/22/2022 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $1990.00 |  | 4.970% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 5.500% | 1 |  | 1 | 0 | 4 | 1 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $83605.12 | 3.000% |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10364 | Safe Harbor QM (APOR) |  | Yes | No | $15528.00 | $21421.59 |  | 7.391% | XXXX | XXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21647.22 | 1 | $16679.40 | $6690.96 |  |  |  |  |  | 42.794% | 42.794% | 42.794% | 10/03/2022 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $15528.00 |  | 6.790% | $6000.00 |  | DU |  | ApproveIneligible | N/A | No | 7.250% | 1 |  | 0 | 0 | 4 | 1 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $152887.84 | 11.000% | No |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | OBX2023J10376 | Safe Harbor QM (APOR) |  | Yes | No | $17497.63 | $4625.54 |  | 7.026% | XXXX | XXXX | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11791.51 | 1 | $6969.60 | $1443.96 |  |  |  |  |  | 33.771% | 33.771% | 33.771% | 10/05/2022 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [redacted] | $17497.63 |  | 7.000% | $21360.00 | 1.4 | DU |  | ApproveEligible | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XX/XX/XXXX | $688350.43 | 75.000% | No |  | 33 |  |  |  |

---

## Exhibit 99.06

**Exhibit 99.06**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-06_001.jpg) | ![](ex99-06_001.jpg) | ![](ex99-06_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Ignored)** | **Data Compare (Ignored)** | **Data Compare (Ignored)** | **Data Compare (Ignored)** | **Data Compare (Ignored)** |  |  |  |  |  |
| **Run Date - 1/24/2023 9:04:45 PM** | **Run Date - 1/24/2023 9:04:45 PM** | **Run Date - 1/24/2023 9:04:45 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10004 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10004 | Refi Purpose |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10034 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10082 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10012 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10035 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10018 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10036 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10036 | Refi Purpose |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10037 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10037 | Refi Purpose |  | [redacted] | Ignored | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10019 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10019 | Decision System |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10104 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10123 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10113 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10163 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10147 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10201 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10119 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10121 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10117 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10175 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10107 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10107 | Refi Purpose |  | [redacted] | Ignored | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10193 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10110 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10176 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10196 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10099 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10170 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10212 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10239 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10223 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10227 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10213 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10231 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10108 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10329 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10240 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10262 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10217 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10236 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10219 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10180 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10250 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10232 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10328 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10327 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10280 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10317 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10115 | Note Date |  | [redacted] | Ignored | Unable to verify due to missing information |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10301 | Note Date |  | [redacted] | Ignored | Field Value reflects Note Date per the Note |
| [redacted] | [redacted] | [redacted] |  | OBX2023J10364 | Investor: Qualifying Total Debt Ratio | [redacted] | [redacted] | Ignored | Unable to verify due to missing information |

---

## Exhibit 99.07

**Exhibit 99.07**

![](ex99-07_001.jpg)

OBX 2023-J1

![](ex99-07_002.jpg)

**<br> January 6, 2023**<br> **Due Diligence Narrative Report** <br>

![](ex99-07_003.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information**  | &nbsp;&nbsp;&nbsp;**2** |
| **Overview** | &nbsp;&nbsp;&nbsp;**2** |
| **Originators**  | &nbsp;&nbsp;&nbsp;**2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | &nbsp;&nbsp;&nbsp;**3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Sampling* | &nbsp;&nbsp;&nbsp;*3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | &nbsp;&nbsp;&nbsp;*3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*Loan Grading* | &nbsp;&nbsp;&nbsp;*3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | &nbsp;&nbsp;&nbsp;*3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | &nbsp;&nbsp;&nbsp;4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;&nbsp;4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;&nbsp;4 |
| &nbsp;&nbsp;&nbsp;Data Integrity | &nbsp;&nbsp;&nbsp;6 |
| &nbsp;&nbsp;&nbsp;Data Capture | &nbsp;&nbsp;&nbsp;6 |
| **Data Compare Results** | &nbsp;&nbsp;&nbsp;**6** |
| **Clayton Due Diligence Results** | &nbsp;&nbsp;&nbsp;**7** |
| **Appendix A: Credit Review Scope** | &nbsp;&nbsp;&nbsp;**10** |
| **Appendix B: Origination Appraisal Assessment** | &nbsp;&nbsp;&nbsp;**13** |
| **Appendix C: Regulatory Compliance Review Scope** | &nbsp;&nbsp;&nbsp;**16** |

---

OBX 2023-J1 Due Diligence Narrative Report Page \| 1 January 6, 2023

 ****

![](ex99-07_003.jpg)

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex99-07_004.jpg) | **Chris Turk** | Client Service Manager<br> Phone: (813) 472-6509/E-mail: <u>chris.turk@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex99-07_004.jpg) | **Joe Ozment**  | Director of Securitization<br> Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Bank of America Corporation ("BOAC"), Clayton conducted an independent third-party pre-securitization due diligence review of 72 residential loans. "The Due Diligence for BOAC (72 loans) took place between June, 2021 and November, 2022 on a flow and bulk purchase basis.

Onslow Bay acquired the above due diligence (72 loans) through a Reliance Letter purchase and selected these loans for the OBX 2023-J1 transaction.

This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review for all 72 loans.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;Broker | 10 | 13.89% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | 3 | 4.17% |
| &nbsp;&nbsp;Retail | 59 | 81.94% |
| &nbsp;&nbsp;**Total** | **72** | **100.00%** |

---

OBX 2023-J1 Due Diligence Narrative Report Page \| 2 January 6, 2023

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**Clayton's Third Party Review ("TPR") Scope of Work**

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and were performed in accordance with rating agency loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | &nbsp;&nbsp; ***Loan Count<br> Reviewed by<br> Clayton***  | ***Scope Applied*** |
| **Full Review** | 72 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 72 |  |

---

Sponsor Acquisition Criteria

Flow loans in which 72 loans were reviewed to the DU/LP AUS Certificate in the file along with BAML overlays.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton's loan grading is solely based on Clayton's independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

TPR Component Review Scope

Clayton examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in loan documentation provided to Clayton.

OBX 2023-J1 Due Diligence Narrative Report Page \| 3 January 6, 2023

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Credit Review

Clayton's Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u> and to the guidelines cited above):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor
Acquisition Criteria cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against
the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Analyzed asset statements in order to determine whether funds to close and reserves were within Sponsor
Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Evaluated evidence of borrower's willingness and ability to repay the obligation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined any anti-fraud reports already in file for red flags.

Property Valuation Review

Clayton's Property Valuation scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment

- Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

- For more detail on the original appraisal review scope and desk review definitions, please refer to <u>Appendix B</u> and to the guidelines cited above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

- On 72 loans, the breakdown is as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. On 72 loans, a Desk Review was used to evidence supported value.

If a valuation product fell outside of -10% tolerance for support of value, then an additional product would be completed to support the final conclusion of value.

Any additional valuation product ordered would only be represented in this summary if it is showing supported value where a prior product fell outside of -10% tolerance for support.

Regulatory Compliance Review

Clayton's Regulatory Compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u> and to the guidelines cited above.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment
penalty provisions;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Truth-in-lending/regulation Z (TILA) testing included the following:

OBX 2023-J1 Due Diligence Narrative Report Page \| 4 January 6, 2023

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- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on or after 1/10/2014. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non-QM loans were reviewed to ensure the lender documented that they considered and verified the eight (8) underwriting factors required for ATR compliance in accordance with either their guidelines or the Sponsor Acquisition Criteria;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The ATR/QM Rules allow the lender to exclude up to two discount points from the 3% points and fees evaluation
depending on the loan's undiscounted interest rate in relation to the APOR index rate. The ATR/QM Rule does not set the required
rate reduction per discount point. <br>
Clayton evaluated the lender's exclusion of discount points from the 3% points and fees
 calculation for all loans in this transaction using a [0.2%] rate reduction threshold per discount point.

- Prepayment Penalty restrictions.

TRID: on applicable loans, test compliance with the Integrated Mortgage Disclosure rules under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice;

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 ("TRID Effective Date"), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel's interpretations of the published regulations as of the TRID Effective Date. Clayton's scope was commercially reasonable as it relates to a Third Party Review ("TPR") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFA published its RMBS 3.0 TRID Compliance Review Scope© documentation, developed under the leadership of members from Third Party Review ("TPR") firms across the industry and SFA's RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act ("TILA) – Real Estate Settlement Procedures Act ("RESPA") Integrated Disclosure ("TRID") Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFA RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by Onslow Bay.

OBX 2023-J1 Due Diligence Narrative Report Page \| 5 January 6, 2023

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Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tape data received from lender/client is stored in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan Reviewer collects validated loan data in eCLAS;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each received data point is compared to its counterpart collected data point;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Discrepancies found during comparison are stored

Data Capture

Clayton collected data fields required to create American Securitization Forum ("ASF") data tape. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided BOAC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Row Labels** | **#** | **Accuracy %** |
| Borrower 1 First Name | 2 | 97.22% |
| Borrower 1 Last Name | 1 | 98.61% |
| Disbursement Date | 13 | 81.94% |
| First Payment Date | 8 | 88.89% |
| Occupancy Type | 1 | 98.61% |
| Original Appraised Value | 27 | 62.50% |
| Original Balance | 2 | 97.22% |
| Original LTV | 7 | 90.28% |
| Original Term | 1 | 98.61% |
| Property City | 1 | 98.61% |
| Property Street Address | 2 | 97.22% |
| Property Zip | 1 | 98.61% |

---

OBX 2023-J1 Due Diligence Narrative Report Page \| 6 January 6, 2023

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**Clayton Due Diligence Results**

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

**Initial and Final Overall Loan Grade Results\* (72 loans)**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 5 |  | 28 | 30 | **63** |
| **Final** | **B** |  |  | 4 | 5 | **9** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **5** | **0** | **32** | **35** | **72** |

---

\*The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 7 |  | 33 | 31 | **71** |
| **Final** | B |  |  | 1 |  | **1** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **7** | **0** | **34** | **31** | **72** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 63 |  | 6 | 3 | **72** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **63** | **0** | **6** | **3** | **72** |

---

OBX 2023-J1 Due Diligence Narrative Report Page \| 7 January 6, 2023

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**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 43 |  |  | 21 | **64** |
| **Final** | B |  | 2 | 2 | 4 | **8** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **43** | **2** | **2** | **25** | **72** |

---

OBX 2023-J1 Due Diligence Narrative Report Page \| 8 January 6, 2023

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Clayton Third Party Reports Delivered

Clayton furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Waived Conditions Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations Summary Reports

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Rating Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. BOAC SEC Additional Data

OBX 2023-J1 Due Diligence Narrative Report Page \| 9 January 6, 2023

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**Appendix A: Credit Review Scope**

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LTV/TLTV/HLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Credit score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income and employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Assets and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Property type and use eligibility; and if the property type
was a condominium or cooperative, assessed project adherence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Transaction eligibility, including:

Maximum loan amount

- Loan purpose

- Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Noted any approved exceptions or waivers by the originator and/or
aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Employment analyzed and verified through use of various documents,
including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Signed by all borrowers and processed by the originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Compared IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Paystubs

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ IRS documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Bank statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Lease agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Award letters

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification of deposits (VOD)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Settlements statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

&nbsp;&nbsp;&nbsp;&nbsp;o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee simple

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Leasehold estate

- Appropriate vestee(s) were listed on title policy

Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower's assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

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&nbsp;&nbsp;&nbsp;&nbsp;o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Correct loan number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage
or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped "true and certified copy"
by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan
file to identify and address any potential misrepresentations including:

&nbsp;&nbsp;&nbsp;&nbsp;o Borrower identity

- Social Security inconsistencies

- Borrower name variations

&nbsp;&nbsp;&nbsp;&nbsp;o Occupancy

- Borrower address history

- Subject property ownership history

&nbsp;&nbsp;&nbsp;&nbsp;o Employment

&nbsp;&nbsp;&nbsp;&nbsp;o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

&nbsp;&nbsp;&nbsp;&nbsp;o OFAC

OBX 2023-J1 Due Diligence Narrative Report Page \| 12 January 6, 2023

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**Appendix B: Origination Appraisal Assessment**

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage
loan file contained an appraisal report and that it met the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject front, rear and street photos and valued features

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Photos of all comparable sales and listings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location map

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Exterior sketch of property with dimensions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 1004MC Market Conditions Report

- Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility
assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Title XI of FIRREA:

---

| |
|:---|
| If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property |
| Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal. |

---

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- Reviewed for the presence of any "red flags" related to the mortgaged property that may have posed a risk to the property or occupants

&nbsp;&nbsp;&nbsp;&nbsp;o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal
valuation to the following criteria:

&nbsp;&nbsp;&nbsp;&nbsp;o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

&nbsp;&nbsp;&nbsp;&nbsp;o Property was complete. However, if the property was not 100% complete, then any unfinished portion had
no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

&nbsp;&nbsp;&nbsp;&nbsp;o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following
key points in making determination:

- Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was "highest and best use"

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ % built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met
the client supplied eligibility requirements. Examples of ineligible property types may include:

&nbsp;&nbsp;&nbsp;&nbsp;o 3 to 4 unit owner occupied properties

&nbsp;&nbsp;&nbsp;&nbsp;o 2 to 4 unit second homes

&nbsp;&nbsp;&nbsp;&nbsp;o Unwarrantable or limited review condominiums

&nbsp;&nbsp;&nbsp;&nbsp;o Manufactured or mobile homes

&nbsp;&nbsp;&nbsp;&nbsp;o Condotel units

&nbsp;&nbsp;&nbsp;&nbsp;o Unique properties

&nbsp;&nbsp;&nbsp;&nbsp;o Working farms, ranches or orchards

&nbsp;&nbsp;&nbsp;&nbsp;o Mixed-use properties

&nbsp;&nbsp;&nbsp;&nbsp;o Properties subject to existing oil or gas leases

&nbsp;&nbsp;&nbsp;&nbsp;o Properties located in Hawaii Lava Zones 1 and 2

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&nbsp;&nbsp;&nbsp;&nbsp;o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA
Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will
specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage
has been indicated, and the amount of said damage.

F. Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment are not persons providing
valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraisers
under Federal or State law, and the services being performed by such persons do not constitute "appraisal reviews" for purposes
of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed
valuation information for reasonableness

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the
underlying property

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will
not have any communication with or responsibility to any individual consumer concerning property valuation.

&nbsp;&nbsp;&nbsp;&nbsp;o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

&nbsp;&nbsp;&nbsp;&nbsp;o Clear Capital "CDA" means a written retrospective analysis of an appraisal of residential real property
relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer.
The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date
of the appraisal provided. The CDA will also provide an analysis of the appraisal provided, including supporting
narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also
contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear
Capital by Customer.

&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's
Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR
validates subject and comparable data and characteristics, confirms the original appraiser's methodologies, credentials, and commentary
to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing
a final value reconciliation used to grade the loan.

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**Appendix C: Regulatory Compliance Review Scope**

This appendix provides an overview of Clayton's proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton's state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton's proprietary due diligence platform, eCLAS.

**<u>Federal Law</u>**

**A.** **RESPA and Regulation X:** Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory
on January 1, 2010

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation
within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual
loan terms from the Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee
tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop
for.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm
the disclosure was provided to the borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within
3 days of application

**B.** **Truth in Lending Act and Regulation Z** - Loan level analysis on the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether
the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure
Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of
the prepayment penalty disclosure and assumption policy with the note and security instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application,
7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on
or after July 30, 2009 (Section 19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs
identified within the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the
loan disbursement (Section 23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost mortgage thresholds for points and fees (Section 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o High Cost Prohibited Acts and Practices upon request (Section 33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance,
mandatory arbitration clauses, and NegAm Counseling (Section 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains
documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements
This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will
be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance.
This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA
 Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID
 Compliance Review Scope©"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure
("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application Requirement Testing:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms cannot look similar to the LE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official
Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing Requirements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after
the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is
triggered) is received.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee Tolerances:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment Schedule Accuracy:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated
payment schedule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest-only periods and final balloon payments are accurately completed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy of the Loan Calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Amount Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with the TRID rounding rules.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with specified formatting requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Alphabetization of fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Title fees preceded by "Title –."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency within and across forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Once a fee is disclosed it must remain substantially the same name across disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with
a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the
section referenced.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion of the LE and CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information,
contact information, rate lock information, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one
option is indicated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· That there is either a signature or a Loan Acceptance statement on the form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Waivers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past
experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected CD requiring a new waiting period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided.
For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within
tolerance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close CD's

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Corrected CD's provided with a post-close refund.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related Documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside of Clayton's default TRID scope:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More
detailed testing will occur by comparing the final CD to the Note terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Whether the Liability after Foreclosure selection is correct for the property state.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Aggregate Adjustment amount.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms,
but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

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**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| **Higher-Priced** | **Higher-Priced** | **Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

**C.** **Anti-Predatory** 

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota (Mortgage Originator and Service Licensing Act)

OBX 2023-J1 Due Diligence Narrative Report Page \| 19 January 6, 2023

![](ex99-07_003.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Puerto Rico (Office Regulation 5722)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Texas (Texas Finance Code)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

---

| | | |
|:---|:---|:---|
| **Borrower's Interest** | **Borrower's Interest** | **Borrower's Interest** |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Ohio | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;Rhode Island |  |

---

**E.** **Consumer Protection** 

Several states have laws that neither create a separate class of high cost or higher-priced mortgagee loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

OBX 2023-J1 Due Diligence Narrative Report Page \| 20 January 6, 2023

![](ex99-07_003.jpg)

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

**<u>Disclaimer</u>**

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2023 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC.

OBX 2023-J1 Due Diligence Narrative Report Page \| 21 January 6, 2023

## Exhibit 99.08

**Exhibit 99.08**

---

| | |
|:---|:---|
| **Client Name:** | **XXXXXXX** |
| **Client Project Name:** | **OBX-2023-J1** |
| **Start - End Dates:** | **6/2021 - 11/2022** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *72* |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |
| **181 - Total Satisfied Conditions** | **181 - Total Satisfied Conditions** |
|  | 116 - Credit Review Scope |
|  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Application |
|  | 12 - Category: Assets |
|  | 2 - Category: Credit/Mtg History |
|  | 4 - Category: DTI |
|  | 59 - Category: HMDA |
|  | 9 - Category: Income/Employment |
|  | 2 - Category: Insurance |
|  | 12 - Category: Legal Documents |
|  | 13 - Category: Terms/Guidelines |
|  | 11 - Property Valuations Review Scope |
|  | 6 - Category: Appraisal |
|  | 4 - Category: FEMA |
|  | 1 - Category: Property |
|  | 54 - Compliance Review Scope |
|  | 19 - Category: Ability to Repay/Qualified Mortgage |
|  | 1 - Category: Borrower's Interest |
|  | 4 - Category: Compliance Manual |
|  | 1 - Category: Documentation |
|  | 4 - Category: Right of Rescission |
|  | 25 - Category: TILA/RESPA Integrated Disclosure |
| **6 - Total Waived Conditions** | **6 - Total Waived Conditions** |
|  | 6 - Compliance Review Scope |
|  | 2 - Category: RESPA |
|  | 4 - Category: Right of Rescission |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.09

**Exhibit 99.09**

---

| | |
|:---|:---|
| **Client Name:** | **XXXXXXX** |
| **Client Project Name:** | **OBX -2023-J1** |
| **Start - End Dates:** | **6/2021 - 11/2022** |

---

---

| | |
|:---|:---|
| **Conditions Report 2.0** |  |
| ***Loans in Report:*** | *72* |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Investor ID** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXXX | OBX2023J10260 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Per CIC's missing CD's issued XXX | 07.20.2022 - Client provide CD XXX | 07.20.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has XXXX years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: XXX, XXX Minimum: XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXX=XXXX / XXXXX=XXXX in PITIA reserves (exceeds X mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 26.95%, DTI Max: 45% |
| XXXXXXX | OBX2023J10260 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD is missing from file. Please provide Initial CD with Confirmation of Receipt at least 3 days prior to Consummation Date XXX | 07.20.2022 - Client provided Initial CD | 07.20.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has forty years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 786, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXXX / XXXX=XXXX in PITIA reserves (exceeds X mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 26.95%, DTI Max: 45% |
| XXXXXXX | OBX2023J10260 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing documentation that meets permanent citizen requirements (i.e., Photo-ID). | 07.22.22 - Permanent resident alien ID provided. | 07.22.22 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has forty years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 786, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; $1,819,097.44-$341,047.31=$1,478,050.13/$10,799=136.86 in PITIA reserves (exceeds 6 mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 26.95%, DTI Max: 45% |
| XXXXXXX | OBX2023J10189 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Right of Rescission | Waived | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | 06.27.2022 - Clayton determined compliance exception to be non-material and the client agreed to waive. | 06.27.2022 - Exception waived | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX / XXXXX= XXX in PITIA reserves (exceeds investor requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have over seven years in respective professions.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have over seven years residing in subject property.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 753, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10189 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 06.29.2022 - Updated HMDA tape received | 06.29.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX / XXXX = XXX in PITIA reserves (exceeds investor requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have over seven years in respective professions.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have over seven years residing in subject property.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 753, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10007 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor C A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID3716 | TRID - Curable issue related to the Closing Disclosure in file | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | 11/1/21: As the fees are verified per seller CD there is no material issue. | 11/1/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report. |
| XXXXXXX | OBX2023J10007 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor C A | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | HMDA Tape value states $XXX but Appraisal Report dated XXX advises $XXX, lender to address. | 9.8.21 - Client responded. Provided copies of the appraisal, CDA, HMDA Data sheet, initial and final 1003, all of which were in the loan file and do not address the disparity between the tape value and the appraised value.9.29.21 - Client responded. Provided another copy of the HMDA Data sheet with a value of $XXX which still does not address the disparity between the tape value and the appraised value.10.14.21 - Client responded. Provided HMDA Data sheet with original value crossed out and a new value of $XXX typed in. | 9.8.21 - Exception remains.9.29.21 - Exception remains.10.14.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report. |
| XXXXXXX | OBX2023J10003 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing tax & insurance statements or mortgage statement reflecting escrows for departing residence and 2nd home located at : XXX | 7/15/21: Lender provided the verification of taxes and insurance for REO on XXX | 7/15/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 + years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.61% < guideline maximum |
| XXXXXXX | OBX2023J10003 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $XXXX refund due to Lock Extension fee added at or prior to closing without a valid reason. Missing CIC for Lock extension fee or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 7.19.2021 - Client provided CIC for lock extension | 7.19.2021 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 + years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.61% < guideline maximum |
| XXXXXXX | OBX2023J10003 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing tax & insurance statements or mortgage statement reflecting escrows for departing residence and 2nd home located at XXX | 7/15/21: Lender provided the verification of taxes and insurance for REO on XXX | 7/15/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 + years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.61% < guideline maximum |
| XXXXXXX | OBX2023J10003 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Property Value tape field $XXX | 7/15/21: Lender provided HMDA tape confirming property value. | 7/15/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 + years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.61% < guideline maximum |
| XXXXXXX | OBX2023J10003 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | N/A | N/A | CRDHMDA5207 | Total Loan Costs tape field does not match audit field Total Loan Costs | No | Total Loan Costs tape field $XXX | 8/2/21: Lender provided the HMDA tape data with loan costs that match audit. | 8/2/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 + years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.61% < guideline maximum |
| XXXXXXX | OBX2023J10003 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraisal value. | 10.04.21 - Client provided CDA which supports original appraisal value! | 10.04.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 18 + years at current residence<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.61% < guideline maximum |
| XXXXXXX | OBX2023J10020 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing final executed settlement statement for sale of property at XXX which is required to close. | 12/2/21: Lender provided the final executed settlement statement XXX | 12/2/21: Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXXX | OBX2023J10020 | XXXXXX | AL | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Hazard insurance reflecting sufficient coverage of XXX or replacement cost. Missing replacement cost estimate from file. | 12/2/21: Lender provided the Replacement Cost Estimate confirming sufficient coverage. | 12/2/21: Exception satisfied. | (No Data) | Not Applicable | (No Data) |
| XXXXXXX | OBX2023J10167 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller paid RE Commissions listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 764, XXX Min: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession. |
| XXXXXXX | OBX2023J10167 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 764, XXX Min: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession. |
| XXXXXXX | OBX2023J10167 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL100 | Legal document incorrect or incomplete | No | The "Seller's Property Disclosure Statement - Exhibit B" associated with the sales contract is missing page 5/7. | 6/23/22 - Client provided a rental income worksheet for the XXX. No HELOC statement with XXX for property at XXX provided Also still missing 12 months cancelled checks confirming payment at XXX. Exhibit B of sales disclosure associated with the sales contract is missing pages 5-7.6/24/22 - Client provided a complete sellers property disclosure with all pages signed and dated XXX. | 6/23/22 - Exception remains. 6/24/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 764, XXX Min: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession. |
| XXXXXXX | OBX2023J10030 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing letter of authorization advising the closure of HELOC (XXX) for future draws. | 12.28.21 - Lender provided copies of credit report and disbursement summary without payoff letter closing account.12.29.21 - Lender provided copy of cash out purpose letter and request to close HELOC; Further noted that HELOC states -"All Home Equity Line of Credits will be closed unless AFCU has approved and recorded a Subordination Agreement prior to receiving the payoff check." | 12.28.21 - Exception remains12.29.21 - Exception Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has fifteen years in current profession. |
| XXXXXXX | OBX2023J10030 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Transaction date per Notary date is XXX, making earliest expiration date XXX. Disbursement date per CD is XXX. Missing evidence disbursement took place after XXX. | 01.03.22 - Lender provided updated ROR reflecting expiration date of XXX01.06.22 - Lender provided updated ROR reflecting expiration date of XXX02.03.22 - Lender provided corrected ROR reflecting expiration date. | 01.03.22 - Exception remains.01.06.22 - Exception remains.02.03.22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has fifteen years in current profession. |
| XXXXXXX | OBX2023J10030 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Right of Rescission | Waived | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date on form prior to end of rescission period | 12.21.21 - Clayton determined compliance exception to be non-material and the client agreed to waive. | 12.21.21 - Exception waived | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has fifteen years in current profession. |
| XXXXXXX | OBX2023J10030 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing letter of authorization advising the closure of HELOC (XXX) for future draws. | 12.28.21 - Lender provided copies of credit report and disbursement summary without payoff letter closing account.12.29.21 - Lender provided copy of cash out purpose letter and request to close HELOC; Further noted that HELOC states -"All Home Equity Line of Credits will be closed unless AFCU has approved and recorded a Subordination Agreement prior to receiving the payoff check."1.5.22 - Client provided form letter signed by borrowers dated XXX acknowledging the HELOC will be closed. | 12.28.21 - Exception remains.12.29.21 - Exception satisfied.1.5.22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has fifteen years in current profession. |
| XXXXXXX | OBX2023J10081 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | HMDA | Satisfied | C B | C B | CRDHMDA5198 | ULI is not valid per CFPB Check Digit Tool | No | Missing document from lender stating ULI number. | 4/5/22: Lender provided the valid ULI number. | 4/5/22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has fifteen years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 12/17/2021, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10081 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR2442 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP Summary Sheet. | 4/5/22: Lender provided LP UCD Feedback Cert. Still missing the XXX UCDP summary sheet.4/11/22: Lender provided the XXX UCDP. | 4/5/22: Exception remains.4/11/22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has fifteen years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 12/17/2021, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10166 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing appraisal value. | 06.28.2022 - Client provided HMDA tape | 06.28.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-five years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has seven years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 774, TD Bank Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/03/2022, borrower do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX / XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement >$1.50mm). |
| XXXXXXX | OBX2023J10166 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing Quit Claim Deed (fully executed) stating XXX has surrendered all interest within subject property to XXX. | 06.28.2022 - Client requested clarification on condition. The Final Title in file showing XXX and XXX as jointly vested in the subject property. The Note and Mortgage ONLY have (XXX, a single woman) on them. XXX would need to be on the Mortgage or a signed and dated Quit Claim deed needs to be in file taking him off the property. 7/1/22 - Client provided a 6/13/22 Quit Claim Deed taking XXX off the property. XXX shows as sole owner now. | 06.28.2022 - Exception remains7/1/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-five years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has seven years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 774, TD Bank Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/03/2022, borrower do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX / XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement >$1.50mm). |
| XXXXXXX | OBX2023J10166 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's income calculation for qualifying income used in review XXX | 06/29/22: Lender provided copy of approval and income calc worksheet | 06/29/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-five years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has seven years in current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 774, TD Bank Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/03/2022, borrower do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX / XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement >$1.50mm). |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing Leases on XXX per month, Verification that mortgage payment on XXX includes taxes and insurance and no HOA dues, Verification of no lien on XXX and evidence of taxes and insurance and HOA of $XXX per month. | 6/23/21: Lender provided verification of PITI for REO on XXX for REO on XXX. Still missing verification of PITI for REO on XXX. Lender provided leased for REO's on XXX. | 6/23/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXXXX in total assets documented. Effective amount is XXXXX, with liquid assets of XXXXX. Cash required to close $XXX. Cash back at closing XXXX Post close reserves are XXXXX. Reserves required XXXXXX x 6 = XXXXX Excess Post-closing reserves of XXXXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Provide satisfactory verification of mortgage on subject property with XXX. | 6/23/21: Lender provided verification of 0x30 for mortgage payment history on subject property with XXX. | 6/23/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXXX in total assets documented. Effective amount is XXXXX, with liquid assets of XXXXX. Cash required to close XXXX. Cash back at closing XXXXX. Post close reserves are XXXXX. Reserves required XXXXX x XX = XXXXX Excess Post-closing reserves of XXXXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Borrower owns three properties - Provide the following:Evidence that the mortgages on XXX include taxes and insurance and that there are no HOA dues.Evidence that XXX is owned free and clear and provide taxes and insurance and that there are no HOA dues.\*Subject to DTI re-calculation. | 6/23/21: Lender provided verification of PITI for REO on XXX, TI for REO on XXX. Still missing verification of PITI for REO on XXX. 07.02.21 - Lender provided Mortgage statement XXX which reflects PITI. | 6/23/21: Exception remains.07.06.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXX in total assets documented. Effective amount is XXXXX, with liquid assets of XXXXX. Cash required to close $0. Cash back at closing XXXX. Post close reserves are XXXX. Reserves required XXXX x X = XXXXX Excess Post-closing reserves of XXXXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Guidelines require copies of leases to use rental income.Provide satisfactory leases on XXX at $2800.\*Subject to DTI re-calculation. | 6/23/21: Lender provided leased for REO's on XXX | 6/23/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXXX in total assets documented. Effective amount is XXXXX, with liquid assets of XXXXXX. Cash required to close XXX. Cash back at closing XXXX. Post close reserves are XXXXX. Reserves required XXXX x X = XXXXX Excess Post-closing reserves of XXXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide AUS per guidelines. | 6/23/21: Lender provided the AUS findings report. | 6/23/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXXX in total assets documented. Effective amount is XXXXX, with liquid assets of XXXXX. Cash required to close XX. Cash back at closing XXXX. Post close reserves are XXXX. Reserves required XXXX x X = XXX Excess Post-closing reserves of XXXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Terms/Guidelines | Satisfied | N/A | N/A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Potential Title IssueTitle report indicates 2 mortgages on the property: first one with XXXCD reflects payoff of XXXProvide evidence that XXX | 6/23/21: CD reflects payoff of mortgage lien with XXX. No documentation to verify XXX lien was released as listed in the title commitment. 01.24.22 - Lender provided Payoff statement form for XXX1.31.22: Lender provided the verification of release of lien for XXX. Still missing verification of release of lien from XXX as listed in the title commitment. 2.3.22: Lender provided the verification of release of lien for XXX | 6/23/21: Exception remains.01.24.22 - Exception remains.1.31.22: Exception remains.2.3.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXXX in total assets documented. Effective amount is XXXX, with liquid assets of XXXX. Cash required to close XX. Cash back at closing XXX. Post close reserves are XXXX. Reserves required XXXX x X = XXXXX Excess Post-closing reserves of XXXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10001 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor D A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated CDA to support the appraised value. | 6/23/21: Lender provided the CDA that supports the appraised value. | 6/23/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXX in total assets documented. Effective amount is XXXX, with liquid assets of XXXX. Cash required to close XX. Cash back at closing XXXXXX. Post close reserves are XXXX. Reserves required XXXX x X = XXXXX Excess Post-closing reserves of XXXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 56.96% is 23.04 below the maximum of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 29.46% is 13.54 points below the maximum allowable DTI of 43%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 721 is 21 points above the minimum required score of 700. |
| XXXXXXX | OBX2023J10200 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 7/7/22 - Updated tape provided. | 7/7/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 733, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has only one derogatory account (1x30) since the oldest tradeline was opened on 12/01/2013 per credit report dated 06/06/2022.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXX/XXXX=XXXX in PITIA Reserves (exceeds 6 mos. requirement per XXX Matrix).<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: The borrower earned a monthly average of $26,527.50 in 2020 (up from $14,913.25 in 2019), in addition, 2021 plus 2022 monthly earnings are projected at $102,104.00, business should continue revenue increase. |
| XXXXXXX | OBX2023J10200 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing letter of explanation from the borrower addressing intent with departing residence (marked as investment via URLA) located at XXX | 7/7/22 - Client provided a HMDA data document XXX showing this address as the primary residence as of XXX. | 7/7/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has five years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 733, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has only one derogatory account (1x30) since the oldest tradeline was opened on 12/01/2013 per credit report dated 06/06/2022.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX - XXXXX=XXXX/XXXX=XXX in PITIA Reserves (exceeds 6 mos. requirement per XXX Matrix).<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: The borrower earned a monthly average of $26,527.50 in 2020 (up from $14,913.25 in 2019), in addition, 2021 plus 2022 monthly earnings are projected at $102,104.00, business should continue revenue increase. |
| XXXXXXX | OBX2023J10283 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 08/05/22: Lender provided tape value for property | 08/05/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over five years in respective professions.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 763, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/22/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Since 1995, the borrowers have 0x30 derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXX (cash to close) = XXXXX / XXXXX = XXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10216 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value did not show property value | 07.15.2022 - Client provided updated HMDA tape. | 07.15.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower lived at departure residence for 7.9 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 797 mid-score per CBR.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 4.9 years with XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 28 years as a XXX |
| XXXXXXX | OBX2023J10285 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing an amount exceeding XXX | 9/6/22 - Updated tape provided. | 9/6/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 743, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has seventeen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower had seven years residing in departing residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX - XXXXX = XXXX / XXXXX = XXX in PITIA reserves (exceeding mos. requirement).<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/21/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10285 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1. Missing letter of explanation addressing large wires on XXX | 9/6/22 - Client addressed the deposit of XXX | 9/6/22 - Exception remains. 09/19/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 743, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has seventeen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower had seven years residing in departing residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXXXX = XXXX / XXXX = XXXX in PITIA reserves (exceeding 6 mos. requirement).<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/21/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10199 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Credit | HMDA | Satisfied | N/A | N/A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Supported with appraisal in file. | 07.20.2022 - Updated HMDA tape received. | 07.20.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years living at departure residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR. |
| XXXXXXX | OBX2023J10103 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5226 | Interest Rate tape field does not match audit field Note Rate | No | Interest rate per Note is 4.5% and tape value is 4.125%. | 06.06.2022 - Updated HMDA Tape received | 06.06.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over ten years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/15/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10032 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor D A C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Provide Seller CD | 1.11.22 - Client provided Seller CD | 1.11.22 - Exception satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 credit score exceeds the guideline minimum of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.64% is below the guideline maximum of 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $113,849.99 exceeds the guideline requirement of 6X9 PITI cash reserves/$84,717.81. |
| XXXXXXX | OBX2023J10032 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor D A C | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide ATR/QM Status. | 01.11.22 - Lender provider transmittal with XXX status. | 01.11.22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 777 credit score exceeds the guideline minimum of 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.64% is below the guideline maximum of 43%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of XXXXX exceeds the guideline requirement of XXX PITI cash reserves/XXXXX |
| XXXXXXX | OBX2023J10022 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor D A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close the account signed and dated by borrowers. | 12.17.21 - Lender responded - HELOC closing is not needed as it is attached to the other REO and being left open.12.17.21 - Clayton response - Per payoff information - "Payoffs received via money wire will be treated as requests for account closure and release of lien unless you expressly inform us that you would like to leave open, prior to payoff." Payoffs received via ACH through borrowers online account would still leave the borrower ability to access the line of credit in accordance with terms outlined in the HELOC agreement.Provide proof of method of payoff OR provide subordination of lien and updated AUS and transmittal, as this would change the CLTV.12.22.21 - Client responded. Provided written UW response: Disagree. If the borrower wanted to leave it open, they could have informed the lender which is how the loan was approved. The HELOC was not "required" to be closed, but if it was, that has no impact to the loan. If the HELOC is still open, a subordination agreement is required, along with updated AUS and transmittal, as this would change the CLTV.01.10.22 - Lender provided copy of title with certification of Recorders Official records detail. Title still shows opens mortgages and Heloc and lien. Title Schedule B also state, " Close out letter from the mortgagor must be sent with the loan payoff instruction lender to close the account."01.12.22 - Lender responded with copy of Reconveyance and title report - "Title search references Mortgage No XXX, which matches the attached reconveyance showing that the HELOC was paid in full and closed." | 12.17.21 - Exception remains.12.22.21 - Exception remains.12.28.21 - Exception remains. If HELOC is to remain open, then the DU is invalid. The LTV/CLTV does NOT include the HELOC. 01.10.22 - Exception remains.01.12.22 - Upon further review, Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 793 is 73 points above the 720 required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10022 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C A | C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing Lender XXX Determination. | 12/16/21: Lender provided the QM XXX status determination. | 12/16/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 793 is 73 points above the 720 required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10022 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the 2020 and 2019 IRS W2 tax transcripts for B1 as required per guidelines. | 12.09.21 - Lender provided signed copies of 4506-C. Jumbo AUS program | 12.09.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 793 is 73 points above the 720 required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10022 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that HELOC with XXX has been paid and closed to future draws, authorization to close the account signed and dated by borrowers. | 12.17.21 - Lender responded - HELOC closing is not needed as it is attached to the other REO and being left open.12.17.21 - Clayton response - Per payoff information - "Payoffs received via money wire will be treated as requests for account closure and release of lien unless you expressly inform us that you would like to leave open, prior to payoff." Payoffs received via ACH through borrowers online account would still leave the borrower ability to access the line of credit in accordance with terms outlined in the HELOC agreement.Provide proof of method of payoff OR provide subordination of lien and updated AUS and transmittal, as this would change the CLTV.12.22.21 - Client responded. Provided written UW response: Disagree. If the borrower wanted to leave it open, they could have informed the lender which is how the loan was approved. The HELOC was not "required" to be closed, but if it was, that has no impact to the loan. If the HELOC is still open, a subordination agreement is required, along with updated AUS and transmittal, as this would change the CLTV.01.10.22 - Lender provided copy of title with certification of Recorders Official records detail. Title still shows opens mortgages and Heloc and lien. Title Schedule B also state, " Close out letter from the mortgagor must be sent with the loan payoff instruction lender to close the account."01.12.22 - Lender responded with copy of Reconveyance and title report - "Title search references Mortgage No XXX, which matches the attached reconveyance showing that the HELOC was paid in full and closed." | 12.17.21 - Exception remains. 12.22.21 - Exception remains.12.28.21 - Exception remains. If HELOC is to remain open, then the DU is invalid. The LTV/CLTV does NOT include the HELOC. 01.10.22 - Exceptions remains.01.12.22 - Upon further review, exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 793 is 73 points above the 720 required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10010 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D B A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing letter of authorization from lender directing lender of HELOC (XXX) to close for future draws (letter must also be signed and dated). | 10/13/21: Lender provided the borrower signed authorization form to close the HELOC account. | 10/13/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 721 / Investor Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eleven years in current profession. |
| XXXXXXX | OBX2023J10010 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D B A | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Earliest Expiration date per ROR is XXX | 10.25.2021 - Client provided Final CD with DD of XXX | 10.25.2021 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 721 / Investor Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eleven years in current profession. |
| XXXXXXX | OBX2023J10010 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D B A | Compliance | Right of Rescission | Waived | N/A B | N/A B | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | No | H9 (increase amount of credit) ROR form used for this NON-lender to lender refinance. H8 (will result in mortgage) was the proper form. | 7/12/2022: Per Clayton Compliance Department - we consider it lender to lender if the prior 2nd lien is the same lender. However, we can regrade that to EV2 when the 2nd is a different lender upon rebuttal today. We dont today capture fields that would tell us which lien is which and that is tied to the ROR forms, so it will always trigger as EV3 but XXX thinks that since the multiple lender scenario is not addressed in the regulation an EV2 is more appropriate.7/12/2022: Clayton agreed to waive non-material (lvl 2) compliance exceptions | 7/12/2022: Downgraded to non-material level 2.7/12/2022: Exception waived. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 721 / Investor Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eleven years in current profession. |
| XXXXXXX | OBX2023J10010 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D B A | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | The appraisal report and HMDA Tape Value match one another. | 10.06.21 - Client provided HMDA Data Sheet with property value of $XXX which matches appraisal value. | 10.06.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 721 / Investor Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eleven years in current profession. |
| XXXXXXX | OBX2023J10010 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D B A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing letter of authorization from lender directing lender of HELOC (XXX) to close for future draws (letter must also be signed and dated). | 10/13/21: Lender provided the borrower signed authorization form to close the HELOC account. | 10/13/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 721 / Investor Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eleven years in current profession. |
| XXXXXXX | OBX2023J10162 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Missing Final CD signed at consummation | 06.30.2022 - Client provided Final CD | 06.30.22 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXX(cash to close)=XXXXX./XXXX=XX in PITIA reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 779, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has nine years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory account history per credit reports on record. |
| XXXXXXX | OBX2023J10162 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 06.30.2022 - Updated HMDA tape received. | 06.30.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXX(cash to close)=XXXXX/XXXX=XX in PITIA reserves.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 779, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has nine years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory account history per credit reports on record. |
| XXXXXXX | OBX2023J10033 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 764 exceeds guideline minimum of 700.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower has 22 years in this line of work.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has good credit history. |
| XXXXXXX | OBX2023J10157 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eighteen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower had four years and six months residing in departing residence at the time of application. |
| XXXXXXX | OBX2023J10157 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5205 | Postal Code tape field does not match audit field Postal Code | No | Missing updated postal code from tape | 06.08.2022 - Updated HMDA tape received | 06.08.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eighteen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower had four years and six months residing in departing residence at the time of application. |
| XXXXXXX | OBX2023J10157 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Property tape value is missing appraisal value. | 06.08.2022 - Updated HMDA tape received | 06.08.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eighteen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower had four years and six months residing in departing residence at the time of application. |
| XXXXXXX | OBX2023J10157 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing the Final HUD-1 for the sale of departing residence located at XXX confirming the amount of $XXX derives from respective transaction. | 6/10/22 - Client provided settlement statement from sale of XXX; amount to borrowers was $XXX. The settlement statement did not exactly source the XXX | 6/10/22 - Exception remains.6/14/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eighteen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower had four years and six months residing in departing residence at the time of application. |
| XXXXXXX | OBX2023J10013 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | Compliance | Right of Rescission | Satisfied | C B | C B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Transaction date per Notary date is XXX making earliest expiration date XXX. Disbursement date per Final CD is XXX. Missing evidence DD after XXX. | 12.16.21 - Client provided CD dated XXX day waiting period not observed. Earliest expiration date per ROR is XXX. Missing PCCD with DD on or after XXX and Final ALTA confirming DD on or after XXX.12.30.21 - Client provided PCCD with DD of XXX, LOX for change in prepaid interest and refund of $99.78 and proof of delivery. Still require something confirming the true disbursement day of XXX via Alta or closing instructions.1.11.22 - Client provided Closing Instructions with DD of XXX | 12.16.21 - Exception remains12.30.21 - Exception remains1.11.22 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 94.44 / Investor Max: 75 (Cash-Out) |
| XXXXXXX | OBX2023J10013 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | Compliance | Right of Rescission | Waived | B | B | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | No | Expiration date per ROR is XXX however based on transaction date earliest expiration date is XXX. | 10.07.2021-Clayton determined compliance exception to be non-material and the client agreed to waive. | 10.07.2021 - Exception waived | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 94.44 / Investor Max: 75 (Cash-Out) |
| XXXXXXX | OBX2023J10013 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | The appraisal report and HMDA Tape both state $XXX | 10/7/21: Tape provided | 10/7/21: Exeption satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 94.44 / Investor Max: 75 (Cash-Out) |
| XXXXXXX | OBX2023J10013 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | Credit | HMDA | Satisfied | N/A | N/A | CRDHMDA5200 | Loan Purpose tape field does not match audit field Loan Purpose | No | loan purpose Cashout | 10.14.21 - Client responded. Provided copy of HMDA Data sheet that indicates loan purpose as cash out. | 10.14.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 94.44 / Investor Max: 75 (Cash-Out) |
| XXXXXXX | OBX2023J10013 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | FEMA Declaration Date: XXX | 10.13.21 - Client provided copy of FEMA Disaster Search results.10.14.21 - Client responded. Provided another copy of FEMA Disaster Search Results.10.19.21 - Client responded. Provided copy of appraisal dated XXX and CDA. PDI not provided.11/10/21: Lender provided the FEMA Disaster Search results with declaration date XXX. Appraisal completed XXX, prior to FEMA disaster. PDI is required. 1/11/22: Lender provided PDI | 10.13.21 - Exception remains.10.14.21 - Exception remains.10.19.21 - Exception remains.11/10/21: Exception remains.1/11/22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 94.44 / Investor Max: 75 (Cash-Out) |
| XXXXXXX | OBX2023J10013 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor C B A | Property Valuations | FEMA | Satisfied | N/A | N/A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing PDI for FEMA disaster effective XXX, Public Declaration #XXX | 12.30.21 - Lender provided Appraisal Update / Completion report certifying that the subject property and neighborhood have not been affected by the recent fires, and the marketability of the subject has not been affected. | 12.30.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 94.44 / Investor Max: 75 (Cash-Out) |
| XXXXXXX | OBX2023J10371 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape shows XXX | 11.17.2022 - Updated HMDA tape received. | 11.17.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 54 months of 0x30 consumer credit history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 76 months of 0x30 mortgage history per CBR. |
| XXXXXXX | OBX2023J10371 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since FEMA disaster 9/29/2022 12/31/2099 Public & Individual Hurricane Ian; Note date XXX | 11.17.2022 - Client requested if re-inspection needs to be done for the exterior, interior or both? Exterior Only is suffice to determine no damage to structure.11/18/2022: Lender provided XXX stating no damage to subject property | 11.17.2022 - Exception remains11/18/2022: Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 753 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 54 months of 0x30 consumer credit history.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 76 months of 0x30 mortgage history per CBR. |
| XXXXXXX | OBX2023J10237 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing final settlement statement / final closing disclosure for departing residence located at XXX | 8/2/22 - Client provided departing residence HUD. | 8/2/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Only one derogatory account (1x30) per active and close accounts via credit report dated 04/07/2022.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/07/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795 XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has fifteen years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXXX = XXXXX / XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10237 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | RE Commissions paid by Seller listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Only one derogatory account (1x30) per active and close accounts via credit report dated 04/07/2022.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/07/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795 XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has fifteen years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXX = XXXXX / XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10237 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Only one derogatory account (1x30) per active and close accounts via credit report dated 04/07/2022.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/07/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795 XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has fifteen years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXX - XXXXXX = XXXXX / XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10237 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing receipt of funds via sale of departing residence. | 8/2/22 - Client provided departing residence HUD. Assets verified. | 8/2/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Only one derogatory account (1x30) per active and close accounts via credit report dated 04/07/2022.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/07/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795 XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has fifteen years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXXX = XXXXX / XXX = XXXX in PITIA reserves (exceeds X mos. requirement). |
| XXXXXXX | OBX2023J10237 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing appraisal value. | 08/05/22: Lender provided updated tape to show property value | 08/05/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Only one derogatory account (1x30) per active and close accounts via credit report dated 04/07/2022.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/07/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795 XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has fifteen years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXX-XXXXX = XXXX / XXXXX= XXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10237 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing final settlement statement / final closing disclosure for departing residence located at XXX. | 8/2/22 - Client provided the HUD-1 from sale of property at XXX | 8/2/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Only one derogatory account (1x30) per active and close accounts via credit report dated 04/07/2022.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/07/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795 XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has fifteen years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXX = XXXXX / XXXX = XXXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10228 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Waived | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Affiliate Business Disclosure missing | 07.01.2022 - Clayton determined compliance exception to be non-material and the client agreed to waive. | 07.01.2022 - Exception waived | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/2/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 05/02/2022.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 791, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over twelve years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX / XXXXX=XX in PITIA Reserves (exceeding 9 mos. requirement). |
| XXXXXXX | OBX2023J10228 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing letter from The XXX | 07/11/22: Client uploaded HUD from sale of home that reflects transfer of seller funds to XXX as requested | 7.11.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/2/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 05/02/2022.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 791, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over twelve years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX/XXXXX=XX in PITIA Reserves (exceeding X mos. requirement). |
| XXXXXXX | OBX2023J10228 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing from appraisal value. | 07.14.2022 - Updated HMDA tape received. | 07.14.2022- Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/2/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 05/02/2022.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 791, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over twelve years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXX=XXXXX/XXXXX=XX in PITIA Reserves (exceeding X mos. requirement). |
| XXXXXXX | OBX2023J10305 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing appraisal value. | 08/12/22: Lender provided copy of updated HMDA values | 08/12/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over ten years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 787, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/11/2022, the borrowers have no history of derogatory accounts.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 39.71%, XXX Max: 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXXX - XXXX (cash-to-close) = XXXX / XXXX = XXXX in PITIA reserves (exceeds X mos. requirement). |
| XXXXXXX | OBX2023J10218 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 07.26.22- Updated HMDA tape received | 07.26.22 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over thirteen years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower ha over ten years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: XXX, XXX FICO Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/18/22, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/18/2022, the borrower has no derogatory accounts.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; $470,873.19-$257,286.93=$213,586.26/$8660=24.66 in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10297 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | File is missing copy of terms and conditions of withdrawal for B2 401k account with XXX | 8/3/22 - Client provided terms and conditions of 401K with XXX | 8/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 767, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXX = XXXX/XXXXXX= XX in PITIA Reserves (exceeds X mos. requirement).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report provided. |
| XXXXXXX | OBX2023J10297 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing appraisal value. | 08.03.2022 - Updated HMDA tape received | 08.03.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 767, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX = XXXXX/XXXX= XX in PITIA Reserves (exceeds 6 mos. requirement).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report provided. |
| XXXXXXX | OBX2023J10297 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing 1008 for this loan, one on record is for XXX | 8/3/22 - Client provide the correct complete 1008 for subject property. | 8/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 767, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXXX = XXXXX/XXXX= XX in PITIA Reserves (exceeds 6 mos. requirement).<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report provided. |
| XXXXXXX | OBX2023J10256 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing appraisal report. | 08.1.22 - Updated HMDA Tape received. | 08.1.22 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 709, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/20/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXXX-XXXX=XXXXXX (post close assets exceeds 6 mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 23.41%, XXX DTI Max: 45% |
| XXXXXXX | OBX2023J10256 | XXXXXX | AR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR2442 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | File is missing copy of UCDP for qualifying appraisal. | 08/01/22: Lender provided copy of UCDP | 08/01/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 709, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/20/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX (post close assets exceeds 6 mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 23.41%, XXX DTI Max: 45% |
| XXXXXXX | OBX2023J10244 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Credit | HMDA | Satisfied | N/A | N/A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Supported with appraisal in file. | 07.21.2022 - Updated HMDA tape received | 07.21.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years employed with XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 - 7 years in XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying credit score per CBR. |
| XXXXXXX | OBX2023J10244 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Property Valuations | Appraisal | Satisfied | N/A | N/A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA to support original appraisal value. | 07-27-22: Lender provided copy of Desk review showing matching value | 07/27/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 7 years employed with XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 - 7 years in XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer credit history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 774 qualifying credit score per CBR. |
| XXXXXXX | OBX2023J10253 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5203 | City tape field does not match audit field City | No | City per Note is XXX | 08.05.2022 - Updated HMDA Tape received | 08.05.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 - 10 years employed in XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7 years employed with XXX |
| XXXXXXX | OBX2023J10253 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | File tape is missing property value | 08.05.2022 - Updated HMDA Tape received | 08.05.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 - 10 years employed in XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: 7 years employed with XXX |
| XXXXXXX | OBX2023J10343 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value exceeding XXX | 09.26.2022 - Updated HMDA tape received | 09.26.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over eight years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 790, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/01/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 08/01/2022, the borrowers have no derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXXX - XXXX (post-close assets) = XXXXX / XXXXX = XX in PITIA reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10343 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR2442 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP. | 09/27/22: Lender provided copy of UCDP | 09/27/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over eight years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 790, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/01/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 08/01/2022, the borrowers have no derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXXX - XXXXXX (post-close assets) = XXXXX / XXXX = XXX in PITIA reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10306 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing copy of 2021 W2 | 9/9/22 - Client provided the required 2021 W2. | 9/9/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXXX (cash-to-close) = XXXXX(post-close assets) / XXXXX = XXX in PITIA reserves (exceeding 6 mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has seventeen years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 790, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, Borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/11/2022, borrower does not have any derogatory accounts. |
| XXXXXXX | OBX2023J10306 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing additional monthly period from XXX | 9/6/22 - Client provided required additional XXX | 9/6/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXXX (cash-to-close) = XXXXX(post-close assets) / XXXX = in PITIA reserves (exceeding 6 mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has seventeen years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 790, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, Borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/11/2022, borrower does not have any derogatory accounts. |
| XXXXXXX | OBX2023J10306 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing an appraising value. | 09.09.2022 - Updated HMDA tape received. | 09.09.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX - XXXXXX (cash-to-close) = XXXX (post-close assets) / XXXX = XXXX in PITIA reserves (exceeding 6 mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has seventeen years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 790, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, Borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/11/2022, borrower does not have any derogatory accounts. |
| XXXXXXX | OBX2023J10306 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing w-2 for 2021. | 9/9/22 - Client provided the required 2021 W2. | 9/9/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXXX (cash-to-close) = XXXX (post-close assets) / XXXX = XXXX in PITIA reserves (exceeding 6 mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has seventeen years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 790, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, Borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/11/2022, borrower does not have any derogatory accounts. |
| XXXXXXX | OBX2023J10325 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing k-1 and/or applicable tax returns XXX | 09/01/22: Lender provided of tax returns and transcripts to confirm no HOA and income verification | 09/01/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: FICO: 813, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eleven years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/13/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXX (cash-to-close) = XXXX / XXX = XXXX in PITI reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10325 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing a copy of the HOA statement for property located at XXX | 09/01/22: Lender provided copy of 2019 & 2020 tax returns to verify no HOA dues. | 09/01/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: FICO: 813, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eleven years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/13/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXX (cash-to-close) = XXXX / XXXX = XXXX in PITI reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10325 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing k-1 and/or applicable tax returns XXX | 09/01/22: Lender provided copies of transcripts and 2020 & 2019 tax returns. | 09/01/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: FICO: 813, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eleven years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/13/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXXX (cash-to-close) = XXXXX / XXXX = XXX in PITI reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10339 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $XXX | 10.12.2022 - Lender provided COC. | 10.12.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying credit score per CBR. |
| XXXXXXX | OBX2023J10339 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID5095 | TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures | No | $XXXX Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures on Final CD. Curable via LOX and re- disclosure with the fee added to the Loan Disclosures section. | 10.12.2022 - Lender provided CIC for escrow waiver fee however the issue is the CD reflects the Escrow Waiver fee in the Loan cost section but not in the Loan Disclosure section. Curable via LOX and re-disclosure with the fee added to the Loan Disclosure section where it shows Escrow Waiver fee. 10.18.2022 Lender provided corrected CD which reflects the Escrow Waiver fee in both the Loan Cost and Loan Section. | 10.12.2022 - Exception remains10.18.2022 - Exception satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying credit score per CBR. |
| XXXXXXX | OBX2023J10339 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value $XXX | 10.10.22 - Updated HMDA tape received. | 10.10.22 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 8 years in XXX<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 qualifying credit score per CBR. |
| XXXXXXX | OBX2023J10229 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5202 | Street Address tape field does not match audit field Street Address | No | Tape value is missing Street Address | 08/12/22: Lender provided updated tape value | 08/12/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has thirty-five years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 806, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXXXX (cash-to-close) = XXXX / XXXXX = XXX in PITIA reserves (exceeds over 6 mos. requirement).<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over seven years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/27/2022, borrower has no history of derogatory accounts. |
| XXXXXXX | OBX2023J10229 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is missing from appraisal review. | 08/12/22: Lender provided updated tape value | 08/12/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has thirty-five years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 806, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX - XXXX (cash-to-close) = XXXX / XXXX = XXXX in PITIA reserves (exceeds over 6 mos. requirement).<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over seven years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/27/2022, borrower has no history of derogatory accounts. |
| XXXXXXX | OBX2023J10229 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Property | Satisfied | D A | D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | HOA Questionnaire does not advise of rented units, Appraisal dated XXX indicates five, lender to address. | 08/18/22: Lender provided HOA questionnaire for condo project showing no units rented | 08/18/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has thirty-five years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 806, XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX - XXXXX (cash-to-close) = XXXX/ XXXX = XXXX in PITIA reserves (exceeds over 6 mos. requirement).<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over seven years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 07/27/2022, borrower has no history of derogatory accounts. |
| XXXXXXX | OBX2023J10341 | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 32 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXX months of reserves in file. |
| XXXXXXX | OBX2023J10341 | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Property Valuations | FEMA | Satisfied | C A | C A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since FEMA disaster XXX | 11/03/22: Lender provided copy of 1004D dated after FEMA disaster. Pictures included show no damage to property | 11/03/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 32 months of 0x30 consumer credit history per CBR.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXX months of reserves in file. |
| XXXXXXX | OBX2023J10205 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5210 | Loan Term tape field does not match audit field Loan Term | No | Tape term states 359, loan term is 360 per Note provided by lender. | 7/14/2022- Client uploaded corrected HMDA info with 360 as the loan term | 7/15/2022- Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has thirteen years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/06/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 760, XXX Minimum Requirement: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXX=XXXX/XXXX=XXX in PITIA reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10205 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value is sales price per purchase agreement provided, LTV of 80% accounts for variance. | 7/14/2022- Client uploaded corrected HMDA reflecting appraised value of $XXX | 7/15/2022- Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has thirteen years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/06/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 760, XXX Minimum Requirement: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXXX/XXXX=XXX in PITIA reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10294 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 08/04/22: Lender provided HMDA tape showing value | 08/04/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 774, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has over five years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/16/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/16/22, borrowers have 0x30 derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXX (cash-to close)=XXXXX (post-close assets) / XXX = XXX in PITIA Reserves (exceeding 6 mos. requirement). |
| XXXXXXX | OBX2023J10005 | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor D A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | The loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing proof that HELOC has been paid and closed to future draws. | 9.20.21 - Client responded. Provided credit report dated 7/26/2021. Santander Acct #XXX updated with "Per XXX conference call with co-borrower last payment received XXX, no draws for the last 12 months". No evidence HELOC has been paid in full.9.28.21 - Client provided copy of payoff check for HELOC, accompanied by signed authorization by borrower to close account and no further advances to be made from account. | 9.22.21 - Exception remains.9.28.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 7 months at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10005 | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor D A | Compliance | Borrower's Interest | Satisfied | B A | B A | CMPBI1623 | MA Borrower Interest; Worksheet missing | No | MA Borrower Interest Worksheet is missing. | 9.23.21 - Client responded. Provided MA Borrower's Interest Worksheet dated 9/1/2021. | 9.24.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 7 months at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10005 | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Hazard Insurance with Sufficient Coverage. Dwelling coverage is XXX. Guaranteed replacement cost not indicated on insurance document or in file. | 9.20.21 - Client responded. Provided correspondence from Hazard carrier that states the estimated rebuilding cost is $XXX and the property is insured up to that amount. | 9.22.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 7 months at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10005 | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that HELOC has been paid and closed to future draws. | 9.20.21 - Client responded. Provided credit report dated 7/26/2021. XXX conference call with co-borrower last payment received XXX, no draws for the last 12 months". No evidence HELOC has been paid in full.9.28.21 - Client provided copy of payoff check for HELOC, accompanied by signed authorization by borrower to close account and no further advances to be made from account. | 9.22.21 - Exception remains.9.28.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 7 months at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10005 | XXXXXX | MA | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS as required by guidelines. | 09.20.21 - Client provided AUS findings | 09.21.21 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years and 7 months at current residence.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: 0X30 mortgage history. |
| XXXXXXX | OBX2023J10080 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing letter of authorization instructing the closure of HELOC for future draws. | 2.22.22: Lender provided the borrower signed authorization to close HELOC with XXX. | 2.22.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has twenty-eight years in current profession per VVOE dated XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has nineteen years in current residence per URLAs on record. |
| XXXXXXX | OBX2023J10080 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing letter of authorization instructing the closure of HELOC for future draws. | 2.22.22: Lender provided the borrower signed authorization to close HELOC with XXX. | 2.22.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has twenty-eight years in current profession per VVOE dated XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has nineteen years in current residence per URLAs on record. |
| XXXXXXX | OBX2023J10290 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Property value missing from tape value | 09.14.2022 - Updated HMDA tape received. | 09.14.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 45 months of 0x30 consumer history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 25 months of 0x30 mortgage history per CBR. |
| XXXXXXX | OBX2023J10038 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2478 | Missing Legal Documentation | No | Mortgage and Final CD signed XXX and Mortgage Notary date is XXX. Provide Notary acknowledgment on XXX. | 2.3.22: Lender provided the corrected notary date of XXX. | 2.3.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 12/21/2021, borrower does not have history of derogatory accounts.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: XXX, XXX Max: 80%. |
| XXXXXXX | OBX2023J10038 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | RESPA | Waived | B | B | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | No | Homeowner Counseling Disclosure missing list of at least 10 counselors | 1.28.2022 - Clayton determined compliance exception to be non-material and the client agreed to waive. | 1.28.2022 - Exception waived | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 12/21/2021, borrower does not have history of derogatory accounts.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75%, XXX Max: 80%. |
| XXXXXXX | OBX2023J10038 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 12/21/2021, borrower does not have history of derogatory accounts.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75%, XXX Max: 80%. |
| XXXXXXX | OBX2023J10038 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing Title Report dated within 60 days of funding date (Title: XXX, Final CD Disbursement Date: XXX). | 2.3.22: Lender provided the Indemnity & Undertaking Agreement GAP XXX document. | 2.3.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 12/21/2021, borrower does not have history of derogatory accounts.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 75%, XXX Max: 80%. |
| XXXXXXX | OBX2023J10112 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing documentation addressing if borrower has over XXX and if business is still operating (will require business returns in confirming no loss exist that may impact DTI). Business Account is being used at XXX with large transactions occurring within the account. The current address and previous addresses for XXX are tied to borrower's previous primary residences. | 6/22/22 - Client provided 2019 and 2020 tax returns including 1120-S, K1 showing XXX and CPA letter showing borrower still owns business. | 6/22/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10112 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | $XXX, without a valid Change in Circumstance. CIC provided in file is too vague. It only states "New Information Provided and Borrower Requested Change". A valid CIC requires a description of the change to tie out to the fees impacted. Requires valid CIC, or corrected PCCD, copy of refund check, LOX and verification of shipping. | 06.22.2022 - Client provided valid CIC for increase in loan points however refund still due for increase Appraisal fee from XXX. A $XXX refund is still due for appraisal increase. "New Information was provided" is not a valid CIC. A description of the change that took place in order to justify the increase in the appraisal fee. 06.23.2022 - Client provided explanation for increase in appraisal | 06.22.2022 - Exception remains06.23.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10112 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | 1. Missing proof of receipt and/or letter from Escrow Agency holding the funds in the amount of $XXX2. Missing letter from CPA confirming borrower has XXX. | 6/22/22 - Client provided a seller CD for property at XXX funds to borrower. Still missing CPA letter confirming XXX.6/29/22 - Client proved XXX. | 6/22/22 - Exception remains. 6/29/22 - Exception remains. 7/1/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10112 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Missing documentation addressing if borrower has over XXX and if business is still operating (will require business returns in confirming no loss exist that may impact DTI). Business Account is being used at XXX with large transactions occurring within the account. The current address and previous addresses for XXX are tied to borrower's previous primary residences. | 6/22/22 - Client provided 2019 and 2020 tax returns including 1120-S, K1 showing XXX and CPA letter showing borrower still owns business. | 6/22/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10184 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing additional monthly period for the following Account; XXX (consecutive; either May and/or March monthly statement). Only 1 in file. | 6/29/22 - Client response 'Please see attached. We werent using that account to qualify. Ive attached a new 1008, DU findings, and the asset worksheet that was provided.' 1008, DU AUs and asset worksheet provided. XXX was not used to qualify. | 6/29/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over thirty years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 812, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/05/2022, the borrower has never had a derogatory account.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/05/2022, borrower does not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX/XXXXX= XXX installments (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10156 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5202 | Street Address tape field does not match audit field Street Address | No | difference due to formatting, XXX | 5/11/22 - Client provided a loan purchase voucher confirming address used. | 5/11/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has 5 years in the XXX |
| XXXXXXX | OBX2023J10160 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied | D A | D A | CMPDOC806 | Notary Status is missing | No | Mortgage is missing Notary date by Notary Public | 07.05.2022 - Client provided Notary page dated. | 07.05.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 04/25/22.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 801, BOA Matrix Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have almost five years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXX (cash to close) = XXXXX/XXXX= XX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10160 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing letter from CPA, Balance sheet and/or Cash-Flow Analysis Worksheet confirming the large withdrawal/large deposits for EMD/closing costs from Business Account XXX | 6/29/22 - Client provided XXX statements showing deposits. | 6/29/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 04/25/22.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 801, BOA Matrix Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have almost five years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXXX (cash to close) = XXXXX/XXXXX= XX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10160 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal report. | 6.21.2022 - Client provided updated HMDA tape | 06.21.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report dated 04/25/22.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 801, BOA Matrix Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have almost five years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/28/22, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXXX-XXXXX (cash to close) = XXXXX/XXX= XXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10252 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5202 | Street Address tape field does not match audit field Street Address | No | Address spelled incorrectly on tape | 08.02.2022 - Updated HMDA tape received | 08.02.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 779, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 06/07/2022, borrowers have 0x30 derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXXX(cash-to-close) = XXXX/XXXXX = XXX in PITIA reserves (exceeds 6 mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 39.15%, XXX Maximum: 45% |
| XXXXXXX | OBX2023J10252 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 08.02.2022 - Updated HMDA tape received | 08.02.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 779, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 06/07/2022, borrowers have 0x30 derogatory account history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXX(cash-to-close) = XXXXX/XXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement).<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 39.15%, XXX Maximum: 45% |
| XXXXXXX | OBX2023J10204 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value for appraisal not provided with current tape | 7/13/2022- Client uploaded tape for review; however still incorrect. Tape reflects appraised value of $XXX and actual appraised value is $XXX 07.14.2022 - Client provided updated HMDA tape | 7/13/2022- Exception remains07.14.2022 - Exception satisfied | (No Data) | Not Applicable | (No Data) |
| XXXXXXX | OBX2023J10031 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing letter of authorization instructing closure of HELOC for future draws. | 1.31.22: Lender provided the signed authorization to close the HELOC account with XXX. | 1.31.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX; XXXXX (fully verified, post close assets). Investor Reserves Requirement; XXXX; XXX (post close assets exceeds investor requirement). |
| XXXXXXX | OBX2023J10031 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Right of Rescission | Satisfied | C A | C A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Missing ROR signed by non-borrowing spouse. | 02.11.22 - Lender provided ROR signed by non-borrowing spouse. | 02.11.22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX; XXXX (fully verified, post close assets). Investor Reserves Requirement; XXXX; XXXXX (post close assets exceeds investor requirement). |
| XXXXXXX | OBX2023J10031 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5200 | Loan Purpose tape field does not match audit field Loan Purpose | No | Cash-Out; Process pays off HELOC + IRS Debt. | 01.20.22 - Lender provided LPV - Tape matches loan purpose of cash-out refi | 01.20.22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX; XXXXXX (fully verified, post close assets). Investor Reserves Requirement; XXXX; XXXXX (post close assets exceeds investor requirement). |
| XXXXXXX | OBX2023J10031 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing letter of authorization instructing closure of HELOC (XXX) for future draws. | 1.31.22: Lender provided the signed authorization to close the HELOC account with XXX. | 1.31.22: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over eight years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX; XXXXX (fully verified, post close assets). Investor Reserves Requirement; XXXX; XXXXX (post close assets exceeds investor requirement). |
| XXXXXXX | OBX2023J10097 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | DU in file was approved as Approve/Ineligible due to loan amount of $XXX exceeding the $XXX tolerance loan amount for county code XXX 1008 also shows loan approved with the DU Approve/Ineligible in file. Missing final Eligible AUS. | 5/3/22 - Client response 'DISAGREE: This is the JUMBO AUS program and the loan amount is required to be above the Conforming loan limit. Please clear this condition.' | 5/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 employed with XXX for 14.9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the XXX for 14.9 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 725 mid-score qualified per CBR. |
| XXXXXXX | OBX2023J10097 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER2548 | Missing AUS or AUS errors present | No | DU in file was approved as Approve/Ineligible due to loan amount of $XXX exceeding the $XXX tolerance loan amount for county code XXX. 1008 also shows loan approved with the DU Approve/Ineligible in file. Missing final Eligible AUS. | 5/3/22 - Client response 'DISAGREE: This is the JUMBO AUS program and the loan amount is required to be above the Conforming loan limit. Please clear this condition.' | 5/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 employed with XXX for 14.9 years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in the XXX for 14.9 years.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 725 mid-score qualified per CBR. |
| XXXXXXX | OBX2023J10210 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing verification of rent and/or cancelled checks (12 mos.) for rent expense of departing residence located at XXX. | 8/2/22 - Client response 'This is an AUS product. The borrower is purchasing a primary residence and a housing payment history is not required to be documented per DU.' AUS in file did not require housing history. | 8/2/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twelve years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 0x30 derogatory account history (oldest tradeline of 09/1980)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 810, XXX Minimum: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 34.30%, XXX Maximum: 45% |
| XXXXXXX | OBX2023J10210 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal report. | 8/2/22 - Client provided tape value of XXX. | 8/22/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twelve years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 0x30 derogatory account history (oldest tradeline of 09/1980)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 810, XXX Minimum: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 34.30%, XXX Maximum: 45% |
| XXXXXXX | OBX2023J10210 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | 1. Missing signed and dated letter of explanation addressing $XXX | 8/3/22 - Client provided LOE and statement proof of $XXX | 8/3/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twelve years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 0x30 derogatory account history (oldest tradeline of 09/1980)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 810, XXX Minimum: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 34.30%, XXX Maximum: 45% |
| XXXXXXX | OBX2023J10333 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Projected 6 month requirement of $XXXX was not met. Gift funds were directly sent to lender, which was deducted from total closing costs. | 09/22/22: Lender provided copies of asset statements used in original review. Per asset docs provided, asset reserve total (after cash to close) is XXXXX. Reserve total equals 5.2 mos of reserves. Below the 6 month guideline reserve requirement. 09.26.2022 - Lender states Total verified assetswith XXX | 09/22/22: Exception remains09.26.2022 - Exception remains09.29.22 - Exception remains10/06/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrowers have over five years in current professions.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 784, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10373 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller paid RE Commissions listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25.2 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR. |
| XXXXXXX | OBX2023J10373 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25.2 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR. |
| XXXXXXX | OBX2023J10373 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5203 | City tape field does not match audit field City | No | City per Note is XXX | 11.4.2022 - Updated HMDA tape received. | 11.04.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25.2 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR. |
| XXXXXXX | OBX2023J10373 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape appraisal value $XXX | 11.4.2022 - Updated HMDA tape received. | 11.04.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 25.2 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 99 months of 0x30 consumer history per CBR. |
| XXXXXXX | OBX2023J10191 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing two-year history via end of the year paystubs and/or Written Verification of Employment for XXX documenting both variable Base and Bonus Income with XXX. 2. Missing two-year history via end of the year paystubs and/or Written Verification of Employment for XXX documenting Commission Income with XXX. 3. Missing Personal Tax Returns (1040 - with all forms and schedules) for rental income used in review. 4. Missing documentation (i.e., credit report supplement, billing statement, letter from financial institution, etc.) confirming the following debts where paid-off: XXX | 6/23/22 - Client provided a VVOE dated 5/26/22 showing active employment within 10 days of Note date. Client also provided the addendum to CD (page 6) showing payoffs of XXX loans as well as WVOE's for both borrower showing 2 year history. | 6/23/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over six years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 04/09/2022, the borrowers have no derogatory account history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 785, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10191 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied | B A | B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | XXX verbal verification is not dated within ten business of Note Date. | 6/23/22 - Client provided a VVOE dated 5/26/22 showing active employment within 10 days of Note date. | 6/23/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over six years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 04/09/2022, the borrowers have no derogatory account history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 785, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10191 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | 1. Missing two-year history via end of the year paystubs and/or Written Verification of Employment for XXX documenting both variable Base and Bonus Income with XXX. 2. Missing two-year history via end of the year paystubs and/or Written Verification of Employment for XXX documenting Commission Income with XXXX. 3. Missing Personal Tax Returns (1040 - with all forms and schedules) for rental income used in review. | 6/23/22 - Client provided a written VOE for both borrowers with 2 year history. | 6/23/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over six years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 04/09/2022, the borrowers have no derogatory account history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 785, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10191 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation (i.e., credit report supplement, billing statement, letter from financial institution, etc.) confirming the following debts where paid-off: 1. XXX | 6/23/22 - Client provided the addendum to CD (page 6) showing payoffs of XXX | 6/23/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over six years in current residence.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 04/09/2022, the borrowers have no derogatory account history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 785, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10233 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXXX-XXXXX (cash toclose)=XXXXXX/XXXX= XXXXX (exceeds 6 mos. requirement).<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 04/16/2022, the borrowers have no history of derogatory accounts.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/16/2022, the borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10233 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 07/27/22: Lender provided copy of HMDA report showing correct value | 07/27/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 795, XXX Minimum: 700<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty years in current profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXXX - XXXXXX (cash to close)=XXXXX/XXXX= XXXX (exceeds 6 mos. requirement).<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 04/16/2022, the borrowers have no history of derogatory accounts.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 04/16/2022, the borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10209 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing confirmation from IRS that the taxes due (1040 2021) in the amount of $XXXX are paid. | 07/11/22: 2021 tax return in provided confirms amount due to IRS, Final CD in file shows this amount paid to the IRS | 07/11/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 750, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/11/2022, the borrower has no derogatory accounts.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.34%, XXX Max: 45% |
| XXXXXXX | OBX2023J10209 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 750, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/11/2022, the borrower has no derogatory accounts.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.34%, XXX Max: 45% |
| XXXXXXX | OBX2023J10209 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing Gift Letter as well as source of funds supporting funds in the amount of XXX cleared respective liquid account(s). Also, please provide source for EMD, donor's (XXX) funds were also used for EMD in the amount of $XXXX, missing source account. | 07/11/22: Client uploaded CD that reflected gifts for $XXXX and copy of EMD receipt from donor, along with executed gift letter for combined amts totaling $XXXX. | 7/11/2022- Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 750, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: Per credit report dated 05/11/2022, the borrower has no derogatory accounts.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.34%, XXX Max: 45% |
| XXXXXXX | OBX2023J10214 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-eight years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 780, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 0x30 derogatory accounts per credit report dated 06/14/22.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX (cash to close) = XXXXX / XXXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10214 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5205 | Postal Code tape field does not match audit field Postal Code | No | Postal Code per XXX | 08/08/22: Lender provided copy of updated HMDA information | 08/08/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-eight years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 780, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 0x30 derogatory accounts per credit report dated 06/14/22.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; $449,003.84-$361,378.21 (cash to close) = $87,625.63 / $10,006 = 8.75 in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10214 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | The tape value is missing appraisal value. | 08/08/22: Lender provided copy of updated HMDA information | 08/08/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-eight years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 780, XXX Minimum: 700<br>CFCFS2860: Good credit history<br> - Clayton Comments: The borrower has 0x30 derogatory accounts per credit report dated 06/14/22.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXXX-XXXXX (cash to close) = XXXXX / XXXXXX = XXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10222 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Since oldest tradeline of 08/07/2001, the borrower have only one 1x30 derogatory account history.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have over fifteen years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 761, FICO XXX Minimum: 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX (cash-to-close) =XXXXX/XXX=XXXXX in PITIA reserves (exceeds 6 mos. requirement). |
| XXXXXXX | OBX2023J10337 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.6 years at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 745 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 82 months of 0x30 consumer history. |
| XXXXXXX | OBX2023J10360 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 60 months of reserves in file. |
| XXXXXXX | OBX2023J10360 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value of XXX | 11/10/22: Lender provided updated HMDA to show property value of XXX | 11/10/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 23 years in the XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 mid-score per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 60 months of reserves in file. |
| XXXXXXX | OBX2023J10352 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 - 25 years in XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 months of 0x30 mortgage history per CBR. |
| XXXXXXX | OBX2023J10352 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value XXX | 11.03.2022 - Updated HMDA tape received. | 11.03.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 9 years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 - 25 years in XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 46 months of 0x30 mortgage history per CBR. |
| XXXXXXX | OBX2023J10361 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are verified per seller CD there is no material issue. Exception satisfied. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years living at departure residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXX months of reserves in file. |
| XXXXXXX | OBX2023J10361 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value missing for appraisal value; appraisal in file shows a value of XXX | 10/28/22: Lender provided updated HMDA tape showing value | 10/28/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 31 years living at departure residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: XXXX months of reserves in file. |
| XXXXXXX | OBX2023J10009 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing letter of authorization (sign and dated) from lender that directs closure for future draws of HELOC associate with subject property (XXX). | 10/12/21: Lender provided the HUD showing the XXX payoff statement. Still missing the borrowers signed authorization to close the HELOC account. 10/15/21: Lender provided the identical documentation previously submitted. Still missing the Borrowers Signed Authorization to close the HELOC account. 11.02.21 - Lender provided Notarized Unofficial Document from XXX | 10/12/21: Exception remains. 10/15/21: Exception remains.11.02.21: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-four years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report. |
| XXXXXXX | OBX2023J10009 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D A | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | HMDA Tape and Appraisal Report match in value. | 1/3/21: Tape provided | 1/3/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-four years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report. |
| XXXXXXX | OBX2023J10009 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing letter of authorization (sign and dated) from lender that directs closure for future draws of HELOC associate with subject property (XXX). | 10/12/21: Lender provided the HUD showing the XXX payoff statement. Still missing the borrowers signed authorization to close the HELOC account.10/15/21: Lender provided the identical documentation previously submitted. Still missing the Borrowers Signed Authorization to close the HELOC account. 11.02.21 - Lender provided Notarized Unofficial Document from XXX | 10/12/21: Exception remains.10/15/21: Exception remains.11.02.21: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-four years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report. |
| XXXXXXX | OBX2023J10009 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor D A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's income calculation worksheet for "Bonus" and "Auto-Allowance" sources of income. | 10/12/21: Lender provided a calculation worksheet for YTD income and 24 month average. No calculation was provided for bonus income or "other" income.10/15/21: Lender provided documentation to include the WVOE previously in file. Still missing lenders income calculation worksheet to include bonus and other income calculation.11.02.21: Lender provided same income calculation worksheet which does not included breakdown of Bonus income calculation and Auto-Allowance calculation.12/20/21: Lender provided the income calculation worksheet. | 10/12/21: Exception remains.10/15/21: Exception remains.11.02.21: Exception remains.12/20/21: Exception satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has over twenty-four years in current profession.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No derogatory accounts per credit report. |
| XXXXXXX | OBX2023J10211 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing letter of explanation from borrower (b1) confirming no HOI/HOA is due for the following property: XXX | 07/11/22: Client uploaded LOX from borrower stating property is vacant land and also no HOA required. | 04/11/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXX-XXXXX=XXXX/XXXX=XXX in pitia reserves (exceeds 6 mos. requirement).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 709, XXX: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.68%, XXX Max: 45%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/31/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 64.92, XXX Max: 80% |
| XXXXXXX | OBX2023J10211 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing receipt of funds (sale of REO) for the following property: XXX | 7/6/2022- Client uploaded Settlement stmt from sale of home. Net proceeds $XXX | 7/6/22 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX/XXXXX=XX in pitia reserves (exceeds 6 mos. requirement).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 709, XXX: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.68%, XXX Max: 45%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/31/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 64.92, XXX Max: 80% |
| XXXXXXX | OBX2023J10211 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing letter of explanation from borrower (b1) confirming no HOI/HOA is due for the following property: XXX | 07/11/22: Client uploaded LOX from borrower stating property is vacant land and also no HOA required. | 07/11/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX/XXXX=XXX in pitia reserves (exceeds 6 mos. requirement).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 709, XXX: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.68%, XXX Max: 45%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/31/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 64.92, XXX Max: 80% |
| XXXXXXX | OBX2023J10211 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing from appraisal report. | 07/12/22: Lender provided property value tape | 07/12/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets; XXXXX-XXXXX=XXXX/XXXX=XXXX in pitia reserves (exceeds 6 mos. requirement).<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 709, XXX: 700<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI: 38.68%, XXX Max: 45%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/31/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 64.92, XXX Max: 80% |
| XXXXXXX | OBX2023J10165 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing annual(s) 1040 with complete Schedules (i.e., Schedule 1, Schedule E, etc.) for rental income (XXX) and income validation purposes. 2. Missing complete 1065 2021 with all applicable pages and schedules for the following businesses; XXX(documentation must be signed by the borrower). | 06/29/22: Lender provided LOE's from borrower stating all businesses were dissolved. Review of income shows no income from these businesses were used in qualifying. 06/29/22: File is still missing copies of 1040 with all schedules to verify rental income.07/28/22: Lender provided copies 2019 & 2020 tax returns with all schedules | 06/29/22: Exception remains07/28/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-two years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 751, XXX Minimum: 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 44.73, XXX Max: 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/05/2022, borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10165 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape Value is missing appraisal value. | 06.28.2022 - Client provided updated HMDA tape. | 06.28.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-two years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 751, XXX Minimum: 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 44.73, XXX Max: 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/05/2022, borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10165 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | 1. Missing annual(s) 1040 with complete Schedules (i.e., Schedule 1, Schedule E, etc.) for rental income (XXX) and income validation purposes. 2. Missing complete 1065 2021 with all applicable pages and schedules for the following businesses; XXX (documentation must be signed by the borrower). | 06/29/22: Lender provided LOE's from borrower stating all businesses were dissolved. Review of income shows no income from these businesses were used in qualifying. 06/29/22: File is still missing copies of 1040 with all schedules to verify rental income.07/28/22: Lender provided copies 2019 & 2020 tax returns with all schedules | 06/29/22: Exception remains07/28/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-two years in current profession.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 751, XXX Minimum: 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV: 44.73, XXX Max: 75%<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 05/05/2022, borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10206 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | CMPTRID5215 | TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed. | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | (No Data) | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.9 years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in the XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 74 months of 0x30 consumer credit history per CBR. |
| XXXXXXX | OBX2023J10206 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5202 | Street Address tape field does not match audit field Street Address | No | Loan tape is missing subject street address. | 07.15.2022 - Client provided updated HMDA tape. | 07.15.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.9 years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in the XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 74 months of 0x30 consumer credit history per CBR. |
| XXXXXXX | OBX2023J10206 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Loan tape is missing subject appraisal value. | 07.15.2022 - Client provided updated HMDA tape. | 07.15.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4.9 years living at departure residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years in the XXX.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 74 months of 0x30 consumer credit history per CBR. |
| XXXXXXX | OBX2023J10230 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing source of funds for gift in the amount of XXX | 09/27/22: Lender provided copy of closing HUD 1 from departing residence. Source of funds from gift is tied to sale of departing residence from spouse | 09/27/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-five years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over fourteen years in current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX - XXXXX (cash-to-close) = XXXXX / XXXXX = XXXXX in PITIA reserves (exceeds XX mos. requirement).<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/12/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10230 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | The tape value is missing a value exceeding XXX | 09/22/22: Lender provided copy of updated tape value | 09/22/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has twenty-five years in current profession.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has over fourteen years in current residence.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXX - XXXXX (cash-to-close) = XXXXXX / XXXXX = XXXX in PITIA reserves (exceeds XX mos. requirement).<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 08/12/2022, borrower does not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10279 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing the complete 1065 2020 for XXX. 2. Missing documentation (i.e., 12 months of cancelled checks) confirming XXX | 08/24/22: Lender provided copies of 2020 1065 for XXX | 08/24/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXX z(cash-to-close) = XXXXX / XXXXX = XXXX in PITIA Reserves (exceeds X mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have over fifteen years in respective professions.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 705, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10279 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied | D A | D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing the complete XXX | 08/24/22: Lender provided copies of 2020 1065 for XXX | 08/24/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXX z(cash-to-close) = XXXX / XXXXX = XXXX in PITIA Reserves (exceeds X mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have over fifteen years in respective professions.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 705, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10279 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation (i.e., 12 months of cancelled checks) confirming XXX | 08/24/22: Lender provided copy of LOX stating borrower is not owner of XXX. Borrower was co-signer of auto loan with payments made by corporation. Lender also provided copy of Secretary of State detail entity to show borrower is not owner of corporation | 08/24/22: Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: XXXXX-XXXXX z(cash-to-close) = XXXXX / XXXXX = XXXX in PITIA Reserves (exceeds X mos. requirement).<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have over fifteen years in respective professions.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 705, XXX Minimum: 700<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 07/11/2022, borrowers do not have any major mortgage related occurrences during the past two years. |
| XXXXXXX | OBX2023J10114 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Missing CD signed at consummation XXX | 06.06.2022 - Client provided Final CD | 06.06.2022 - Exception satisfied | (No Data) | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/31/2022, borrower do not have any major mortgage related occurrences during the past two years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The co-borrower has ten years in current profession. |
| XXXXXXX | OBX2023J10114 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | An additional refund for $50 is due to the CIC in the file for the increase in Appraisal fee only states "Other" a detailed description of the change is required to tie out to the fee effected in order to considered valid. Missing valid CIC for increase in Appraisal or Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation. | 06.06.2022 - Client provided email stating reason for increase due to complexity of property. | 06.06.2022 - 06.06.2022 - Exception satisfied | Numeric | Not Applicable | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 03/31/2022, borrower do not have any major mortgage related occurrences during the past two years.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The co-borrower has ten years in current profession. |
| XXXXXXX | OBX2023J10221 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | HMDA | Satisfied | C A | C A | CRDHMDA5211 | Property Value tape field does not match audit field Appraised Value | No | Tape value states "XXX | 07/27/22: Lender provided copy of HMDA report showing correct value | 07/27/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eighteen years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/27/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Since oldest tradeline of 07/02/2002 per credit report dated 06/08/22, borrowers have 0x30 derogatory accounts history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 793, XXX Minimum: 700 |
| XXXXXXX | OBX2023J10221 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing letter of explanation confirming borrowers do not have a primary housing expense for property located at XXX (occupying residence between previous residence of XXX | 07/27/22: Lender provided copy of consumer LOX showing no ownership in REO located at XXX | 07/27/22: Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has eighteen years in current profession.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Per credit report dated 06/27/2022, borrowers do not have any major mortgage related occurrences during the past two years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Since oldest tradeline of 07/02/2002 per credit report dated 06/08/22, borrowers have 0x30 derogatory accounts history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: FICO: 793, XXX Minimum: 700 |

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## Exhibit 99.10

**Exhibit 99.10**

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| | |
|:---|:---|
| **Client Name:** | **XXXXX** |
| **Client Project Name:** | **OBX -2023-J1** |
| **Start - End Dates:** | **6/2021 - 11/2022** |

---

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | ***Loans in Report:*** | *72* | *72* | *72* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Investor ID** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| XXXXXX | OBX2023J10260 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10189 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | B | B | C | B | C | A | A | A | B | B | Not Applicable |
| XXXXXX | OBX2023J10007 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10003 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10020 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10167 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10030 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| XXXXXX | OBX2023J10081 | Yes | XXXXXX | XXXXXX | C | B | C | B | C | A | A | A | C | B | C | B | C | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10166 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10001 | Yes | XXXXXX | XXXXXX | D | A | D | A | D | A | D | A | D | A | D | A | D | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10200 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10283 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10216 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10285 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10199 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10103 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10032 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10022 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10010 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| XXXXXX | OBX2023J10162 | Yes | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10033 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10157 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10013 | Yes | XXXXXX | XXXXXX | C | B | C | A | C | A | C | B | C | B | C | A | C | A | C | B | Not Applicable |
| XXXXXX | OBX2023J10371 | Yes | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10237 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10228 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | B | B | D | B | D | A | A | A | B | B | Not Applicable |
| XXXXXX | OBX2023J10305 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10218 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10297 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10256 | Yes | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10244 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10253 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10343 | Yes | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10306 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| XXXXXX | OBX2023J10325 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10339 | Yes | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| XXXXXX | OBX2023J10229 | Yes | XXXXXX | XXXXXX | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10341 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10205 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10294 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10005 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10080 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10290 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10038 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| XXXXXX | OBX2023J10112 | Yes | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| XXXXXX | OBX2023J10184 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10156 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10160 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10252 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10204 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10031 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10097 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10210 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10333 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10373 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10191 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10233 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10209 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10214 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10222 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10337 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10360 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10352 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10361 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10009 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10211 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10165 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10206 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10230 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | OBX2023J10279 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10114 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXXXX | OBX2023J10221 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Client Name:** | XXXXX | XXXXX | XXXXX |  |  |
| **Client Project Name:** | OBX 2023-J1 | OBX 2023-J1 | OBX 2023-J1 |  |  |
| **Start - End Dates:** | 6/2021 - 11/2022 | 6/2021 - 11/2022 | 6/2021 - 11/2022 |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| **Loan Number** | **Redacted Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | OBX2023J10260 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10260 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10007 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10003 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10167 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10167 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10081 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10216 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10199 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10199 | XXXXXX | Property City | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10199 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10032 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10032 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10157 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10157 | XXXXXX | Property Zip | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10013 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10013 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10237 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10305 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10218 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10297 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10253 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10306 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10325 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10325 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10325 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10339 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10205 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10205 | XXXXXX | Original Term | 359 | 360 |
| XXXXXX | OBX2023J10294 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10080 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10038 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10112 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10112 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10184 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10156 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10156 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10156 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10252 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10252 | XXXXXX | Property Street Address | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10204 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10204 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10204 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10031 | XXXXXX | Borrower 1 Last Name | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10031 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10031 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10097 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10373 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10373 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10191 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10233 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10209 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10222 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10337 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10352 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10361 | XXXXXX | Borrower 1 First Name | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10361 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10361 | XXXXXX | Original LTV | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10009 | XXXXXX | First Payment Date | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10211 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10206 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10230 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10279 | XXXXXX | Occupancy Type | Investor | Primary |
| XXXXXX | OBX2023J10279 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10114 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | OBX2023J10221 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
|©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.12

**Exhibit 99.12**

---

| | |
|:---|:---|
| **Client Name:** | XXXXXX |
| **Client Project Name:** | OBX 2023-J1 |
| **Start - End Dates:** | 6/2021 - 11/2022 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Valuations Summary** | **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *Loans in Report:* | *72* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |  |
| **Loan Number** | **Redacted Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU Score** | **Valuation Comments** |
| XXXXXX | OBX2023J10260 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10189 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10007 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10003 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10020 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10167 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10030 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10081 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10166 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10001 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10200 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10283 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10216 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -0.58% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10285 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10199 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10103 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10032 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10022 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10010 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10162 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10033 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10157 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10013 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10371 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10237 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10228 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 8.33% | Full Appraisal |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10305 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10218 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10297 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10256 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10244 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10253 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10343 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10306 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10325 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10339 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10229 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10341 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -6.53% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10205 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10294 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10005 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10080 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10290 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10038 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10112 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10184 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10156 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10160 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10252 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10204 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10031 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10097 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10210 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10333 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10373 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10191 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10233 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10209 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10214 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10222 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10337 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10360 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10352 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10361 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10009 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10211 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | -3.57% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10165 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10206 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10230 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10279 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10114 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |
| XXXXXX | OBX2023J10221 |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Desk |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |  |

---

## Exhibit 99.13

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **XXXX** | **XXXX** | **XXXX** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **OBX 2023-J1** | **OBX 2023-J1** | **OBX 2023-J1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **6/2021 - 11/2022** | **6/2021 - 11/2022** | **6/2021 - 11/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *72* | *72* | *72* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |  |
| XXXXXX | OBX2023J10260 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2261 | XXXXXX | 6.0763 | Employed | Unemployed | Permanent Resident Alien | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10189 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13459.8 | XXXXXX | 5.2559 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10007 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1720.25 | XXXXXX | 2.9043 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10003 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6132.2 | XXXXXX | 2.9396 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10020 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1340 | XXXXXX | 3.0114 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10167 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 3061 | XXXXXX | 5.5319 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10030 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1780.25 | XXXXXX | 3.3269 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10081 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10447.97 | XXXXXX | 3.4624 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10166 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1605.25 | XXXXXX | 5.7125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10001 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 3490.41 | XXXXXX | 3.4141 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10200 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1295 | XXXXXX | 5.6401 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10283 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1705.25 | XXXXXX | 5.3987 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10216 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1695 | XXXXXX | 5.7814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10285 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2505.25 | XXXXXX | 5.779 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10199 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 8295 | XXXXXX | 5.8073 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10103 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 17243.35 | XXXXXX | 4.6604 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10032 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 12587 | XXXXXX | 3.5517 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10022 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 8780.74 | XXXXXX | 3.0249 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10010 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | Yes | Yes | 1883.25 | XXXXXX | 3.0324 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10162 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4545.25 | XXXXXX | 5.5664 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10033 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 34685.74 | XXXXXX | 3.4933 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10157 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1725.25 | XXXXXX | 4.8919 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10013 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 2564.25 | XXXXXX | 3.0281 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10371 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9918.89 | XXXXXX | 7.6194 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10237 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1825.25 | XXXXXX | 5.9028 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10228 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1129 | XXXXXX | 5.8932 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10305 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9042.58 | XXXXXX | 5.4946 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10218 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11495 | XXXXXX | 6.3593 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10297 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9789.5 | XXXXXX | 5.2592 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10256 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10632.1 | XXXXXX | 6.0368 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10244 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 15304.4 | XXXXXX | 6.0093 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10253 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 11894.84 | XXXXXX | 6.1201 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10343 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 13854 | XXXXXX | 5.8698 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10306 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1305.25 | XXXXXX | 5.64 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10325 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1595.25 | XXXXXX | 5.3574 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10339 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2630 | XXXXXX | 5.7461 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10229 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1965 | XXXXXX | 6.2692 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10341 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16006.82 | XXXXXX | 5.8286 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10205 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4872.68 | XXXXXX | 5.5573 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10294 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2014.75 | XXXXXX | 4.8487 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10005 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1625.25 | XXXXXX | 2.8953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10080 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2200 | XXXXXX | 3.3938 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10290 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1875 | XXXXXX | 6.4024 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10038 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2149 | XXXXXX | 3.3978 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10112 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2199 | XXXXXX | 4.7746 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10184 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1724 | XXXXXX | 5.2308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10156 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2295 | XXXXXX | 4.7831 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10160 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1800 | XXXXXX | 5.2676 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10252 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2503 | XXXXXX | 5.8971 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10204 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 14795 | XXXXXX | 5.2227 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10031 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2170 | XXXXXX | 3.5149 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10097 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2370 | XXXXXX | 4.1366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10210 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2045 | XXXXXX | 5.5775 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10333 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2002.25 | XXXXXX | 6.0409 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10373 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4008.31 | XXXXXX | 6.9082 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10191 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6029.89 | XXXXXX | 5.3188 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10233 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2671 | XXXXXX | 5.8851 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10209 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2063.76 | XXXXXX | 5.5439 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10214 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 10897.9 | XXXXXX | 5.9434 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10222 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1255.5 | XXXXXX | 6.0097 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10337 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 4028.5 | XXXXXX | 6.4089 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10360 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6108.2 | XXXXXX | 7.4483 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10352 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 9655.3 | XXXXXX | 6.4882 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10361 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.9656 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10009 | QM: Safe Harbor | No | Yes | XXXXXX | XXXXXX | No | Yes | 1805.25 | XXXXXX | 2.9122 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10211 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 110.25 | XXXXXX | 5.6422 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10165 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2902 | XXXXXX | 5.2837 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10206 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 2527.92 | XXXXXX | 5.4063 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10230 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 12125.25 | XXXXXX | 5.6993 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10279 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 1405.25 | XXXXXX | 6.2659 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10114 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 5870.25 | XXXXXX | 5.08 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |
| XXXXXX | OBX2023J10221 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 810.25 | XXXXXX | 5.894 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0.0 |

---

## Exhibit 99.14

**Exhibit 99.14**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | **XXXXXX** | **XXXXXX** |  |  |
| **Client Project Name:** | **OBX 2023-J1** | **OBX 2023-J1** |  |  |
| **Start - End Dates:** | **6/2021 - 11/2022** | **6/2021 - 11/2022** |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** | **Waived Conditions Summary** |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Compliance | Right of Rescission | CMPROR117 | ROR - Expiration date on form prior to end of rescission period | 2 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 1 |
| Compliance | Right of Rescission | CMPROR1911 | Incorrect ROR Form Used - H9 Form Used in Refinance With Different Creditor | 1 |
| Compliance | RESPA | CMPRESPA2704 | RESPA - List of homeowners counseling organizations not compliant | 1 |
| Compliance | RESPA | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | 1 |
| **Total** |  |  |  | **6** |
| <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2023 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.15

**Exhibit 99.15**

**EXECUTIVE SUMMARY<br> Third Party Due Diligence Review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third party due diligence provider, performed the review described below on behalf of its client, Bank of America, N.A. The review included a total of 291 newly originated residential mortgage loans, in connection with the securitization identified as OBX 2023-J1 (the "Securitization"). Credit, Compliance, and Data Integrity reviews were performed on a population of 73 loans. Credit, Compliance, Data Integrity, and Pay History reviews were performed on a population of 116 loans. Only Pay History reviews were performed on a population of 102 loans. The Review was conducted from June 2021 through January 2023 on mortgage loans originated between May 2021 and November 2022.

**Scope of Review**

**Credit Review**

Consolidated Analytics performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate borrower(s) monthly gross income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate funds required to close, required reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate all concurrent loans are included in the DTI to properly assess
the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate debt-to-income ratio (DTI) based upon income and debt documentation
provided in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review credit report for credit history and required credit depth including
any / all inquiries

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Determine representative credit score from credit report

* Validate loan-to-value (LTV) and combined loan-to-value

* Review borrower's occupancy

* Validation through third party resource of the subject properties most recent
twelve (12) month sales history

* Confirm sufficient evidence in loan file, by reviewing the underwriter's
decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to
repay the debt

* Confirm that Final 1003 is sufficiently completed

* Provide Audit 1008 with accurate data based on file documentation

* Confirm Loan Approval conditions were met

* Review condominium questionnaire to verify all information is complete, prepared
by an authorized representative, and address any red flags that may deem condominium project ineligible

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID
Regulations

&nbsp;&nbsp;&nbsp;&nbsp;b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by
TRID Regulations

&nbsp;&nbsp;&nbsp;&nbsp;c. Tolerance Testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare Loan Estimate and Closing Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Identify Tolerance Violations and applicable cost to cure

&nbsp;&nbsp;&nbsp;&nbsp;d. Comprehensive review of Closing Disclosure to determine transaction accuracy

&nbsp;&nbsp;&nbsp;&nbsp;e. Recalculation of APR and Finance Charge

&nbsp;&nbsp;&nbsp;&nbsp;f. Testing of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal High Cost Mortgage provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Federal Higher Priced Mortgage Loans provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Local and/or State Anti-predatory and High Cost provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. HOEPA Points and Fees

&nbsp;&nbsp;&nbsp;&nbsp;g. Determine whether specified federal disclosures were provided timely based upon comparison of the application
date to the dates on such disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Service Provider List

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Home Ownership Counselling Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ARM Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Points & Fees Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment Penalty Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Product Eligibility Testing

&nbsp;&nbsp;&nbsp;&nbsp;i. Notice of Right to Cancel (Rescission) Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm transaction date, expiration date, and disbursement date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Confirm document is properly executed by all required parties to the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the correct Right of Rescission document was executed for the transaction
type

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm through NMLS the loan originator and originating firm's license status was active and properly
disclosed on appropriate loan documents

&nbsp;&nbsp;&nbsp;&nbsp;k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the
Loan(s)

&nbsp;&nbsp;&nbsp;&nbsp;l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent
with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Consolidated Analytics is relying in reaching such findings.

**Valuation Review**

Consolidated Analytics performed a "Valuation Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. Review original appraisal, determination that property is in "average" condition or better,
or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be
identified with the condition of the property, Consolidated Analytics will alert Client.

&nbsp;&nbsp;&nbsp;&nbsp;b. Review appraisal, determination that property is completely constructed and appraisal is on an "as
is basis," or property is identified as not completely constructed by originating appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser
indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable
value was provided and supported as of the effective date of the Origination Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;f. Ensure that the appraisal conforms to the guidelines provided from the Client.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review appraisal to ensure all required documents were included.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review location map provided within the appraisal for external obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;i. Ensure highest and best use and zoning complies with guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j. Confirm there are no marketability issues that affect the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;k. Ensure subject property does not suffer any functional obsolescence.

&nbsp;&nbsp;&nbsp;&nbsp;l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a
review could not be performed.

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products were not required when the CU score provided was 2.5 or below. In the event
the CU score was greater than 2.5, an additional valuation product was obtained to confirm value was supported within 10% tolerance. In
some instances, CDA's were ordered on loans that had an acceptable CU score based on guidance from the seller.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (189 loans in total):

Three (3) loans had a Secondary Appraisal, twenty-two (22) loans had AVMs, and one-hundred and eighty-five (185) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were six (6) occurrences of this.

Five (5) loans had a Field Review or BPO, zero loans (0) loans had a Full Appraisal Review, and three (3) loans had an Exterior Only Appraisal Review all of which supported value.

**Product totals may not sum due to multiple products for each loan**

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 189 mortgage loans reviewed, sixty-four (64) unique mortgage loans (33.86% by loan count) had a total of seventy-eight (78) different tape discrepancies across ten (10) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;36 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;21.79% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.41% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.41% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;4 | &nbsp;&nbsp;5.13% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.85% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Channel | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;UW FICO Utilized | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**78** | &nbsp;&nbsp;**100.00%** |

---

**PAY HISTORY REVIEW RESULTS SUMMARY**

For loans reviewed in a post-close valuation review scenario (218 loans in total), one (1) loan was found to have a discrepancy between the servicer provided string and the string calculated by Consolidated Analytics.

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 168 | $165500208.00 | 88.89% |
| Event Grade B | 21 | $23343220.00 | 11.11% |
| Event Grade C | 0 | $0 | 0% |
| Event Grade D | 0 | $0 | 0% |
| **Total Sample** | 189 | $188843428.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 178 | 94.18% |
| Event Grade B | 11 | 5.82% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 189 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 183 | 96.83% |
| Event Grade B | 6 | 3.17% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 189 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 182 | 96.30% |
| Event Grade B | 7 | 3.70% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 189 | 100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Compliance Grade of "B", a Credit Grade of "A", and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;179 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Discrepancy(s) Noted | &nbsp;&nbsp;87 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property is located in a FEMA disaster area | &nbsp;&nbsp;30 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Missing | &nbsp;&nbsp;23 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report is Only Partially Available | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Credit Report Indicator is Partial | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DTI Exceeds AUS Maximum Allowable | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Income Verification does not match Approval | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS is Partial | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Liquid Reserves (Months) are less than AUS Minimum Required. | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Employment Verification does not meet guidelines | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Liabilities Verified Indicator is Partial | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Employment Verification does not meet guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Credit Report Indicator is Partial | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Executed HELOC closure letter not provided. | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;CoBorrower Income Verification does not match Approval | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Housing history does not meet guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Updated credit report shows significant negative changes | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;CoBorrower Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Employment Verification Level is missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Final Loan Application is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset Documents are Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Occupancy Status | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Note Document Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Credit Report is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Transmittal Summary is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Servicing Comments are Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;ULI Number on URLA does not match ULI Number provided by the Lender | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 Income Verification is less than 12 months | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Fully Executed Purchase Contract is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***428*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;DTI Exceeds AUS Maximum Allowable | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;LTV Exceeds AUS Maximum Allowable | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;CLTV Exceeds the AUS Maximum Allowable | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Indicator is Partial | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Cash to Borrower Exceeds Maximum Allowable | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal date is greater than 120 days from Origination date. | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;AUS is Partial | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***16*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Escrow Waiver Disclosure is Missing | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR/QM Status is Pending | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Monitor Timing of Disclosures Finding | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Escrow Alert (12 CFR 1026.35(b)) | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Reimbursement Amount Validation Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Evidence of Rate Lock Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Home loan Toolkit is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Notice of Special Flood Hazards is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Late Fees Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***60*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Reimbursement Amount Test | &nbsp;&nbsp;2 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Home Loan | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Consummation or Reimbursement Date Validation Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;137 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party AVM to appraised value exceeds 10% allowable variance | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third party AVM Confidence Score is less than 80% | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***157*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Desk Review variance to appraised value exceeds 10% | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Is Completion Certificate in file is No | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |

---

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |

---

&nbsp;&nbsp;**Valuation Event Grades**

C The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

D The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

## Exhibit 99.16

**Exhibit 99.16**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| OBX2023J10021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/08/2021 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided.; Third Party Valuation Product Provided. | 01/04/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: GSE Temporary - QM/SH | Closed | 11/08/2021 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA data tape not provided.; NA |  |  | HMDA data tape provided.; HMDA data tape provided. | 12/14/2021 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/07/2021 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.<br> ; Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data tape provided. | 10/12/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10008 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/07/2021 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inspection. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with an incident end date of XX/XX/XXXX The appraisal in file is dated XX/XX/XXXXand shows no damage. Exception is for informational purposes only. ; Property is located in a FEMA disaster area with no post disaster inspection. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with an incident end date of XX/XXX/XXXX. The appraisal in file is dated XX/XX/XXXXand shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 10/07/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/19/2021 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.<br> ; Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data tape provided. | 10/20/2021 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/20/2021 | Cleared | 654 | Credit | CoBorrower Liabilities Verified Indicator is Partial | CoBorrower liabilities verified indicator is Partial: X. Missing proof of taxes for XXX property to confirm net rental income. X. Missing third party proof the XXX property is owned free and clear and proof of taxes and insurance to properly calculate rental income. (Lenders loan approval in file reflects this as a condition that was signed off on, however no supporting documentation was provided. Only an LOE was found in file stating no mortgage and the amount of the taxes and insurance.; Lender provided an LOE, proof of HOA and insurance; however, did not provide proof of taxes for XXX property and proof that XXX property is owned free and clear. Condition retained.; Proof of property taxes provided for XXX XXX property. Property in XXX XXX is owned free and clear as disclosed on the personal tax returns and LOE from borrowers. Property tax and insurance documentation also does not mention any mortgagees. No further documentation required, condition cleared. |  |  | CoBorrower liabilities verified indicator is Present | 11/02/2021 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10014 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/20/2021 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.<br> ; HMDA Data tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete (additional conditions may apply) |  |  | HMDA data tape provided. | 10/26/2021 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX is less than Guideline LTV of XXX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX is less than Guideline CLTV of XXX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/21/2021 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 12/30/2021 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/22/2021 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; The final CD reflects an Employment verification fee of $XXX. A change of circumstance or evidence of reimbursement was not provided. |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 12/30/2021 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/22/2021 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; The final CD reflects an Employment verification fee of $XXX. A change of circumstance or evidence of reimbursement was not provided. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 12/30/2021 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/22/2021 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; The final CD reflects an Employment verification fee of $XXX. A change of circumstance or evidence of reimbursement was not provided. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 12/30/2021 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 12/22/2021 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | FEMA declared XXX county in a disaster area (wildfires) on XXX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; Property is located in a FEMA disaster area with no post disaster inpection; The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage; Post disaster inspection confirms no property damage | 12/23/2021 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 01/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/14/2022 | Cured Post Close | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Lender must refund borrower $XX. | Change status of 'Consummation or Reimbursement Date Validation Test' from Cleared to Cured Post Close.; Lender provided the PCCD, LOE, and evidence of delivery. Loan will be graded a B. | 01/20/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 01/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/14/2022 | Cured Post Close | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more thanXXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi).; Lender added an Electronic Recording Service of $XXX and increased Recording Fees to $XXX without a valid Change of Circumstances form. | Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Cleared to Cured Post Close.; Lender provided the PCCD, LOE, and evidence of delivery. Loan will be graded a B. | 01/20/2022 | This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | 01/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/14/2022 | Cured Post Close | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Lender must refund borrower $XXX. | Change status of 'Reimbursement Amount Test' from Cleared to Cured Post Close.; Lender provided the PCCD, LOE, and evidence of delivery. Loan will be graded a B. | 01/20/2022 | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 01/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10024 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/14/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX XXX) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXXand shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (XXX XXX) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXXand shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 01/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/26/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (hurricane) onXX/XX/XXXX & XX/XX/XXXX, with a release date of XX/XX/XXXX & XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; FEMA declared XXX county in a disaster area (hurricane) onXX/XX/XXXX & XX/XX/XXXX, with a release date of XX/XX/XXXX & XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; FEMA declared XXX county in a disaster area (hurricane) onXX/XX/XXXX & XX/XX/XXXX, with a release date of XX/XX/XXXX & XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 01/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/26/2022 | Cleared | 2213 | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 01/31/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/31/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared. |  |  | Third Party Valuation Product Provided | 01/31/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/27/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of PITI for property at XXX, XXX listed on the XXX not on the credit report so may be a new loan); Lender provided PITIA for REO property. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 02/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10026 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/26/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 02/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 02/21/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 02/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 03/04/2022 | Cleared | 1248 | Credit | AUS is Partial | The AUS is Partial: Please provide updated AUS/DU findings giving rental income for XXX. Current DU findings is counting the full payment of $XXX in the DTI resulting in a DTI of XXX% which exceeds investor overlays. Please provide the updated AUS/DU findings showing a DTI not to exceed XXX%. Additional conditions may apply depending on what the AUS/DU findings request for verification of rental income. ; Audit has reviewed and determined that DU approved the DTI @ XXX%, Audit DTI is under that, therefore updated DU findings are not required. Condition cleared. ; Lender provided XXX however, did not provide updated AUS. Condition retained. |  |  | The AUS is received. | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 03/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 03/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 03/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 03/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 03/08/2022 | Acknowledged | 1427 | Credit | LTV Exceeds AUS Maximum Allowable | The original LTV of XXX exceeds the maximum allowable per AUS of XXX. Please provide updated AUS findings reflecting a purchase price of $XXX. ; Lender provided XXX however, did not provide updated AUS. Condition retained. | Change status of 'LTV Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to permit the XXX% LTV, this is deemed non-material, loan will be rated a B. | 05/13/2022 | Investor has granted an exception to permit the XXX% LTV, this is deemed non-material, loan will be rated a B. | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 03/08/2022 | Acknowledged | 1428 | Credit | CLTV Exceeds the AUS Maximum Allowable | The original CLTV of XXX exceeds maximum allowable per AUS of XXX. Please provide updated AUS findings reflecting a purchase price of $XXX. ; Lender provided XXXX; however, did not provide updated AUS. Condition retained. | Change status of 'CLTV Exceeds the AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to permit the XXX% CLTV, this is deemed non-material, loan will be rated a B. | 05/13/2022 | Investor has granted an exception to permit the XXX% CLTV, this is deemed non-material, loan will be rated a B. | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/07/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 03/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/07/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 03/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10028 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/07/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inspection. FEMA declared XXX county in a disaster area (severe winter storms) on XX/XX/XXXX, with an incident end data of XX/XX/XXXX. The appraisal in file is dated XXX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; Property is located in a FEMA disaster area with no post disaster inspection. FEMA declared XXX county in a disaster area (severe winter storms) on XX/XX/XXXX, with an incident end data of XX/XX/XXXX. The appraisal in file is dated XXX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> The exeception is currently marked as Non-Material. |  |  | Post disaster inspection confirms no property damage | 03/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/17/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX. Lender did not take into the account for the K-X loss income reporting on the IRS transcripts. (K-X income reporting: <br> XXX pg XXX<br> - XXX pg XXX<br> XXXX pg XXX<br> - XXXX pg XXX<br> - XXX pg XXX<br> XXX pg XXX<br> XXX pg XXX<br> - XXX pg XXX<br> - XXXX pg XXX<br> - XXX pg XXX<br> for a negative total of - XXXX / XX = (-$XXXX) (This was deducted from income)<br> ; Audit reviewed lender's response and has determined the original income used by lender of $XXX is considered the most conservative income for borrower. If all income was considered, WX base, WX bonuses and self-employment losses were considered the borrower's resulting income would be $XXX vs $XXX income originally used by lender. DTI is within tolerance of the AUS. Condition cleared. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | 03/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/16/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 03/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/29/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided.; Lender provided full fraud report. Condition cleared.; Missing pages X-XX of the report |  |  | Complete fraud report provided. | 04/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/29/2022 | Cleared | 3425 | Credit | Liquid Reserves (Months) are less than AUS Minimum Required. | Liquid Reserves XXX (Months) are less than AUS Minimum Required X.XX.; Liquid Reserves XXX (Months) are less than AUS Minimum Required X.XX.Insufficient assets to support reserve requirement of X months PITIA. AUS does not require any reserves however overlays require X mos reserves.File only has .XX of X mos required reserves.; Insufficient assets to support reserve requirement of X months PITIA. AUS does not require any reserve however overlays require X mos reserves.File only has .XX of X mos required reserves.; Lender provided additional asset documentation. Condition cleared. |  |  | Liquid Reserves XXX (Months) are greater than or equal to the AUS Minimum Required X.XX. | 04/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XX/XX/XXXX: HMDA review completed, please see addition condition added.<br> ; HMDA data tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete (additional conditions may apply) |  |  | HMDA data tape provided. | 04/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/06/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: X.) Universal Loan Identifier (ULI) missing – please provide X.) A HMDA Data Discrepancy has been identified for Loan Purpose. Audit Loan Purpose: Cashout Refinance vs Data Tape Home Improvement (per the XXXX). For HMDA purposes, the only time we classify as a home improvement is if the home was owned free and clear and the borrower took cash out to do home improvements. Lender may clear by acknowledging audit values are correct<br> ; Audit reviewed lender's response and has determined there is HMDA discrepancy. Audit Loan Purpose: Cashout Refinance vs Data Tape Home Improvement (per the XXXX). For HMDA purposes, the only time we classify as a home improvement is if the home was owned free and clear and the borrower took cash out to do home improvements. Lender may clear by acknowledging audit values are correct. Condition retained.; Lender acknowledges audit values are correct, condition cleared.; ULI provided: XXX still pending HMDA Data Discrepancy has been identified for Loan Purpose. Audit Loan Purpose: Cashout Refinance vs Data Tape Home Improvement (per the XXXX). For HMDA purposes, the only time we classify as a home improvement is if the home was owned free and clear and the borrower took cash out to do home improvements. Lender may clear by acknowledging audit values are correct |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 04/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CDA not provided. |  |  | Third Party Valuation Product Provided | 04/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/05/2022 | Acknowledged | 1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for XXX | Incorrect rescission model used - RTC form modelH-X used for XXX | Change status of 'Incorrect rescission model used - RTC form model H-X used for XXX ' from Active to Acknowledged by Client.;<br> Incorrect rescission model used - RTC form modelH-X used for XXX. This is deemed non-material, loan will be rated a B. | 04/11/2022 | This is deemed non-material, loan will be rated a B. | 04/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| OBX2023J10084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/05/2022 | Cleared | 2074 | Credit | Executed HELOC closure letter not provided. | Missing executed documentation HELOC is closed to future draws; Lender provided executed HELOC payoff statement which requests the line of credit to be closed upon payoff. Condition cleared.; Missing executed closing letter for HELOC with XXX. Document in file is not signed. |  |  | HELOC closure documentation provided | 04/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D C A |
| OBX2023J10084 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/01/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.<br> ; Hmda data tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due diligence firm to complete (additional conditions may apply) |  |  | HMDA data tape provided. | 04/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection; Property is located in FEMA disaster area. FEMA decleared XXX county in a disaster area on X/XX/XXXX, with a release date of X/XX/XXXX. The appraisal in the file is dated X/XX/XXXX and show no damanges. Exception is for informational purposes only.; Property is located in FEMA disaster area. FEMA decleared XXX county in a disaster area on X/XX/XXXX, with a release date of X/XX/XXXX. The appraisal in the file is dated X/XX/XXXX and show no damanges. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 05/04/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. Missing pages X-XX; Lender provided full fraud report. Condition cleared. |  |  | Complete fraud report provided. | 05/06/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 05/06/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/06/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | ULI provided. Condition cleared. | 05/10/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 05/06/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/19/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.<br> ; HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA data tape provided. | 05/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/23/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 05/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/23/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. Fraud report is incomplete. ; Missing pgs X-XX of the fraud report. |  |  | Lender provided the Fraud Report. All red flags addressed. Condition cleared. | 05/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/23/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to complete. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 05/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/26/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; ULI provided XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/26/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; ULI provided XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/26/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a - XXX% variance. Please see additional condition added. | 05/26/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/26/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Condition added X/XX/XXXX: Third party Desk Review variance of (-XX.XX%) exceeds XXXX% maximum allowed. Condition for informational purposes, DD Firm to order Exterior Only Inspection Appraisal Report (form XXXX). | Change status of 'Third Party Desk Review variance to appraised value exceeds XXXX%' from Active to Acknowledged by Client.;<br> Exterior-Only Inspection Residential Appraisal Report (XXXX) provided reflecting a variance of (-XXX%), which is within tolerance, no further documentation required, condition cleared. | 06/14/2022 | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.;<br> Exterior-Only Inspection Residential Appraisal Report (XXX) provided reflecting a variance of (-XXX%), which is within tolerance, no further documentation required, condition cleared. | 06/14/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/20/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 05/26/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10124 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/23/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. Missing pages X-XX. |  |  | Lender provided the complete fraud report. Condition cleared. | 05/26/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/25/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/03/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/26/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/25/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 05/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10168 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/25/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available |  |  |  | Lender provided the complete fraud report. Condition cleared. | 05/31/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/06/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/27/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/01/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/01/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI # XXX Condition cleared. | 06/10/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10118 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/31/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided.. Missing pages X-XX.; Lender provided full fraud report. Condition cleared. |  |  | Complete fraud report provided. | 06/02/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/01/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. ; Partial fraud report provided. Fraud report is missing pgs X-XX. |  |  | Lender provided the Fraud Report. All red flags addressed. Condition cleared. | 06/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/06/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the XXX Loan Identifier(ULI): XXX Condition cleared. | 06/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/01/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/01/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10161 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/06/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/07/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CDA not provided. ; Audit reviewed lender's response and has determined XXX overlays require a CDA. Condition retained.; Lender provided a XXX valuation report; however, did not provide a CDA. Condition retained. |  |  | Third Party Valuation Product Provided | 07/25/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B A C |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/07/2022 | Cleared | 1248 | Credit | AUS is Partial | The AUS is Partial; AUS will need to be rerun without alimony as the borrower has not received X mos of alimony as required by LP findings. (Confirmed with separation agreement.); Lender provided an AUS; however, the AUS still reflects the alimony income for the borrower. Per the DU, bullet point XX, six month receipt of the alimony is required. Condition retained.; Lender provided AUS completed through DU; however, the DU still shows alimony income for borrower was included in income calculation. Per the DU bullet point XX, six months receipt of alimony is required. Condition retained. |  |  | Lender provided updated AUS removing alimony income. Condition cleared. | 07/15/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B A C |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/07/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection; Property is located in a FEMA disaster area, FEMA declared XXX county in a disaster area (Hurricane) on X/X/XXXX, with a release date of X/X/XXXX. The appraisal in file is dataed X/XX/XXXX and shows no damage. Exception is for informational purposes only.; Property is located in a FEMA disaster area, FEMA declared XXX county in a disaster area (Hurricane) on X/X/XXXX, with a release date of X/X/XXXX. The appraisal in file is dataed X/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/09/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B C A |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 06/13/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B A C |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/07/2022 | Cleared | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | Missing Verification of self employment for coborrower dated within XXXX days of the Note Date. ; Lender provided VVOE for self-employment. Condition cleared. |  |  | The exception 'CoBorrower Employment Verification does not meet guidelines' is cleared. | 06/24/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B C A |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/08/2022 | Acknowledged | -97466 | Compliance | Home Loan | Home Loan (XXX) <br>The loan is a home loan, as defined in the legislation, due to all of the following findings:The principal amount of the loan does not exceed the conforming loan size limit for a comparable dwelling as established from time to time by the Federal National Mortgage Association ($XXX); andThe debt is incurred by the borrower primarily for personal, family, or household purposes; andThe loan is secured by a mortgage or deed of trust on real estate upon which there is located or there is to be located a structure or structures intended principally for occupancy of from one to four families which is or will be occupied by the borrower as the borrower's principal dwelling. | Change status of 'Home Loan' from Active to Acknowledged by Client.;<br> na | 06/13/2022 | This is deemed non-material, loan will be rated a B. | 06/13/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B C A |
| OBX2023J10154 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/25/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Third party Desk Review variance of - XX.XX exceeds XXXX% maximum allowed.; Lender provided XXX Valuation with a variance of - XXX% which exceeds XXXX% maximum allowed. Lender also provided an exterior-only inspection report; however, XXX requires a Field Review report when CDA does not support appraisal value within XXX% tolerance. Condition retained. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXXX%' from Active to Acknowledged by Client.;<br> Audit has reviewed and determined that we can accepted the Exterior-Only Inspection Report (XXXX) in lieu of the Field Review Report as it is an equivalent product. The Exterior-Only Inspection Report (XXXX) reflects a variance of (-XXX%) which is within tolerance, condition cleared. | 07/27/2022 | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.;<br> Audit has reviewed and determined that we can accepted the Exterior-Only Inspection Report (XXXX) in lieu of the Field Review Report as it is an equivalent product. The Exterior-Only Inspection Report (XXXX) reflects a variance of (-XXX%) which is within tolerance, condition cleared. | 07/28/2022 | Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. B C A |
| OBX2023J10106 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the Universal Loan Identifier(ULI): XXX Condition cleared. | 06/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10181 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for informational purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10150 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10150 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. Fraud report is incomplete. Missing pages X-XX. |  |  | Lender provided the complete fraud report. Condition cleared. | 06/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10150 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10150 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | ULI provided XXX Condition cleared. | 06/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided.; Lender provided full fraud report. Condition cleared.; Missing page X-XX of report |  |  | Complete fraud report provided. | 06/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for informational purposes. DD Firm to order |  |  | Third Party Valuation Product Provided | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10120 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3548 | Compliance | Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | Subject loan's points and fees exceed the qualified mortgage points and fees threshold. |  |  | Lender provided verification of PAR rate and bona fide discount points. QM points and Fees are within tolerance. Condition cleared. | 06/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3425 | Credit | Liquid Reserves (Months) are less than AUS Minimum Required. | Liquid Reserves XXX (Months) are less than Investor overlays Minimum Required of X.XX.; AUS requires $XXX in reserves, however XXX overlays require X months reserves. ; Lender provided X months retirement statements verifying sufficient reserves. Condition cleared. |  |  | Liquid Reserves XXX (Months) are greater than or equal to the AUS Minimum Required X.XX. | 06/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI. Condition cleared.; Universal Loan Identifier(ULI): XXX |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | Change status of 'TRID Monitor Timing of Disclosures Finding' from Active to Acknowledged by Client.;<br> NA | 06/15/2022 | TRID Monitor Timing of Disclosures Finding.This loan contains disclosures that do not fail one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation. | 06/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10190 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/10/2022 | Cleared | -96458 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | This loan failed the revised closing disclosure delivery date test (waiting period required).(XX CFR §XXX(f)(X)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(X) becomes inaccurate, as defined in §XXX.(B) The loan product is changed, causing the information disclosed under §XXX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXX(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §XXX(f)(X)(i) no later than three business days before consummation.; Audit reviewed lender's response and has determined there were X CD's re-disclosed on XX/XX/XXXX, which re-disclosed the increased APR. Condition cleared.; Audit reviewed the lender's response. The APR increased by more that .XXX% from the X/XX to the X/XX CD, then they closed on X/XX. Borrower not given the X day waiting period. Condition maintained. <br>; The APR increased by more that .XXX% from the X/XX to the X/XX CD, then they closed on X/XX. Borrower not given the X day waiting period. <br>|  |  | This compliance test 'Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test' is no longer tested | 06/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10152 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Audit has reviewed the lenders response; however, a CPA letter is required to confirm the borrower's written explanation that the capital gains income isn't truly capital gains income and it's just reported this way for tax purposes. Per Fannie Mae, in order to use capital gains income, the file must contain current evidence that the borrower owns additional property and/or assets that can be sold, the file does not contain this, therefore a CPA letter is required to collaborate the borrower's letter of explanation. ; Audit reviewed the lender's response. Please provide from the tax preparer (CPA) to confirm the information stated by the borrower, regarding the large capital gains and that it is not a true capital gain rather than it's his share of the company's revenue and is reported as a capital gains in box XX as "other income". Condition maintained. ; Per Fannie Mae, in order to use capital gains income, the file must contain current evidence that the borrower owns additional property and/or assets that can be sold, the file does not contain this, therefore a CPA letter is required to collaborate the borrower's letter of explanation. Condition maintained. ; Tax preparer (CPA) to confirm information stated by the borrower regarding the large capital gains and that it is not a true capital gain rather than it's his share of the company's revenue and is reported as a capital gains in box XX as "other income". ; This condition has been escalated to management. The determination is a CPA letter is required to confirm the borrower's written explanation that the capital gains income isn't truly capital gains income and it's just reported this way for tax purposes. Per Fannie Mae, in order to use capital gains income, the file must contain current evidence that the borrower owns additional property and/or assets that can be sold, the file does not contain this, therefore a CPA letter is required to collaborate the borrower's letter of explanation. Condition maintained. | Change status of 'Borrower Income Verification does not match Approval' from Active to Open Rebuttal.;<br> X/XX JH: Please clear as request for CPA letter is outside guideline requirements. The income has been received for the past X years as documented on the XXX and continuance has been verified as we can see the income is derived from XXX. The borrower has a FICO score over XXX and is clearly earnings sufficient amounts of income to qualify for this loan with no concern for lack of stability or continuance.; Change status of 'Borrower Income Verification does not match Approval' from Open Rebuttal to Active.;<br> DD firm has escalated to Investor for review, we will report back as soon as we have a response.; Audit has reviewed the lenders response; however, a CPA letter is required to confirm the borrower's written explanation that the capital gains income isn't truly capital gains income and it's just reported this way for tax purposes. Per Fannie Mae, in order to use capital gains income, the file must contain current evidence that the borrower owns additional property and/or assets that can be sold, the file does not contain this, therefore a CPA letter is required to collaborate the borrower's letter of explanation. ; Audit reviewed the lender's response. Please provide from the tax preparer (CPA) to confirm the information stated by the borrower, regarding the large capital gains and that it is not a true capital gain rather than it's his share of the company's revenue and is reported as a capital gains in box XX as "other income". Condition maintained. ; Per Fannie Mae, in order to use capital gains income, the file must contain current evidence that the borrower owns additional property and/or assets that can be sold, the file does not contain this, therefore a CPA letter is required to collaborate the borrower's letter of explanation. Condition maintained. ; Tax preparer (CPA) to confirm information stated by the borrower regarding the large capital gains and that it is not a true capital gain rather than it's his share of the company's revenue and is reported as a capital gains in box XX as "other income". ; This condition has been escalated to management. The determination is a CPA letter is required to confirm the borrower's written explanation that the capital gains income isn't truly capital gains income and it's just reported this way for tax purposes. Per Fannie Mae, in order to use capital gains income, the file must contain current evidence that the borrower owns additional property and/or assets that can be sold, the file does not contain this, therefore a CPA letter is required to collaborate the borrower's letter of explanation. Condition maintained. | 08/19/2022 | Lender provided a letter from the CPA stating the capital gain of $XXX reported on Schedule D and Form XXX comes from the partnership XXX LLC. The nature of the Capital gains qualifies the IRS section XXX Contracts and Straddle. The Section XXX investments include options and contracts which are typical investment tools for investors and traders and considered normal business sources of income for a trading company in the securities market. Ownership of XXX% of XXX LLC, the borrower is entitled to the Section XXX capital gain for his shares. The borrower receives A KX from XXX LLC to disclose his shares of income and is required to report this income on his XXX's. This income is likely to continue unless the borrower sells his ownership in XXX LLC. Condition cleared. | 09/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided<br> ; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/24/2022 | D B C A |
| OBX2023J10158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/20/2022 | D B A |
| OBX2023J10158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Acknowledged | 3420 | Credit | DTI Exceeds AUS Maximum Allowable |  | Change status of 'DTI Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to allow the higher DTI, this is deemed non-material, loan will be graded a B. | 09/07/2022 | Change status of 'DTI Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to allow the higher DTI, this is deemed non-material, loan will be graded a B. | 09/07/2022 | D B C A |
| OBX2023J10158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. Fraud report is incomplete. Missing pages X-XX. ; Lender provided full fraud report. Condition cleared. |  |  | Complete fraud report provided. | 06/16/2022 | D B A |
| OBX2023J10158 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | D B A |
| OBX2023J10178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% .Condition for information purposes only-DD firm will order.<br>|  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/20/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided<br> :; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/24/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10178 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/13/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 06/14/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10164 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/24/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10164 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/16/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only-DD firm will order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/20/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10164 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes. DD firm to order |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/20/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/24/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10171 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 2078 | Credit | Fraud Report is Only Partially Available | Partial fraud report provided.; Lender provided full fraud report. Condition cleared.; Missing pages X-XX. |  |  | Complete fraud report provided. | 06/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided<br> ; X/XX Universal Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10194 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/20/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/22/2022 | D A |
| OBX2023J10195 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a X.X% variance, conditon cleared. | 06/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10195 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/23/2022 | Cleared | 3425 | Credit | Liquid Reserves (Months) are less than AUS Minimum Required. | Liquid Reserves XXX (Months) are less than investor overlay requirement minimum of XXX months.; Audit has reviewed and determined that the file verified sufficient liquid cash to close and reserves, condition cleared.. |  |  | Liquid Reserves XXX (Months) are greater than or equal to the AUS Minimum Required X.XX. | 07/05/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10195 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/23/2022 | Acknowledged | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial: Exception granted for properties in XXX when the effective date of the insurance is after the closing date but on or prior to the disbursement date. | Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.;<br> Exception granted for properties in XXX when the effective date of the insurance is after the closing date but on or prior to the disbursement date. (Note Date X/X/XX, Disbursement Date X/X/XXXX, Effective date of policy X/X/XXXX) | 06/24/2022 | Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.;<br> Exception granted for properties in XXX when the effective date of the insurance is after the closing date but on or prior to the disbursement date. (Note Date X/X/XX, Disbursement Date XX/XX/XXXX, Effective date of policy XX/XX/XXXX) | 06/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10195 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/27/2022 | Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for informational purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/28/2022 | Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area |  |  |  | Post disaster inspection confirms no property damage | 06/23/2022 | Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/28/2022 | Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10192 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/23/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/23/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 06/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 06/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/23/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 06/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10198 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/07/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10198 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/29/2022 | Cleared | 2588 | Credit | Borrower 2 Income Verification is less than 12 months | Borrower X Income Verification of XXX is less than XX months.; Audit reviewed lender's response and has determined Fannie Mae selling guide states a minimum history of two years of employment income is recommended. However, income that has been received for a shorter period of time may be considered as acceptable income as long as the borrower's employment profile demonstrates that there are positive factors to reasonably offset the shorter income history. Per the employment LOE the borrower was unemployed from XX/XXXX - XX/XXXX. Positive factors was not found in file for the co-borrower to reasonably offset the short income history to meet AUS and Fannie Mae requirements. Condition retained.; Co-Borrower received a green card and started to work in the US in XX/XX/XXXX; Lender provided LOE for employment history and XXX certification verifying education continuation during the time of co-borrower's unemployment while waiting for green card approval for relocating to the US. Condition cleared. |  |  | Borrower X Income Verification of XXX is greater than XX months. | 07/27/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10198 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/28/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Missing proof that investment property located at XXX XXX Place is owned free and cleared. ; Audit reviewed lender's response and has determined the HOI is not sufficient to verify REO property XXX XXX Place is owned free and clear. Please provide documentation such as property profile report to verify no mortgage liens on property. Condition retained.; Lender provided Open Lien Report verifying there are no open liens on property XXX XXX Place. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 07/11/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10122 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 07/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 06/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 07/07/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/05/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD Firm to order. |  |  | CCA provided within XX% tolerance. Condition cleared. | 07/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/07/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/X Universal Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10187 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/05/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10208 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/06/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/08/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inspection. FEMA declared XXX county in a disaster area(hurricane) on XX/XX/XXXX, with an incident end date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damages. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 07/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/08/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10173 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/11/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10220 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/11/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10203 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/12/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/14/2022 | Acknowledged | 1276 | Property | Is Completion Certificate in file is No | The completion certificate (XXX) was provided in the loan for the completion of the home only. The property is subject to an escrow holdback for the completion of the pool. The Due Diligence firm has spoken directly with the Investor and confirmed that the investor will not purchase loans that are subject to an escrow holdback. Loan is ineligible for purchase. ; Lender provided completion certificate (XXX) for completion of the home only. The property is subject to an escrow holdback for the completion of the pool. The Due Diligence firm has spoken directly with the Investor and confirmed that the investor will not purchase loans that are subject to an escrow holdback. Loan is ineligible for purchase. ; The Due Diligence firm has spoken directly with the Investor and confirmed that the investor will not purchase loans that are subject to an escrow holdback, regardless of if the pool is now completed. Per Investor, loan is ineligible for purchase. <br>| Change status of 'Is Completion Certificate in file is No' from Active to Acknowledged by Client.;<br> Investor has granted an exception to allow the escrow hold back and to allow a title search reflecting no mechanics lien vs a final title report and/or endorsement. This is deemed non-material, loan will be graded a B. ;<br> ;<br> X. Lender provided a XXX/certification of completion with photos;<br> X. Improvements were completed within XXX days per the escrow holdback agreement;<br> X. Evidence provided that the lender/custodian has released the final draw to the pool builder;<br> X. Lender provided a final title report, however is dated prior to the escrow hold back, Investor is accepting a title search reflecting no mechanic's liens. ; | 09/21/2022 | Change status of 'Is Completion Certificate in file is No' from Active to Acknowledged by Client.;<br> Investor has granted an exception to allow the escrow hold back and to allow a title search reflecting no mechanics lien vs a final title report and/or endorsement. This is deemed non-material, loan will be graded a B. ;<br> ;<br> X. Lender provided a XXX/certification of completion with photos;<br> X. Improvements were completed within XXX days per the escrow holdback agreement;<br> X. Evidence provided that the lender/custodian has released the final draw to the pool builder;<br> X. Lender provided a final title report, however is dated prior to the escrow hold back, Investor is accepting a title search reflecting no mechanic's liens. ; | 09/21/2022 | D B C A |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. DD Firm to order. |  |  | Desk review provided, with a X% variance. Condition cleared. | 07/21/2022 | D B A C |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/13/2022 | Cleared | 1315 | Credit | Fully Executed Purchase Contract is Partial | The fully executed purchase contract is Partial; Audit reviewed lender's response and has determined the preclose summary dated XX/XX/XXXX, page XXX, reflects updated purchase price of $XXX which included the addition of a swimming pool contract. The contract for the pool on page XXX is signed by both borrowers. Condition cleared.; Missing update to purchase contract to show Final Sales price of $XXX |  |  | The fully executed purchase contract is Present | 07/27/2022 | D B A C |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/12/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | D B A C |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/12/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Lender provided valid COC for increase in discount points. The discount points increased due to rate re-lock caused by increase in purchase price. The rate lock agreement on page XXX verifies rate lock expired on XX/XX/XXXX. Rate was re-locked on XX/XX/XXXX per COC provided by lender. Condition cleared.; Missing valid COC for increase in discount pts. |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 07/27/2022 | D B C A |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/12/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Lender provided valid COC for increase in discount points. The discount points increased due to rate re-lock caused by increase in purchase price. The rate lock agreement on page XXX verifies rate lock expired on XX/XX/XXXX. Rate was re-locked on XX/XX/XXXX per COC provided by lender. Condition cleared. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 07/27/2022 | D B C A |
| OBX2023J10151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 07/12/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Lender provided valid COC for increase in discount points. The discount points increased due to rate re-lock caused by increase in purchase price. The rate lock agreement on page XXX verifies rate lock expired on XX/XX/XXXX. Rate was re-locked on XX/XX/XXXX per COC provided by lender. Condition cleared. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 07/27/2022 | D B C A |
| OBX2023J10174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D B A |
| OBX2023J10174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Acknowledged | 1248 | Credit | AUS is Partial | Cash out refinances on properties that have been owned for less than X months are not permitted per the Investor overlays. ; Audit has reviewed and determined that the co-borrower had sufficient funds to cover the $XXXK down payment back in XXX as noted on the bank statement dated X/XX/XXXX, located on page XXX of the loan file. The account number appears to be the same account that is appearing on the wire transfer. The total year to date withdraws appearing on the bank statement also supports the large withdraw, no further documentation required for the Lender. XXX has submitted to XXX for the wavier review. ; Audit has reviewed and determined the following: It appears that the borrower qualifies under Fannie Mae's delaying financing guidelines. Borrower purchased the property on X/XX/XXXX for $XXX, the subject Note date is X/XX/XXXX (less than X months) <br> • The original purchase transaction appears to have been an arm's length transaction – lender provided a copy of the fully executed settlement statement. <br> • Borrower meets the eligibility requirements – a natural person<br> • The original purchase transaction settlement statement confirms no mortgage financing was used to obtain the subject property. (Preliminary title search confirms no existing liens)<br> • Source of funds for the purchase transaction: Borrower sold property located at XXX XX/XX/XXXX - borrower netted $XXX (copy of wire transfer going into the borrowers account was provided). On X/XX/XXXX copy of wire transfer going from borrowers account to the title company for closing of the subject transaction was provided in the amount of $XXX. The additional $XXXK came from a third party (XXX). Letter of explanation was not provided for the receipt of $XXXK – was this a loan, gift, etc… please provide the proper documentation surrounding this $XXXK contribution. <br> • Please note that XXXs XXX has already discussed this loan XXX and they will review for a possible exception once all the documentation has been provided, as their overlays have a maximum cash out policy of $XXXK and borrowers must own property for a minimum of X months. XXX will submit to XXX for the wavier review once the proper documentation surrounding the $XXXK contribution from the third party has been provided. <br> ; Audit reviewed uploaded documents and loan file. File is missing the following to be considered for delayed financing : Evidence purchase was an arm's length transaction ie copy of sales contract and source of funds for the purchase must be documented. | Change status of 'AUS is Partial' from Active to Acknowledged by Client.;<br> Investor overlays require the property to be owned for for a minimum of X months to qualify for a cashout refinance. XXX has granted an exception to allow the borrowers ownership that's been less than X months as the borrowers submitted satisfactory documentation that qualifies them for Fannie Mae's delayed financing, this is deemed non-material, loan will be graded a B. | 08/12/2022 | Change status of 'AUS is Partial' from Active to Acknowledged by Client.;<br> Investor overlays require the property to be owned for for a minimum of X months to qualify for a cashout refinance. XXX has granted an exception to allow the borrowers ownership that's been less than X months as the borrowers submitted satisfactory documentation that qualifies them for Fannie Mae's delayed financing, this is deemed non-material, loan will be graded a B. | 08/12/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D B A |
| OBX2023J10174 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Acknowledged | 3497 | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: $XXX per lender overlays - borrower received $XXX. ; Audit has reviewed and determined that the co-borrower had sufficient funds to cover the $XXXK down payment back in XXX XXX as noted on the bank statement dated X/XX/XXXX, located on page XXX of the loan file. The account number appears to be the same account that is appearing on the wire transfer. The total year to date withdraws appearing on the bank statement also supports the large withdraw, no further documentation required for the Lender. XXX has submitted to XXX for the wavier review. ; Audit reviewed uploaded documents and loan file. File is missing the following to be considered for delayed financing : Evidence purchase was an arm's length transaction ie copy of sales contract and source of funds for the purchase must be documented. | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor overlays maximum cash out is $XXX. XXX has granted an exception to allow the borrowers cash out of $XXX as the borrowers submitted satisfactory documentation that qualifies them for Fannie Mae's delayed financing, the borrowers are recouping part of their initial investment, this is deemed non-material, loan will be graded a B. | 08/12/2022 | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor overlays maximum cash out is $XXX. XXX has granted an exception to allow the borrowers cash out of $XXX as the borrowers submitted satisfactory documentation that qualifies them for Fannie Mae's delayed financing, the borrowers are recouping part of their initial investment, this is deemed non-material, loan will be graded a B. | 08/12/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D B C A |
| OBX2023J10172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD Firm to order |  |  | Desk review provided, with a X% variance. Condition cleared. | 07/21/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10172 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/19/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10224 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (wildfires) on XX/XXX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; FEMA declared XXX county in a disaster area (wildfires) on XX/XXX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.; Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (wildfires) on XX/XXX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 07/14/2022 | Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10224 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/18/2022 | Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10224 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10224 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | Desk review provided, with a X% variance. Condition cleared. | 07/21/2022 | Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10202 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10243 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Audit reviewed lender's response and has determined the CDA is a XXX requirement. Condition retained.; XXX ARR provided within XXX% tolerance. Condition cleared. |  |  | Third Party Valuation Product Provided | 07/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per Investor overlays of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per Investor Overlays of XXX; Audit unable to change income based off uploaded XXX thru XXX XXXX. Lender approved file with XXX thru XXX XXXX. Lender's final AUS and XXXX in file reflect income of $XXX and DTI of XXX%. Audit DTI of XXX% matches lender's final DTI of XXX%.; Lender provided updated AUS and XXXX reflecting higher income of $XXX. The XXX provided by lender from XX/XXXX - XX/XXXX supports higher income. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%, which is within tolerance of the XXX overlays maximum DTI of XXX%. Condition cleared. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | 07/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. DD firm to order. |  |  | Desk review provided, with a X% variance. Condition cleared. Third Party Valuation Product Provided | 07/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10186 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per Investor Overlays of XXX%.; DTI exceed the max allowable DTI of XX per XXX overlays; Lender provided updated AUS, XXXX and XXXX correcting rental income on property XXX XXX. Lender originally used $XXX for rental income; however, the actual rental income for that property per the lease agreements in file was $XXX per month. Using the correct rental income on that property, the audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX% and is within tolerance of the client overlay maximum DTI of XXX%. Condition cleared. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | 07/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10238 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 07/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10148 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA data tape provided no level X discrepancies found. Condition cleared<br> ; HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | HMDA data tape provided. | 05/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10148 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with no release date provided by FEMA. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 04/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10148 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 1248 | Credit | AUS is Partial | The AUS is Partial: Per the loan file, the subject occupancy is a second home. Per the investor guideline overlay the only approved occupancy type is investment.<br> ; XXX approved Xnd Homes in trade - condition cleared. |  |  | The AUS is received. | 05/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 07/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Acknowledged | 3497 | Credit | Cash to Borrower Exceeds Maximum Allowable | Cash to borrower exceeds maximum allowable. Guideline maximum amount to borrower is: $XXX per Investor Overlays. Borrowers received $XXX (cash in hand at closing plus funds to payoff debt at closing); Audit reviewed lender's response and has determined XXX overlays maximum cash-out is $XXX. Condition retained. | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception for the cash out exceeding guidelines, this is deemed non-material, loan will be graded a B. | 08/01/2022 | Change status of 'Cash to Borrower Exceeds Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception for the cash out exceeding guidelines, this is deemed non-material, loan will be graded a B. | 08/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10102 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 07/26/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10188 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for information purposes only – DD firm will order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10226 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection; FEMA declared XXX county in a disaster area(severe storms) on XX/XX/XX, with an incident end date of X/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.<br> ; Property is located in a FEMA disaster area with no post disaster inpection<br> The exception is currently marked as Non-Material.<br> FEMA declared XXX county in a disaster area(severe storms) on XX/XX/XX, with an incident end date of X/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 07/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/26/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10225 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to complete. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/26/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/XX Universal Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 07/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10257 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10248 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/25/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/25/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 07/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10278 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/26/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD Firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only-DD firm will order.<br>|  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/04/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | ULI provided XXXHWXXXMNXWUXXXXXXXXXX, condition cleared. | 08/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10241 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/04/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; ULI Provided, XXX<br> , condition cleared |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/09/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10242 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/29/2022 | Cleared | 3425 | Credit | Liquid Reserves (Months) are less than AUS Minimum Required. | Liquid Reserves XXX (Months) are less than AUS Minimum Required X.XX.; Liquid Reserves XXX (Months) are less than AUS Minimum Required X.XX.; Audit reviewed lender's response and has determined the XXX overlays require X months reserves which is $XXX. The total verified assets are $XXX. Verified assets is not sufficient to meet XXX overlay requirements. Condition retained.; Lender provided $XXX in a business checking account. Total verified assets as of XX/XX/XX are $XXX. Verified assets are not sufficient to meet XXX overlay requirements (X months). Condition retained.<br> ; Lender submitted additional assets for reserves, condition cleared. |  |  | Liquid Reserves XXX (Months) are greater than or equal to the AUS Minimum Required XXX Liquid Reserves XXX (Months) are greater than or equal to the AUS Minimum Required XXX | 08/05/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/04/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | ULI provided XXX condition cleared. | 08/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cured Post Close | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Transfer Tax increased by $XXX without a valid Change of Circumstance form. | Change status of 'Charges That Cannot Increase Test' from Cleared to Cured Post Close.;<br> Lender provided the PCCD, LOE, refund in the amount of $XXXX and evidence of delivery. Loan will be graded a B. | 08/19/2022 | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 08/19/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cured Post Close | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Lender must refund the borrower $XXX. | Change status of 'Reimbursement Amount Test' from Cleared to Cured Post Close.;<br> Lender provided the PCCD, LOE, refund in the amount of $XXXX and evidence of delivery. Loan will be graded a B. | 08/19/2022 | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 08/19/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10268 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Acknowledged | 2543 | Credit | Appraisal date is greater than 120 days from Origination date. | Appraisal dated X/X/XXXX is greater than XXXX days from Note date of X/XX/XXXX. A recertification was provided in the loan file located on page XXX dated XXXXX supporting the original appraised value. | Change status of 'Appraisal date is greater than XXXX days from Origination date.' from Active to Acknowledged by Client.;<br> A recertification was provided in the loan file located on page XXX dated XXX.XXX supporting the original appraised value. | 07/28/2022 | Change status of 'Appraisal date is greater than XXXX days from Origination date.' from Active to Acknowledged by Client.;<br> A recertification was provided in the loan file located on page XXX dated XXX.XXXX supporting the original appraised value. | 07/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/04/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br>; ULI Provided, XXX<br> , condition cleared |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/09/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | -96200 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XX CFR XXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which exceeds X percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds X percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which exceeds $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which exceeds X percent of the total loan amount of $XXX.; Lender provided verification of PAR rate and bona fide discount points. QM points and Fees are within tolerance. Condition cleared.; QM Points and Fees variance of $XXX. |  |  | This loan does not have points and fees that exceed the points and fees threshold. (XX CFR XXX(e)(X))The loan amount is $XXX or more, and the transaction's total points and fees is $XXX, which does not exceed X percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which does not exceed $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which does not exceed X percent of the total loan amount of $XXX; orThe loan amount is less than $XXX but at least $XXX, and the transaction's total points and fees is $XXX, which does not exceed $XXX; orThe loan amount is less than $XXX and the transaction's total points and fees is $XXX, which does not exceed X percent of the total loan amount of $XXX. | 08/03/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10258 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/28/2022 | Cleared | 3548 | Compliance | Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | Subject loan's points and fees exceed the qualified mortgage points and fees threshold. |  |  | Lender provided verification of PAR rate and bona fide discount points. QM points and Fees are within tolerance. Condition cleared. | 08/03/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10235 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 07/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/01/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; X/X XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10246 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/02/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXXX is not sufficent. The subject loan amount is XXXXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Lender provided replacement cost estimator. Condition cleared. |  |  | Hazard insurance coverage is sufficient. | 08/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10272 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only-DD firm will order.<br>|  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/08/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; ULI provided XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/08/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | -96369 | Compliance | Reimbursement Amount Validation Test | This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.; Lender provided the rate lock dated XX/XX/XX with pricing of - XXX% or $XXX with the lender paid comp of $XXX making the final price to the borrower $XXX. Condition cleared. |  |  | This compliance test 'Reimbursement Amount Validation Test' is no longer tested | 08/10/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Lender provided the rate lock dated XX/XX/XX with pricing of - XXX% or $XXX with the lender paid comp of $XXX making the final price to the borrower $XXX. Condition cleared. ; Missing valid COC for increase in discount points. |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 08/10/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10275 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/08/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.  |  |  | Post disaster inspection confirms no property damage | 08/03/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | DTI of XXX% (Total Income of $XXX, Orig PITI of $XXX, Monthly debt of $XXX) exceeds the maximum allowable per investor overlay of XXX%. ; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX. XXX #XXXX listed as paid off and omitted, however, no documentation in the file verifying this debt was paid. Maximum DTI for second homes is XXX%. Condition maintained. ; Other income for XXX must be documented according to Guide Section XXXX.X. The Restricted Stock Unit Worksheet provided shows previous year RSU distributed as income as $XXX, which according to the paystubs is the YTD salary ending XX/XX/XXXX. The XXX gain should be $XXX. Please provide a revised worksheet, AUS,XXXX, and XXXX. Condition maintained. |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX%. For XX day accounts. Borrower has sufficient funds to pay off the outstanding account balance of $XXX deducted from liquid assets. Condition cleared. | 09/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10215 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only DD firm to order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10255 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/03/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see additional condition added. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/05/2022 | Cleared | 1170 | Compliance | Notice of Special Flood Hazards is Missing | The notice of special flood hazards is Missing; Audit reviewed lender's response and has determined the subject is not in a flood zone; therefore, would not require the notice of special flood hazards. Condition cleared. |  |  | The notice of special flood hazards is Not Applicable | 08/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/10/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (earthquake) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (earthquake) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 08/10/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10264 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the Universal Loan Identifier(ULI): XXX Condition cleared. | 08/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of taxes for prior residence at XXX.; Borrower liabilities verified indicator is Partial: Please provide full trimerge credit report that was used for the DU findings.. Draft of credit report in file cannot be followed to confirm debts.; Lender provided verification of taxes for REO property XXX. Condition cleared. |  |  | Borrower liabilities verified indicator is Present; Borrower liabilities verified indicator is Present | 08/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 725 | Credit | CoBorrower Credit Report Indicator is Partial |  |  |  | CoBorrower credit report indicator is Present | 08/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial |  |  |  | Borrower credit report indicator is Present | 08/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | CCA provided. Additional condition set. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; ULI Provided, XXX<br> condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared.; The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/08/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see additional condition added. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10282 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Third party Desk Review variance of - XX.XX exceeds XXXX% maximum allowed. Condition is for informational purposes, DD firm has order a XXXX review. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXXX%' from Active to Acknowledged by Client.;<br> Third Party Field Review provided, reflecting a XXX% variance, this is within tolerance, condition cleared. | 09/02/2022 | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.;<br> Third Party Field Review provided, reflecting a XXX% variance, this is within tolerance, condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided. Additional condition set. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 08/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| OBX2023J10261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/09/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing; Audit reviewed lender's response and has determined the final CD reflects the escrow waiver information. Condition cleared. |  |  | The escrow waiver disclosure is Present | 08/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | XX/XX/XX: CCA provided is not within XXX% tolerance. Condition is for informational purposes only, DD firm has ordered a XXXX review. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXXX%' from Active to Acknowledged by Client.;<br> Third Party Desk Review provided reflecting a XX% variance, condition cleared. | 08/31/2022 | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.;<br> Third Party Desk Review provided reflecting a XXX% variance, condition cleared. | 08/31/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| OBX2023J10261 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see additional condition added. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Acknowledged | 1427 | Credit | LTV Exceeds AUS Maximum Allowable | The original LTV of XXX exceeds the maximum allowable per Investor Overlays of XXX%. | Change status of 'LTV Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to permit the XXX% LTV, this is deemed non-material, loan will be graded a B. | 08/24/2022 | Change status of 'LTV Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to permit the XX% LTV, this is deemed non-material, loan will be graded a B. | 08/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10265 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Acknowledged | 1428 | Credit | CLTV Exceeds the AUS Maximum Allowable | The original CLTV of XXX exceeds the maximum allowable per Investor Overlays of XXX%. | Change status of 'CLTV Exceeds the AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to permit the XXX% CLTV, this is deemed non-material, loan will be graded a B. | 08/24/2022 | Change status of 'CLTV Exceeds the AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> Investor has granted an exception to permit the XX% CLTV, this is deemed non-material, loan will be graded a B. | 08/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see additional condition added. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (Severe Weather) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. ; Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (Severe Weather) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> The exception is currently marked as Non-Material. |  |  | Post disaster inspection confirms no property damage | 08/10/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10271 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI# XXX Condition cleared. | 08/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; ULI provided,XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes only-DD firm will order.<br>|  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10281 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see additional condition added. | 08/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/11/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing; Audit reviewed lender's response and has determined an escrow waiver disclosure form signed by the borrower is required. Condition retained.; Escrow waiver is required, please provide.; Please provide the executed Escrow Waiver Disclosure provided to the borrower. Condition maintained. ; With the escrow waiver, there are certain conditions that must be met to waive the escrows, also a lender cannot solicit a borrower to waive the escrows, which is usually provided in the language of the Escrow waiver. It's a requirement that the lender provide the signed escrow waiver disclosure provided separately to the borrower. Condition maintained. |  |  | Upon further review, the escrow waiver was confirmed on the signed final CD. Condition cleared. | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/17/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | X/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/12/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10245 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/12/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 08/16/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/11/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. . Condition for informational purposes only. Due Diligence firm to order; Condition for information purposes only-DD firm will order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 08/16/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/12/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply); Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XX/XX/XXXX: HMDA review completed, please see additional condition added. | 08/16/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/12/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: X. Missing proof of part time rental when in XXX for employer. Final XXXX reflects a monthly payment of $XXX/mo for XXX property is free and clear(could not confirm on Fraud report); Audit reviewed lender's response and has determined the fraud report reflects the XXX Ln property has a loan with XXX of XXX in the amount of $XXX, the insurance is not sufficient to verify property is owned free and clear. Please provide a property detail reports to verify free and clear. In addition, the FNMA selling guide XXX, requires all lease payments to be included in debt. The LOE page XX reflects borrower has a lease for an apartment in XXX Please provide documentation to verify the monthly lease payment to meet FNMA selling guide requirements. Condition retained.; Audit reviewed lender's response and has determined the property profile report for the XXX Ln property reflects a mortgage; however, the mortgage is from the previous owner / seller of property to the borrower and the property profile report does not reflect a current mortgage on property for borrowers, which is also supported by the insurance which reflects no mortgage liability. Further, the LOE in file for the recent withdrawals from their bank account is for an apartment lease for an apartment in XXX when borrower is traveling for work. Lender was most conservative and included this payment in the total debt obligations per the FNMA Lease Payments requirements. Condition cleared.; Please provide a property profile, for the XXX property owned free and clear. Lender state there is no lease agreement for the short term rental as the borrower will only lease for a period of time while in XXX Final XXXX reflects a monthly payment of $XXX/mo for XXX. Please provide documentation for this payment. Condition maintained. |  |  | Borrower liabilities verified indicator is Present | 09/01/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/12/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval: Provide proof with a XXX that XXX an XXXXS business is no longer in existence or provide XXX and XXXXS returns. May be subject to further conditioning.(Business is not on XXXX tax returns but is on XXXX returns.) |  |  | Lender provided documentation that the business XXX is dissolved. Condition cleared. | 08/17/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10267 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | TXX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI XXX Condition cleared. | 08/17/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10274 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/17/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 08/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/17/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof borrowers primary residence is free and clear.; Lender provided a property profile for XXX XXX, XXX, however the XXX shows the borrower's primary residence as XXX. Tax record on page XXX shows XXX and the hazard insurance declaration on page XXX shows XXX Please provide an LOE or clarification as to why the addresses are different. Condition maintained. ; Lender provided property search verifying properties XXX XXX are one in the same property. The XXX / XXX number are valid for both addresses. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 09/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10259 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/17/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/16/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/17/2022 | Acknowledged | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial. The date of the Note is X/X/XXXX, and the effective date and disbursement date is X/XX/XXXX. | Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.;<br> Exception granted for properties located in XXX when the effective date of the insurance is after the closing date but on or prior to the disbursement date. This is deemed non-material. Final grade will be a "B" for all agencies. | 08/18/2022 | Change status of 'Hazard Insurance Indicator is Partial' from Active to Acknowledged by Client.;<br> Exception granted for properties located in XXX when the effective date of the insurance is after the closing date but on or prior to the disbursement date. This is deemed non-material. Final grade will be a "B" for all agencies. | 08/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10234 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/17/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/18/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/18/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 09/02/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10247 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/29/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/22/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/22/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (hurricane) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (hurricane) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 08/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10254 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/22/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval: X. There are two XXXX business returns for XXX (pgs XXX/XXX) which have entirely different numbers. Need explanation and confirmation on which is the true XXXX return XXX Missing XXX extension for personal returns.; Lender provided verification of correct tax returns and XXX extension for personal returns. Condition cleared. |  |  | The borrower income verification does match approval | 08/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10299 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 1262 | Credit | CoBorrower Income Verification does not match Approval | The coborrower income verification does not match approval: X. Trust income has been grossed up without providing proof that it is non taxable which is the requirement to gross up income per FNMA guidelines.. XXXX Tax returns were not provided but an extension was. Provide CPA letter confirming trust income is non taxable otherwise DTI will exceed the allowable XXX%. X. Provide proof that borrower has no ownership in three partnerships from tax returns so that losses will not be required to be deducted.; Audit has reviewed and determined that all XXX were provided in the loan file and coincide with the tax returns. No further documentation required, condition cleared. ; Lender provided CPA letter verifying Trust income is not taxable; however, did not provide verification borrower has not ownership interest in three partnerships from tax returns. Condition retained. |  |  | The coborrower income verification does match approval | 09/07/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10269 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 2077 | Credit | Fraud Report Missing |  |  |  | Fraud report Present. | 08/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 08/25/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10308 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | A HMDA Data Discrepancy has been identified for Loan Purpose. Audit Loan Purpose "Home Improvement" vs Cash Out (per the XXXX). Per page XXX of the loan file, the borrowers cash out purpose letter states the funds will be used for home improvement. Lender may clear by acknowledging audit values are correct.; Lender provided XXXX agreeing with audit value for loan purchase of Home Improvement. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 08/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;<br> ; | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Unable to validate income. Commission and Bonus income was used to qualify the loan. The file contains X years tax returns, tax transcript and WXs. However, the file does not contain documentation that breakdown the amount of commission and bonus income received in XXX and XXX ; Lender provided the income calculator; however, did not provide the WVOE used in qualification to support lender's income calculation. The LOE provide and the LOE in file on page XXX indicates a WVOE was used to calculate the borrower's income. Condition retained.; Lender provided verbal verification of employment; however, did not provide written verification of employment reflecting base, overtime, bonus and commission income broken out. Per LOE on page XXX, a WVOE was used in qualification to calculate income. Condition retained.; Lender provided WVOE supporting commission and bonus income used by lender. Condition cleared. |  |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 09/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided Valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10304 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CDA not provided. |  |  | Lender provided CDA within tolerance. Condition cleared.;<br> ; | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/22/2022 | Acknowledged | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Lender provided a PCCD, moving fees from B to C. Please provide the LOE to the borrower. Condition maintained. ; Missing COC for additional title fees added. Title abstract $XXX, Title Attorney fee $XXX, Closing protection $XXX, Title Archieve Fee $XXX, Title Binder $XXX were all added on the X/X/XXXX CD for $XXX. Please provide missing COC or PCCD, refund and proof of mailing for a cure amount of XXX The fees can change from section B to C without issue, but to be moved from C to B, then they must be on the WLOSP in order to be considered within the XXX% tolerance otherwise all other fees in section B are considered X% tolerance. If the borrower shopped and chose this entity then the fees must remain in Section C, which would then put them on the No Tolerance bucket. Condition maintained. ; The fees can change from section B to C without issue, but to be moved from C to B, then they must be on the WLOSP in order to be considered within the XXX% tolerance otherwise all other fees in section B are considered XXX% tolerance. If the borrower shopped and chose this entity then the fees must remain in Section C, which would then put them on the No Tolerance bucket. Condition maintained. | Change status of 'Charges That Cannot Increase Test' from Active to Acknowledged by Client.;<br> Lender provided LOE and PCCD correcting section C fees, moving fees back from section B to section C. Further, incorrect disclosure of section C fees is considered NA for SFIG. Condition cleared. | 09/19/2022 | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Lender provided a PCCD, moving fees from B to C. Please provide the LOE to the borrower. Condition maintained. | 09/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/22/2022 | Cleared | -96365 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | Change status of 'Charges That In Total Cannot Increase More Than XXX% Test' from Cleared to Revoked.;<br> Updated findings | 09/06/2022 | This loan passed the charges that in total cannot increase more than XXX% test. (XX CFR §XXX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in good faith according to §XXX(e)(X)(ii). The final charges that in total cannot increase more than XXX% ($XXX) do not exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e)(X)(vi). | 09/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;<br> ; | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10266 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated X/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated X/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 08/25/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing; Audit reviewed lender's response and has determined an actual escrow waiver disclosure form signed by the borrower is required. Condition retained.; Audit reviewed lender's response and has determined per the compliance department there are certain conditions that must be met to waive the escrows, also a lender cannot solicit a borrower to waive the escrows, which is usually provided in the language of the Escrow waiver; therefore, an escrow waiver disclosure is required when escrows are waived by the borrower. Condition retained. |  |  | Upon further review, the escrow waiver was confirmed on the signed final CD. Condition cleared. | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; ULI provided, XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10276 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. Condition for information purposes. DD firm to order.; CCA provided within XXX% tolerance. Condition cleared. |  |  | Third Party Valuation Product Provided | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see addition condition added. | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; ULI provided, XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10277 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/23/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. Condition for information purposes. DD firm to order. |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the Universal Loan Identifier (ULI): XXX Condition cleared. | 09/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/24/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing; Audit reviewed lender's response and has determined per the compliance department there are certain conditions that must be met to waive the escrows, also a lender cannot solicit a borrower to waive the escrows, which is usually provided in the language of the Escrow waiver; therefore, an escrow waiver disclosure is required when escrows are waived by the borrower. Condition retained.; Audit reviewed lender's response and has determined the signed final CD reflects the completed escrow waiver information on page X. Condition cleared.; Its an investor requirement that the lender provide the signed escrow waiver disclosure provided separately to the borrower. Condition maintained. |  |  | The escrow waiver disclosure is Present | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10251 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see addition condition added. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing |  |  |  | The escrow waiver disclosure is Present | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10286 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/26/2022 | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Audit reviewed lender's response and has determined the lender paid compensation decreased due to the loan amount decrease which is a valid change of circumstance. Condition cleared. |  |  | This loan passed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 09/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing |  |  |  | The escrow waiver disclosure is Present | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10315 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, please see addition condition added. | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing; Audit reviewed lender's response and has determined there are certain conditions that must be met to waive the escrows, also a lender cannot solicit a borrower to waive the escrows, which is usually provided in the language of the Escrow waiver; therefore, the signed escrow waiver form is required. Condition retained.; Audit reviewed lender's response and has determined the final CD reflects the completed escrow waiver information on page X. Condition cleared. |  |  | The escrow waiver disclosure is Present | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (severe storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated X/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (severe storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated X/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 08/30/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the Universal Loan Identifier(ULI): XXX Condition cleared. | 09/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10288 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | 654 | Credit | CoBorrower Liabilities Verified Indicator is Partial | CoBorrower liabilities verified indicator is Partial: Missing XX mos proof that mortgage on XXX is paid by someone else. (Mortgage statements were provided but do not prove someone else is making the payments.; Lender provided XXX months bank statements verifying another party pays for mortgage debt on property XXX. Condition cleared. |  |  | CoBorrower liabilities verified indicator is Present | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10295 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/09/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/31/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/31/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The Borrower income verification does not match approval: Lender to provide detailed explanation and calculations for net rental losses along with documentation to confirm it. The amounts on the XXX do not match the K-X amounts with XXX ownership. PITI listed on the XXX do not match the statement amounts as well. |  |  | Lender provided the income worksheet and XXX tax returns for each rental property. XXX XXX is only owned XXX% by the borrower, so the figures are multiplied by .XXX to the net rental. Full PITI. The borrower is XX% owner of XXX and lender provided the mortgage statement to show taxes and insurance are escrowed. Condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Lender provided the COC, Lock Confirmation and Revised CD. The lock needed to be extended, increasing the pricing of the loan. This was disclosed to and executed by the borrower on the Revised CD. Condition cleared. ; Discount points increased from $XXX to $XXX on XX/XX/XX CD, No COC in file or proof of refund |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Lender provided the COC, Lock Confirmation and Revised CD. The lock needed to be extended, increasing the pricing of the loan. This was disclosed to and executed by the borrower on the Revised CD. Condition cleared. ; Discount points increased from $XXX to $XXX on XX/XX/XX CD, No COC in file or proof of refund |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Lender provided the COC, Lock Confirmation and Revised CD. The lock needed to be extended, increasing the pricing of the loan. This was disclosed to and executed by the borrower on the Revised CD. Condition cleared. ; Discount points increased from $XXX to $XXX on XX/XX/XX CD, No COC in file or proof of refund |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10263 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/31/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/09/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 08/31/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10321 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/30/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;<br> ; | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10326 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/31/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/31/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared. | 09/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/01/2022 | Cleared | 2353 | Compliance | Evidence of Rate Lock Not Provided | Evidence of Rate Lock Not Provided; Lender provided verification of rate lock. Condition cleared. |  |  | Evidence of Rate Lock Provided | 09/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10324 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/31/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. The Borrower is self-employed and owns XXX% of XXX . The loan was qualified using self-employment income however, The file is missing XXX years business tax returns including all schedules. ; Lender provided XXX and XXX business tax returns with all schedules and provided application for extension for XXX taxes. Condition cleared. |  |  | The borrower income verification does match approval | 09/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/01/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10293 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/01/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/09/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/09/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10298 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/09/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10284 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/09/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Provide proof of taxes and insurance for rental at XXX XXX.(XXX in file does not break out or state escrow for taxes and ins as required) in order to confirm total loss for rental. |  |  | Lender provided the mortgage statement showing a breakdown of tax and insurance. Condition cleared. | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10331 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/12/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10303 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/12/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/12/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a - XXX% variance, this is within tolerance, condition cleared. | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10313 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/12/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a - XXX% variance, which is within tolerance, condition cleared. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area |  |  |  | Post disaster inspection confirms no property damage | 09/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/20/2022 | Cleared | 3810 | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CU Score not provided and FHLMC Collateral Rep and Warrant Relief not provided. |  |  | Third Party Valuation Product Provided. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10292 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/15/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; ULI provided XXX<br> , condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Severe Ice Storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Severe Ice Storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 09/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/20/2022 | Cleared | 3810 | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CU Score not provided and FHLMC Collateral Rep and Warrant Relief not provided. |  |  | Third Party Valuation Product Provided. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/15/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10296 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | The credit report reflects a credit inquiry on XX/XX/XXXX for XXX (Automotive). The lender included the new debt with a payment of $XXX into the DTI. However, the file is missing documentation to confirm the monthly payment of $XXX. |  |  | The lender provided documentation for the new debt with XXX, and a payment of $XXX. Condition cleared. | 09/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/12/2022 | Cleared | -96346 | Compliance | TRID Monitor Timing of Disclosures Finding | TRID Monitor Timing of Disclosures Finding.This loan contains at least one disclosure that fails one or more of the various disclosure timing provisions in the TILA-RESPA Integrated Disclosure section of Regulation Z. For more information, please see the TILA-RESPA Integrated Disclosure section of the full ComplianceAnalyzer report.While creditors are required to issue disclosures in good faith, the fact that a disclosure was not issued timely may or may not violate Regulation Z if the values are not used to reset tolerance baselines. However, some lenders and secondary market investors may prefer not to fund or buy loans that contain disclosures that were not issued timely under the regulation.; Closing Disclosure XX/XX, missing confirmation of delivery; Lender provided confirmation of delivery of the CD dated XX/XX/XX. Condition cleared. |  |  | This compliance test 'TRID Monitor Timing of Disclosures Finding' is no longer tested | 09/21/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CDA not provided - please provide. |  |  | Third Party Valuation Product Provided | 09/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/21/2022 | Cleared | 3810 | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CU Score not provided and FHLMC Collateral Rep and Warrant Relief not provided. | Change status of 'Third Party Valuation Product Not Provided' from Active to Revoked.;<br> invalid finding, subject property is a primary residence, CDA required, not a AVM, condition revoked prior to reporting it to the client | 09/22/2022 | Third Party Valuation Product Provided. | 09/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10335 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Corrected ULI: XXX |  |  | Lender provided the ULI: XXX Condition cleared. | 09/26/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> noted: |  |  | Lender provided the ULI: XXX Condition cleared. | 09/26/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10314 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/23/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10347 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10320 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Missing employment verification dated no more than XXX days prior to Note date. |  |  | VVOE: Lender provided the VVOE dated within XXX days of the note. Condition cleared. | 09/20/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10322 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3810 | Property | Third Party Valuation Product Not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CU Score not provided and FHLMC Collateral Rep and Warrant Relief not provided. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/15/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of tax and insurance on XXXX XXX.Missing confirmation of no HOA on XXXX XXX. (LOE in file from borower only discusses other properties but doesn't address this one.); XXXX XXX. Lender provided evidence of the taxes, please provide evidence of Insurance. XXXX XXX. Please provide evidence of no HOA, such as an LOE. Condition maintained. |  |  | Upon further review, there is no insurance on XXX XXX per the LOE and the home is owned free and clear. XXX XXX; there is no HOA as it is vacant land per property profile provided. Condition cleared. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10302 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | -99944 | Compliance | Late Fees Test | This loan failed the late fees test.The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX X, XXXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment.; Lender provided the signed Late Fee Addendum to the Promissory Note. XX calendar days after the note the charge will be X% or $XXX, whichever is greater, but not more than $XXX. Condition cleared. ; Note late fee term XX day grace period, X% charge, does not meet lender license type |  |  | This loan passed the late fees test.The loan has late fees that conform to the requirements for the lender's license type in the state where the property is located.For loans with a date creditor received application before XXX X, XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of ten dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))For loans with a date creditor received application on or after XXX X, XXX:When a scheduled payment in a consumer credit transaction is in default XXX days or more, the creditor may charge and collect a late charge not exceeding the greater of eighteen dollars ($XX) or five percent of the amount of the scheduled payment in default, not to exceed one hundred dollars ($XXX). The late charge may be collected only once on any scheduled payment, regardless of the period during which the scheduled payment remains in default. (AC §X-XX-X(a))PLEASE NOTE: Certain states impose a late charge restriction that requires a comparison of the late fees charge, expressed either as a percentage or a dollar amount, or as both. In cases where the user provided data does not contain the required data point, ComplianceAnalyzer® will calculate the required data point from the late charge value entered by the user, and for such purpose will use the system's calculation of the scheduled monthly payment amount. Such data point calculations are an estimate based on the user provided data, and may not reflect the actual late charge threshold on an irregular payment, or if the maximum permitted late charge is based on the amount of the scheduled payment that is outstanding and not the entire scheduled payment. | 09/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/16/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | D A |
| OBX2023J10346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/27/2022 | D A C |
| OBX2023J10346 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 09/22/2022 | D A |
| OBX2023J10336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/14/2022 | Cleared | 1245 | Credit | Transmittal Summary is Missing | The transmittal summary is Missing |  |  | Lender provided the XXX. Condition cleared. | 09/21/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/16/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | DTI of XXX% (Total Income of $XXX, Orig PITI of $XXX, Monthly debt of $XXX) exceeds the maximum allowable per AUS of XXX%. Lender did not take the XXX% expense allocation for the rental property at XX XXX which resulted in a higher DTI. Still within guidelines, however exceeds the X% tolerance. Please provide updated AUS findings reflecting the higher DTI. |  |  | Lender provided a revised AUS to reflect a correct higher DTI of XXX%. DTI is within the X% tolerance. Condition cleared. | 10/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/16/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/16/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only |  |  | Post disaster inspection confirms no property damage | 09/20/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10336 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/16/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; XXX requires that a CDA valuation report be completed on origination appraisal. – . The loan file must contain a copy of the CDA report, provided by XXX, and the appraisal value must be within XXX% of the CDA value. Condition maintained. ; CDA not found in file |  |  | Third party valuation product provided reflecting a XXX% variance. Condition cleared. | 10/19/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/19/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition for information purposes. DD firm to order. |  |  | Third Party Valuation Product Provided | 09/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/19/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/22/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10287 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/19/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/28/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the ULI: XXX Condition cleared. | 09/29/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10273 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/19/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; CCA provided within XXX% tolerance. Condition cleared.; Condition is for informational purpoes only. DD to order. |  |  | Third Party Valuation Product Provided | 09/26/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/28/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; ULI provided, XXX, condition cleared |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 09/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/20/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/21/2022 | Acknowledged | 1427 | Credit | LTV Exceeds AUS Maximum Allowable | The original LTV of XXX exceeds the maximum allowable per AUS of XXX | XX/XX/XXXX - Change status of 'LTV Exceeds Investor Overlay Maximum Allowable' from Active to Acknowledged by Client.;<br> The original LTV of XXX was approved by the AUS, however exceeds the maximum allowable per Investor Overlay of XXX. Investor has granted the exception to permit the XXX% LTV, this is deemed non-material, loan will be graded a B.; XX/XX/XXXX - Change severity of 'LTV Exceeds Investor Overlay Maximum Allowable' from Material to Non-Material."; | 09/30/2022 | XX/XX/XXXX - Change status of 'LTV Exceeds Investor Overlay Maximum Allowable' from Active to Acknowledged by Client.;<br> The original LTV of XXX was approved by the AUS, however exceeds the maximum allowable per Investor Overlay of XXX. Investor has granted the exception to permit the XX% LTV, this is deemed non-material, loan will be graded a B.; XX/XX/XXXX - Change severity of 'LTV Exceeds Investor Overlay Maximum Allowable' from Material to Non-Material."; | 09/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/21/2022 | Acknowledged | 1428 | Credit | CLTV Exceeds the AUS Maximum Allowable | The original CLTV of XXX exceeds the maximum allowable per Investor Overlays of XXX%. | XX/XX/XXXX - Change status of 'CLTV Exceeds the Invetor Overlay Maximum Allowable' from Active to Acknowledged by Client.;;<br> The original CLTV of XXX was approved by AUS, however exceeds the maximum allowable per Investor Overlays of XXX%. Investor has granted the exception to permit the XXX% CLTV, this is deemed non-material, loan will be graded a B.; XX/XX/XXXX - Change severity of 'CLTV Exceeds the Investor Overlay Maximum Allowable' from Material to Non-Material. | 09/30/2022 | XX/XX/XXXX - Change status of 'CLTV Exceeds the Invetor Overlay Maximum Allowable' from Active to Acknowledged by Client.;;<br> The original CLTV of XXX was approved by AUS, however exceeds the maximum allowable per Investor Overlays of XXX%. Investor has granted the exception to permit the XX% CLTV, this is deemed non-material, loan will be graded a B.; XX/XX/XXXX - Change severity of 'CLTV Exceeds the Investor Overlay Maximum Allowable' from Material to Non-Material. | 09/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10319 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/21/2022 | Acknowledged | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per the Investor Overlay of XXX% | Change status of 'DTI Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> The qualifying back-end DTI of XXX (Total Income of XXXXXX, Orig PITI of XXXXX, Monthly debt of XXXXX) was approved by the AUS, however exceeds the maximum allowable per Investor Overlay of XXX. Investor has granted the exception to permit the XXX% DTI, this is deemed non-material, loan will be graded a B. | 09/30/2022 | Change status of 'DTI Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX Monthly debt of XXX) was approved by the AUS, however exceeds the maximum allowable per Investor Overlay of XXX. Investor has granted the exception to permit the XXX% DTI, this is deemed non-material, loan will be graded a B. | 09/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/20/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/20/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 09/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/28/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10318 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/26/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | CCA provided. Third party Desk Review variance of - XX.XX exceeds XXXX% maximum allowed. DD firm to order addition third party desk review. Condition retained. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXXX%' from Active to Acknowledged by Client.;<br> Field Review provided supporting original appraised value, condition cleared. | 10/12/2022 | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.;<br> Field Review provided supporting original appraised value, condition cleared. | 10/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D C A |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Lender Credit changed no COC in file |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 09/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/22/2022 | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Lender Credit changed no COC in file; Lender provided the COC, Lock Confirmation, and Initial CD. New information discovered about the borrower which changed pricing of the loan. This change was disclosed to and executed by the borrower. Condition cleared. |  |  | This loan passed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 09/29/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/23/2022 | Cleared | 1261 | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval: Business returns and KX's for XXX, XXX, XXX have draft written across the tax returns and KX's. CPA letter provided is insufficent. Will need copies of returns without that draft across them. In addition XXX KX's for XXX has the same Draft across it and will need copies without as well. May be subject to further conditioning. |  |  | The IRS transcripts for the XXX's were provided in the loan file and you were able to match up the income compared to the business returns, no further documentation required, condition cleared. | 09/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/23/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 09/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/23/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Need confirmation of HOA dues for primary residence. ; Lender's response: XX/XX XXX The PITI for the borrower's departing primary is $XXX for taxes monthly, $XXX for insurance monthly, and $XXX for P&I. This totals $XXX which is listed on the XXXX. There are no HOA dues for this property.; Audit reviewed lender's response and has determined verification the borrower's departing residence does not have HOA fees was not provided. Condition retained.; The borrower's primary residence is X XXX Rd, which will be retained as an investment property. The subject property is located at XX. Please provide confirmation of HOA dues for the property located at XXX Rd. Condition maintained. |  |  | Audit reviewed lender's response and has determined verification the borrower's departing residence does not have HOA fees - single family residence per the fraud report - built in XXX. Condition cleared. | 10/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/28/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 09/30/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/23/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area |  |  |  | Post disaster inspection confirms no property damage | 09/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10340 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/23/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 09/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/27/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/05/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/05/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided the fraud report; however, the report does not reflect the (ULI) Universal Loan Identifier and the ULI was not found in file. Condition retained. |  |  | Lender provided the ULI: XXX<br> .. Condition cleared. | 10/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/27/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection: FEMA declared XXX county in a disaster area (Tornado) on XXX, with an incident end date of XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only.<br> ; Property is located in a FEMA disaster area with no post disaster inpection: FEMA declared XXX county in a disaster area (Tornado) on XXX, with an incident end date of XXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 09/29/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10312 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/27/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/05/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/30/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/30/2022 | Cleared | 3605 | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: X.Missing Final signed or certified copy of proceeds from sale of home. (only unsigned estimate was provided on pg XXX) X. Missing source of gift funds. There are two gift letters however DU findings requires source of the gift funds.; Lender provided final settlement statement reflecting proceeds of $XXX for purchase of subject property; however, did not provide source for the gift funds. Condition retained. |  |  | Lender provided the wire transfers to the title company as the source of funds from an eligible source for the gift funds totaling $XXX. Condition cleared. | 10/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/30/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of payoff of ALL debts belonging to the borrower including an IRS debt. DU findings shows debts were to be paid off at closing. Missing proof of XXX and XXX accounts were paid.; Lender provided settlement statement for subject transaction reflecting payoff of all accounts reflected on the AUS. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 10/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10270 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/30/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/05/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/03/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/04/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/03/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: UW unable to determine net rental income/loss for the rental properties. Please provide the following documentation. Lender income calculation worksheet, taxes ins and HOA for the following properties: XXX, and XXX. Provide taxes and ins for XXX, XXX, XXX, XXX along with proof of taxes and insurance. Additional conditions may apply.; Lender provided property profiles for XXX, XXX, XXX verifying the properties are owned free and clear. A property profile was provided for XXX. to determine the tax and insurance. For the property located at XXX., the mortgage statement provided only shows YTD, which may not include the total amount of tax and insurance, since some property taxes get paid twice a year, some up to X times a year. Please provide a property profile or tax and/or insurance declaration. Condition maintained. ; Lender provided the income calculation worksheet. Please provide taxes ins and HOA for the following properties: XXX. Provide taxes and ins for XXXX XXX,XXX,XXXUnable to determine the allocation of tax and insurance with the documentation provided. Please provide verification of taxes, insurance and HOA, such as a hazard insurance declaration or property profile. Please provide evidence of insurance for XXX, XXX, XXX, Conditions maintained. |  |  | Lender provided a property profile for the property located at XXX $XXX insurance $XXX and PITI $XXX. Condition cleared. | 10/17/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10289 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/03/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/05/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/05/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10334 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 2571 | Credit | Final Loan Application is Partial |  |  |  | Lender provided a corrected XXX showing income from other sources. Condition cleared. | 10/06/2022 | Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | Missing proof that new employment is non contingent. Offer letter in file states employment is contingent on successful mandatory training completion.; Lender provided VVOE dated post-closing confirming with the owner of the company that borrower is an active employee with a start date of XX/XX/XXXX; however, the VVOE does not indicate if the contingency of employment has been satisfied. Fannie Mae Selling guide requires, when employment letter reflects a contingency for employment, that the lender must confirm prior to closing that all conditions of employment are satisfied either by verbal verification or written documentation. The confirmation must be noted in the mortgage loan file. The offer letter reflects a contingency for completion of mandatory training requirement. Provide either verbal or written verification the mandatory training contingency has been completed to meet Fannie Mae requirements. Condition retained. |  |  | Audit has reviewed the offer letter and the borrower's employment is not contingent on completing the training requirements. Condition cleared. ;<br> ; | 10/12/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/12/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10338 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; | 10/05/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/05/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of HOA dues for rental at XXX.; Lender provided verification of HOA for REO property XXX. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 10/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/05/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided. |  |  | Lender provided the XXX Loan Identifier(ULI): XXX Condition cleared. | 10/06/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial: Please provide a tri merged or full XXX credit report as the report in file cannot be deciphered. May be subject to further conditions.; Lender provided legible credit report. Condition cleared. |  |  | Borrower credit report indicator is Present | 10/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10355 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Discount points increased from $XXX to $XXX no COC in file or proof a refund was issued; Lender provided valid COC and rate re-lock document verifying rate was re-locked increasing discount fee. Condition cleared. |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 10/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/06/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/06/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Severe Ice Storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. <br> ; Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (Severe Ice Storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. Condition cleared |  |  | Post disaster inspection confirms no property damage | 10/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/12/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; ULI provided, XXX, condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/06/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/12/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10357 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/05/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing; Audit reviewed lender's response and has determined the final executed CD reflects the escrow waiver information completed. Condition cleared. |  |  | The escrow waiver disclosure is Present | 10/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/07/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/12/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10349 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/07/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of HOA for primary residence or letter stating no HOA. |  |  | Lender provided evidence of the HOA payment of $XXX a month. Condition cleared. | 10/14/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | Condition added XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | XX/XX/XX: CCA provided within XX% tolerance. Condition cleared. | 10/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/10/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Escalated to the TRID team, which re-ran compliance and determined the fees are within tolerance. Condition cleared.; Lender Credit decreased from $XXK to $XK no LOX or COC in file |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 10/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10359 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/10/2022 | Cleared | -96348 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Escalated to Compliance for review. ; Escalated to the TRID team, which re-ran compliance and determined the fees are within tolerance. Condition cleared.; Lender Credit decreased from $XXK to $XK no LOX or COC in file |  |  | This loan passed the lender credits that cannot decrease test. (XX CFR §XXX(e)(X)(i))The loan contains lender credits that do not exceed the good faith determination according to §XXX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 10/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/13/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/13/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing confirmation that there are no HOA dues for primary residence which was retained. |  |  | Lender provided confirmation that there are no HOA dues for primary residence located at XXX XXX. Condition cleared. | 10/24/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 10/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | Condition added XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI, XXX<br> , condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/28/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10353 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/13/2022 | Cleared | 3425 | Credit | Liquid Reserves (Months) are less than AUS Minimum Required. | Liquid Reserves XXX (Months) are less than the Investor Overlays Minimum Required XXX.; Asset documentation provided is in the name of XXX XXX. Operating agreement or percentage of ownership, or access letter from a CPA was not provided. Condition maintained. ; Audit reviewed lender's response and has determined the statement provided is a portfolio account statement for invested funds, which meets Fannie Mae selling guide requirements for Stocks, Stock Options, Bonds and Mutual Funds. Condition cleared.; Overlays require X mos reserves. Borrowers are short.XX mos. |  |  | Liquid Reserves XXX (Months) are greater than or equal to the AUS Minimum Required X.XX. | 10/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 10/24/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/27/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | Condition added XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.; Lender provided valid ULI, XXX<br> , condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10348 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/21/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/21/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 10/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/21/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | CDA provided within XX% tolerance. Condition cleared. | 10/26/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10316 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/21/2022 | Cleared | 1247 | Credit | AUS is Missing |  |  |  | The AUS is received. | 10/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/03/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/X/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided |  |  | Lender provided the ULI for the subject loan: XXX Condition cleared. | 11/04/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10350 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/28/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XXX/XX/XXXX: HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/03/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/31/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/03/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/03/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/X/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. ULI provided, XX condition cleared | 11/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10367 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/31/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XXX/XX/XXXX: HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/03/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/01/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XXX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.; | 11/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/01/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. CDA not provided, please provide. ; XXX requires that a CDA valuation report be completed on origination appraisal. – . The loan file must contain a copy of the CDA report, provided by XXX, and the appraisal value must be within XXX% of the CDA value. Condition maintained. ; CDA provided within XXX% tolerance. Condition cleared. |  |  | CDA provided within XX% tolerance. Condition cleared. | 11/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10370 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/01/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per Investor Overlays of XXX%. Lender/Audit DTI differ due to consumer debt omitted by lender since the debt was paid off. XXX UW could not find documentation to support debt was paid off; The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per Investor Overlays of XXX%. Lender/Audit DTI differ due to consumer debt omitted by lender since the debt was paid off. XXX UW could not find documentation to support debt was paid off |  |  | The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX. Payoff of the XXX Card in the amount of $XXX listed on the addendum to the closing disclosure. Condition cleared. | 11/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/02/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof land "XXX is free and clear and provide proof of taxes and ins. ; Audit reviewed the lender's response. XXXX tax are located in the file, however, please provide proof the subject is owned free and clear and proof of taxes, such as a property profile report. Condition maintained. ; Lender provided property profile report verifying REO property owned free and cleared. The property taxes for XXXX and XXXX were found and verified on the schedule E in the loan file. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 11/16/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/04/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/X/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 11/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/02/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area |  |  |  | Post disaster inspection confirms no property damage | 11/03/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10354 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XXX/XX/XXXX: HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/04/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area |  |  |  | Post disaster inspection confirms no property damage | 11/08/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10351 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 11/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/09/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 11/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/08/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of hazard ins on former primary residence: XXX HOA stmt or letter stating no HOA. (XXX doesn't break out taxes and ins.)Taxes were provided in file.; Lender provided mortgage history, verifying escrows include hazard insurance and audit verified HOA fees from the fraud report. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 11/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10368 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/08/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; For informational purposes only. DD firm to order. |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/08/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/09/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of HOA for retained primary residence and rental or LOE's stating no HOA on these properties. (Additional conditions may apply.); Lender provided property search reflecting no HOA fees on departing residence and REO property. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 11/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10372 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/08/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 11/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 11/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/10/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing proof of HOA on former residence or LOE from the borrower stating no HOA on the property.; Lender provided property profile report verifying borrower's departing residence does not have HOA fees. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 11/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/10/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10365 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/10/2022 | Cleared | 1262 | Credit | CoBorrower Income Verification does not match Approval | TThe co-borrower income verification does not match approval: Lender to explain rationale for solely using XXXX business returns to calculate income when prior year returns were provided in the file (XXXX) reflected a greater loss compared to XXXX and the YTD XXXX XXX also reflects less income than XXXX. Co-borrower to also provide a LOE for decline in income for XXXX reflected on YTD XXX. (Additional conditions may apply); Lender provided updated AUS and XXXX to reflect the lower income averaging XXXX and XXXX income for co-borrower. Loan still qualifies using the lower income. Condition cleared. |  |  | The coborrower income verification does match approval | 11/14/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/09/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Field review provided within a X.XX% tolerance. Condition cleared.; For informational purposes only, DD firm to order. |  |  | Third Party Valuation Product Provided | 11/30/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/11/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 11/23/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10356 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/10/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/18/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Valid ULI found on XXX report. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 11/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/14/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 11/23/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10374 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/14/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | XX/XX/XXXX: HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/15/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. HMDA review completed, no Level X findings noted, condition cleared.; | 11/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/15/2022 | Cleared | 1248 | Credit | AUS is Partial | The AUS is Partial: DU to be rerun. Asset section shows validation of assets but that loan must close by XX/X/XXXX.Original date of submission was X/X/XXXX. The DU was rerun on XX/X/XXXX however the asset section was not updated to show corrected assets and new validation or asset requirements. |  |  | Lender provided updated AUS. Condition cleared. To further clarify, Lender provided updated AUS findings reflecting an approve/ineligible for the DTI of XXX% along with the updated assets. | 11/30/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/15/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided | 11/30/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10362 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/15/2022 | Acknowledged | 3420 | Credit | DTI Exceeds AUS Maximum Allowable |  | Change status of 'DTI Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> XXX authorized DTI Overlay waiver | 11/30/2022 | Change status of 'DTI Exceeds AUS Maximum Allowable' from Active to Acknowledged by Client.;<br> XXX authorized DTI Overlay waiver | 12/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D C A |
| OBX2023J10358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/17/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/18/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; XX/XX XXX Loan Identifier(ULI): XXX; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 11/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10358 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/17/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/17/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. HMDA review completed, this condition is cleared, however please see addition condition added for HMDA discrepancy - missing ULI.; | 11/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/18/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | XX/XX/XXXX: HMDA review complete. The following HMDA Discrepancy(s) have been noted: Universal Loan Identifier (ULI) not provided.<br> ; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 11/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10366 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/17/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided |  |  |  | Third Party Valuation Product Provided reflecting a XXX% variance, condition cleared. | 11/21/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | -96362 | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation.; Lender provided Initial CD. Condition cleared.; Rate Lock Extension Fee $XXXX, added to the Initial CD XX/XX/XX, COC in file dated XX/XX/XX | Change status of 'Reimbursement Amount Test' from Active to Revoked.;<br> Duplicate; Lender provided Initial CD. Condition cleared.; Rate Lock Extension Fee $XXXX, added to the Initial CD XX/XX/XX, COC in file dated XX/XX/XX | 12/07/2022 | This loan passed the reimbursement amount test. (XX CFR §XXX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §XXX(e)(X)(i) or (ii), the creditor complies with §XXX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XXX days after consummation, and the creditor complies with §XXX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XXX days after consummation. | 12/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | -96468 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(i) no later than three business days before consummation.; Audit reviewed Lenders response, however; Initial CD was received on XX/XX and closed on Monday XX/XX. Did not meet the X day requirement. Condition remains.; Lender provided Initial CD. Condition cleared.; Waiting period between disclosures was not met. Saturday was not included in this finding. Initial CD was received on XX/XX according to electronic signature and then closed on Monday XX/XX. |  |  | This loan passed the initial closing disclosure delivery date test.(XX CFR §XXX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f)(X)(i) no later than three business days before consummation. | 12/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i).; Exception is being fired because of Initial CD delivery date. It is not counting the COC with this CD causing the X% tolerance for the rate extension fee.; Lender provided Initial CD. Condition cleared.; Rate Lock Extension Fee $XXXX, added to the Initial CD XX/XX/XX, COC in file dated XX/XX/XX |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 12/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | -96368 | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; Lender provided Initial CD. Condition cleared.; Rate Lock Extension Fee $XXXX, added to the Initial CD XX/XX/XX, COC in file dated XX/XX/XX | Change status of 'Consummation or Reimbursement Date Validation Test' from Active to Revoked.;<br> Duplicate; Lender provided Initial CD. Condition cleared.; Rate Lock Extension Fee $XXXX, added to the Initial CD XX/XX/XX, COC in file dated XX/XX/XX | 12/07/2022 | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | 12/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10363 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/30/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 12/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10369 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 12/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10369 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | 3794 | Credit | Occupancy Status |  |  |  | Occupancy is supported by documentation provided in the loan file. | 12/05/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | 2578 | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Exception to guidelines with a XXXX days late X/XXXX. LOE from borrower pg XXX. XXX in file shows due for XX/X so is current.pg XXX.; Audit has reviewed and determined that that by FNMA standards, this borrower's mortgage history is acceptable. There are no investor overlays to apply when it comes to housing history.<br> Audit has noted the below:<br> • The borrower was never more than XXX days late.<br> • The borrower had already brought their payment current XXX days prior to loan application. (Application date was XX/XX/XXXX, mortgage was due for X/X/XXXX, and brought current/paid on XX/XX/XXXX) <br> • It appears that the DU decision is not impacted unless the mortgage is XXX days or more past due.<br> Nothing further required, condition cleared.<br> ; Audit has reviewed and determined when the investor overlays are silent, we revert to Fannie. Per Fannie, the borrowers existing mortgage must be current at the time of application, in this case it appears that the borrower was not current (past due amount $XXXX on X/XXXX) The loan was brought current prior to closing, however according to Fannie, the borrowers may not bring past-due mortgage accounts current prior to closing in order to circumvent Fannie's policy regarding past due mortgages.<br>; Audit reviewed Lenders response, however; Please submit exception request to XXX for XXXX Mortgage late. Condition remains. |  |  | Housing delinquency meets guidelines. | 12/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A C |
| OBX2023J10375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 12/02/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10375 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 11/29/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial: Missing complete copy of lease agreement for XXXX XXX rental. Only addendum to lease showing increase in rents was provided on pg XXX.Missing proof of HOA or letter stating no HOA on XXX property. (Rental); Lender provided Lease agreement, however; Please provide proof of HOA or letter stating no HOA on XXX property. (Rental). Condition remains.; No HOA on schedule E. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 12/07/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2023J10330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. DD firm will order.; Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided.; Third Party Valuation Product Provided. | 09/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided; Third Party Valuation Product Provided | 09/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/26/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided no level X discrepancies found. Condition cleared. | 09/01/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/01/2022 | Cleared | 3795 | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | The ULI Number on URLA XXX does NOT match the ULI Number provided by the Lender (XXXXXX). | Change status of 'ULI Number on URLA does not match ULI Number provided by the Lender' from Active to Revoked.;<br> invalid; Change status of 'ULI Number on URLA does not match ULI Number provided by the Lender' from Cleared to Revoked.;<br> invalid | 09/01/2022 | The ULI on URLA matches that of the ULI provided by the Lender. ; The ULI on URLA matches that of the ULI provided by the Lender. | 09/06/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 09/06/2022 | Acknowledged | 2460 | Property | Third Party Desk Review variance to appraised value exceeds 10% | Third party Desk Review variance of - XX.XX exceeds XXXX% maximum allowed. | Change status of 'Third Party Desk Review variance to appraised value exceeds XXXX%' from Active to Acknowledged by Client.;<br> XXXX received within tolerance - condition cleared/acknowledged. | 09/15/2022 | Change status of 'Third Party Desk Review variance to appraised value exceeds XXX%' from Active to Acknowledged by Client.;<br> XXX received within tolerance - condition cleared/acknowledged. | 09/15/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| OBX2023J10330 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 08/25/2022 | Acknowledged | 1236 | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing | Change status of 'Affiliated Business Disclosure is Missing' from Active to Acknowledged by Client.;<br> Non material. | 08/28/2022 | Change status of 'Affiliated Business Disclosure is Missing' from Active to Acknowledged by Client.;<br> Non material. | 08/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, no additional REO properties found and high alert for address discrepancy is due to subject recent purchase. Condition cleared. |  |  | Fraud report Present. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided.; HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 05/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Tool Required - CU Score > X.X. Condition for informational purposes. Due Diligence Firm will order.. |  |  | Third Party Valuation Product Provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 05/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - CU Score > X.X. Condition for informational purposes. Due Diligence Firm will order. |  |  | Third Party Valuation Product Provided | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A |
| OBX2023J10126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 04/29/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 04/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10126 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, high alerts on fraud report are for possible undisclosed properties, audit confirmed all properties were disclosed on the XXXX. Condition cleared. |  |  | Fraud report Present. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/01/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, all properties on the report are disclosed on the XXXX and the high alert for the address discrepancy is due to the recent subject purchase. Condition cleared. |  |  | Fraud report Present. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/01/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial- File is missing Original XXX Report dated XX/XX/XX Per AUS Final Submission; Credit Report on file is dated XX/XX/XXXX is Incomplete and missing Credit Scores for both applicants |  |  | Lender provided the credit report dated X/X/XX. Condition cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | A verification of employment dated within XXX days of the note date was not provided for the borrower. |  |  | Lender provided the VOE for the borrower and co borrower. Initial VOE completed on X/XX/XX and re-verified on X/X/XX. Condition cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing a XX day verification of employment for the borrower. |  |  | Lender provided the VOE for the borrower and co borrower. Initial VOE completed on X/XX/XX and re-verified on X/X/XX. Condition cleared. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/17/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit purchase value $XXX vs Lender value $XXXXXX, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreein with audit's finding, or providing documentation to support their value.; Lender agreed with HMDA discrepancy. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 721 | Credit | Borrower Credit Report is Missing | Missing Borrower credit report |  |  | Lender provided the credit report for the borrower and co borrower. Condition cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 724 | Credit | CoBorrower Credit Report is Missing | CoBorrower credit report is missing. |  |  | Lender provided the credit report for the borrower and co borrower. Condition cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXXXX with a variance of - XX.XX exceeds XXXX% allowable variance.; CCA received - within tolerance - condition cleared. |  |  | Additional third party valuation requested to support value. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10128 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, which reflected high alert for possible undisclosed properties. Audit confirmed all properties were disclosed on the XXXX. The other properties listed on the fraud report reflected borrower sale of properties prior to the subject loan closing. Condition cleared. |  |  | Fraud report Present. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/17/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | HMDA discrepancy noted: Audit value purchase price $XXX vs Lender value $XXX, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreein with audit's finding, or providing documentation to support their value.; HMDA discrepancy noted: Audit Loan Originating person NMLS is XXX vs Lender XXX Lender may clear finding by agreeing with Audit's value or provide documentation to support their value. Lender is using Company NMLS in place of the originating person NMLS.; Lender agreed with HMDA discrepancy. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10129 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area with no post disaster inpection. FEMA declared XXX county in a disaster area (severe ice storm) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in file si dated XX/XX/XXXXshows no damage. Exception is for informational purposes only. |  |  | Post disaster inspection confirms no property damage | 05/05/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Audit reviewed lender's response and has determined the finding was added due to a missing note which was provided. Condition cleared. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 397 | Credit | Note Document Indicator is Partial | Note document indicator is Partial- Note is missing the last page, signature page not included in images. |  |  | Lender provided the complete signed Note. Condition cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Address discrepancy in last XXX days which is due to subject property purchase within the last XXX days. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXX with a variance of XXX exceeds XXXX% allowable variance.; CCA received - within tolerance - condition cleared. |  |  | Additional third party valuation requested to support value. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3600 | Property | Third party AVM Confidence Score is less than 80% | Third party AVM Confidence Score of XXX is less than XXX%. |  |  | Additional third party valuation requested to support value. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/17/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit value purchase price $XXX vs Lender value $XXX, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreein with audit's finding, or providing documentation to support their value.; Lender agreed with HMDA discrepancy. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/18/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. The file is missing the initial credit report as indicated on the AUS section XX. Only a credit trade update was provided. Additional conditions may apply. |  |  | Lender provided the credit report for the borrower and co borrower. Condition cleared. | 05/04/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | -96366 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX(e)(X)(i))The loan contains charges that do not exceed the good faith determination according to §XXX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(X)(i). | 07/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared. <br> ; Loan is pending HDMA data review. This condition is for information purposes only. DD firm to complete. (Additional conditions may apply). |  |  | HMDA data tape provided. | 05/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10132 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there was a high alert for address discrepancy in last XXX days which is due to subject property purchase within the last XXX days. Condition cleared. | 05/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided.; Third Party Valuation Product Provided. | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 651 | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. As per AUS credit report used was not provided in the loan file. Additional conditions may apply. |  |  | Lender provided the credit report for the borrower. Condition cleared. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/05/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing initial credit report. |  |  | Lender provided the credit report for the borrower and co borrower. Condition cleared. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10133 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 654 | Credit | CoBorrower Liabilities Verified Indicator is Partial | CoBorrower liabilities verified indicator is Partial. As per AUS credit report used was not provided in the loan file. Additional conditions may apply. ; Lender provided the credit report for the Co borrower. Condition cleared. |  |  | CoBorrower liabilities verified indicator is Present | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | A verification of employment dated within XXX days of the note date was not provided for the borrower. |  |  | Lender provided the VVOE dated within XXX days of the note. Condition cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing employment verification within XXX days of note date. |  |  | Lender provided the VVOE dated within XXX days of the note. Condition cleared. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  | Change status of 'HMDA Data Tape Not Provided' from Active to Acknowledged by Client.;<br> HMDA received, no level X conditions noted, condition cleared. ; | 05/17/2022 | HMDA data tape provided.; HMDA received, no level X conditions noted, condition cleared. ; | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10134 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | D A |
| OBX2023J10135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report Missing.; The Xrd Party Fraud Report was missing from the file at the time of review. |  |  | Fraud report Partial.; Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Condition cleared. | 05/11/2022 | D A |
| OBX2023J10135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | D A |
| OBX2023J10135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2177 | Credit | Property is located in a FEMA disaster area | Property is located in a FEMA disaster area. FEMA declared XXX county in a disaster area (wildfires) on XX/XX/XXXX with a release date of XX/XX/XXXX. The appraisal in file is dated XX/XX/XXXX and shows no damage. However, the appraisal date is prior to the FEMA release date. A Post Disaster inspection is required. ; XXX received - no damage - condition cleared. |  |  | Post disaster inspection confirms no property damage | 05/06/2022 | D A C |
| OBX2023J10135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2957 | Property | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | Property located in FEMA Declared Disaster Area with no subsequent Property Inspection; XXX received - no damage - condition cleared. |  |  | Post Disaster Inspection provided | 05/06/2022 | D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for informational purposes only- DD firm will order. |  |  | Third Party Valuation Product Provided | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1258 | Credit | CoBorrower Employment Verification does not meet guidelines | A verification of employment dated within XXX days of the note date was not provided for the co-borrower. ; Lender provided VVOE dated post closing, which meets AUS requirements. Condition cleared. |  |  | The exception 'CoBorrower Employment Verification does not meet guidelines' is cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing employment verification for the co-borrower.; Lender provided VVOE dated post closing, which meets AUS requirements. Condition cleared. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. The file is missing the initial credit report used for the AUS. Only a credit update was provided. Additional conditions may apply. ; Lender provided credit report associated with AUS. Condition cleared. |  |  | Borrower credit report indicator is Present | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10136 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA Data Tape provided. Loan is pending HMDA data review. Condition is for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply).; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Acknowledged | 1434 | Credit | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/X/XXXX is after the note date of X/XX/XXXX; Audit reviewed the lender's response and has determined documentation from the insurance provider showing no claims during the period is required, or a property Inspection showing no damage.. Lender can also escalate to XXX for a waiver (waiver requests must be submitted to XXX). Condition retained.; Please provide confirmation from the insurance company. Condition maintained. | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Acknowledged by Client.;<br> XXX received by XXX along with Lender letter indicating no damage or claims. XXX approved - downgrade to B. | 05/25/2022 | Change status of 'Hazard Insurance Effective Date is after the Note Date' from Active to Acknowledged by Client.;<br> XXX received by XXX along with Lender letter indicating no damage or claims. XXX approved - downgrade to B. | 05/25/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| OBX2023J10137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/11/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Lender provided the Fraud Report showing High Alerts that have not been addressed. Borrower property ownership records indicate possible undisclosed real estate and/or mortgage debt. XXX, XXX.; Lender provided property search verifying borrower sold property. Condition cleared. |  |  | Alerts from Fraud Report have been cleared. | 05/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D C A |
| OBX2023J10137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report Present. | 05/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 871 | Credit | Hazard Insurance Indicator is Partial | Hazard insurance indicator is Partial. The effective date of the policy is XX/XX/XXXX, and the Note date is X/XX/XXXX.; Audit reviewed the lender's response. Please provide documentation from the insurance provider showing no claims during the period , or a property Inspection showing no damage.. Lender can also escalate to XXX for a waiver (waiver requests must be submitted to XXX). Condition maintained. ; XXX received by XXX along with Lender letter indicating no damage or claims. XXX approved - downgrade to B. |  |  | Hazard insurance indicator is Present | 05/25/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. | Change status of 'Third Party Valuation Product not Provided' from Cleared to Rescind.;<br> CU < X.X | 05/02/2022 | Third Party Valuation Product Provided; Third Party Valuation Product Provided; Third Party Valuation Product Provided | 05/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. Credit report on file is not the credit report used as per the final AUS on file ; Lender provided credit report matching AUS. Condition cleared. |  |  | Borrower credit report indicator is Present | 05/04/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q. |  |  | Lender provided credit report matching AUS. Condition cleared. | 05/11/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10138 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there was a high alert for address discrepancy in last XXX days which is due to subject property purchase within the last XXX days. Condition cleared. | 05/11/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there was a high alert for address discrepancy in last XXX days which is due to subject property purchase within the last XXX days. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there was a high alert for address discrepancy in last XXX days which is due to subject property purchase within the last XXX days. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending due to missing credit report used for AUS. |  |  | Lender provided credit report dated XX/XX/XXXX. Condition cleared.; The exception 'ATR/QM Status is Pending' is cleared. | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. The file is missing the credit report dated XX/XX/XXXX as indicated on the AUS section XX. Additional conditions may apply. ; Lender provided credit report dated XX/XX/XXXX. Condition cleared. |  |  | Borrower credit report indicator is Present | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10140 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1248 | Credit | AUS is Partial |  |  |  | The AUS is received. | 05/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/17/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit value purchase price $XXX vs Lender value $XXX, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreein with audit's finding, or providing documentation to support their value.; Agreed LTV should be based on sales price of $XXX.; Lender agreed with audit values. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/18/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/11/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Lender provided the Fraud Report showing High Alerts that have not been addressed. Borrower(s) may have been identified on internal company Watchlist List.; Audit reviewed lender's response and has determined the fraud report has found a possible match on the XXX or borrower XXX. Provide documentation to verify borrower is not on the watchlist for GSA-EPLS. Condition retained.; Lender provided response - Different person on Fraud report (Similar/Familiar names). Conditions cleared. |  |  | Alerts from Fraud Report have been cleared. | 05/31/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided | 05/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided. |  |  | HMDA data tape provided. | 05/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report Present. | 05/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report Present. | 05/11/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/11/2022 | Cleared | 2427 | Credit | Fraud Report Shows Uncleared Alerts | Lender provided the Fraud Report showing High Alerts that have not been addressed. Borrower property ownership records indicate possible undisclosed real estate and/or mortgage debt. XXX; Audit reviewed Lenders response, however; Please updated XXXX adding additional property Identified to include Taxes and Insurance debt service. Condition remains.; Lender provided corrected XXXX. Condition cleared.; Lender provided property report which indicates on page X under property ownership, that co-borrower XXX is the current owner of XXX XXX. Provide updated XXXX, XXXX and AUS and PITIA documentation for property or provide documentation to verify omission of debt from calculations. Condition retained. |  |  | Alerts from Fraud Report have been cleared. | 05/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3420 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXXX, Orig PITI of XXX, Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; Within tolerance. COndition cleared |  |  | The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The qualifying back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX, Orig PITI of XXX, Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | 05/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A C |
| OBX2023J10142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; XXX |  |  | HMDA data tape provided. | 05/17/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10142 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1061 | Credit | Borrower Employment Verification Level is missing | The borrower employment verification level is Missing; Lender provided VVOE dated post-closing which meets AUS requirements. Condition cleared. |  |  | The borrower employment verification level is Level X - Verified-direct independent verif w/Xrd party | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Lender provided VVOE dated post-closing which meets AUS requirements. Condition cleared. |  |  | The exception 'ATR/QM Status is Pending' is cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing. |  |  | Fraud report received, there are high alerts for undisclosed properties, which audit confirmed were all disclosed on loan application. Address discrepancy in last XXX days which is due to subject property purchase within the last XXX days. Condition cleared. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/03/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, there are high alerts for possible foreclosure activity and possible undisclosed properties. Audit confirmed there are no foreclosures or derogatory items reflected on the credit report and all properties have been disclosed on the XXXX. Condition cleared. |  |  | Fraud report Present. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/13/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. |  |  | Third Party Valuation Product Provided | 05/13/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3032 | Credit | Updated credit report shows significant negative changes | Updated credit report shows the following significant negative changes - ; Lender provided credit report matching AUS. Condition cleared.; Post close Credit Report reflects significant changes to credit: XXX #XXXX balance/monthly payment increased from $XXX/$XXX to $XXX/$XXX (PXXXX). |  |  | The exception 'Updated credit report shows significant negative changes' is cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1568 | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | The principal and interest payment on the Final Closing Disclosure does not match the original principal and interest payment payment (XXX) on the Note.; NONB material. |  |  | Original PI Payment on Note matches Final CD; Original PI Payment on Note matches Final CD | 05/02/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 725 | Credit | CoBorrower Credit Report Indicator is Partial | CoBorrower credit report indicator is Partial; AUS based on Credit Report dated XXX with Credit Report ID XXX however, that Credit Report was not provided.; Lender provided credit report matching AUS. Condition cleared. |  |  | CoBorrower credit report indicator is Present | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10144 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 722 | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial; AUS based on Credit Report dated XXX with Credit Report ID XXX however, that Credit Report was not provided.; Lender provided credit report matching AUS. Condition cleared. |  |  | Borrower credit report indicator is Present | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/04/2022 | Cleared | 3598 | Property | Third Party AVM to appraised value exceeds 10% allowable variance | Third party AVM value of XXXX with a variance of - XX.XX exceeds XXXX% allowable variance.; CCA received - within tolerance - condition cleared. |  |  | Additional third party valuation requested to support value. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/17/2022 | Cleared | 3604 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: HMDA discrepancy noted: Audit value purchase price $XXX vs Lender value $XXX, per HMDA property value is the value used to calculate the LTV. Lender can clear finding by agreein with audit's finding, or providing documentation to support their value.; Agreed the LTV should be based on purchase price of $XXX and not the appraised value. Please proceed.; Lender agreed with audit values. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 05/19/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2023J10145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, there were high alerts for property ownership records online and possib undisclosed property. Audit confirmed the property ownership records was due to the subject second home purchase and all properties were disclosed on the XXXX. Condition cleared. |  |  | Fraud report Present. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10145 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA Data Tape provided. Loan is pending HMDA data review. Condition is for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. D A |
| OBX2023J10146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA data tape not provided.; HMDA received, no level X conditions noted, condition cleared.  |  |  | HMDA data tape provided. | 05/17/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 2077 | Credit | Fraud Report Missing | Fraud report Missing.; Fraud report received, there are high alerts for address discrepancy in last XXX days and possible undisclosed properties. Audit confirmed the subject transaction is a purchase of an ower occupied property which clears the high alert for address discrepancy and audit confirmed all properties were disclosed on the XXXX. Condition cleared. |  |  | Fraud report Present. | 05/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX.; Cu score X.X and missing tpv to support appraised value. |  |  | Third Party Valuation Product Provided. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 04/29/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.; Condition is for information purposes only – DD firm will order".\*\*\* |  |  | Third Party Valuation Product Provided | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 1257 | Credit | Borrower Employment Verification does not meet guidelines | Missing VVOE for XXX within XX business days prior to Note date.; Lender provided VVOE dated within XXX days of the Note date. Condition cleared. |  |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | 05/04/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10146 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 05/02/2022 | Cleared | 3551 | Compliance | ATR/QM Status is Pending | ATR/QM Status is pending. Noted documentation is required per Appendix Q.; ATR/QM Status is pending. Noted documentation is required per Appendix Q.; Missing tpr and HMDA and VVOE for BX |  |  | Lender provided VVOE dated within XXX days of the Note date. Condition cleared.; NA | 05/10/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years D A C |
| OBX2023J10093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/08/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. | 02/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/09/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The loan meets all applicable credit guidelines. | 02/09/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/11/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The loan is in compliance with all applicable laws and regulations. | 02/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10094 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/11/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The loan meets all applicable credit guidelines. | 02/11/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/18/2022 | Cleared | 1904 | Credit | Hazard Insurance Coverage is Not Sufficient |  |  |  | Hazard insurance coverage is XXX, the subject loan amount is XXX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX. | 01/23/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| OBX2023J10085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/17/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Declaration page has replacement cost coverage but there is not a cost estimator or % of replacement cost in the file. Provide the cost estimator or % amount.for the replacement cost. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; RCE - hazard coverage is sufficient; Exception cleared. ; Declaration page has replacement cost coverage but there is not a cost estimator or % of replacement cost in the file. Provide the cost estimator or % amount.for the replacement cost. | 01/23/2022 | Hazard insurance coverage is sufficient. | 01/23/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| OBX2023J10085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/19/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The exception 'No Credit Findings' is cleared. | 01/23/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| OBX2023J10090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/20/2022 | Cleared | 3158 | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | Third Party Valuation Product Not Provided and CU Score is XXX. | Change status of 'Third Party Valuation Product Not Provided and CU Score is Greater Than X.X' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; Residential Short form review; Exception cleared. | 02/07/2022 | Third Party Valuation Product Provided. | 02/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/20/2022 | Cleared | 3437 | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Change status of 'Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable.' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; Residential Short form review; Exception cleared. | 02/07/2022 | Third Party Valuation Product Provided. | 02/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 02/07/2022 | Cleared | 3580 | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. | Change status of 'Third Party Valuation Product not Provided' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; Residential Short form review; Exception cleared. | 02/07/2022 | Third Party Valuation Product Provided in trailing docs. | 02/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/20/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The loan is in compliance with all applicable laws and regulations. | 01/20/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10090 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 03/01/2022 | Cleared | 2074 | Credit | Executed HELOC closure letter not provided. | Missing executed documentation HELOC is closed to future draws |  |  | HELOC closure documentation provided | 03/01/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A C |
| OBX2023J10087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/27/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations.<br> ; The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 01/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/27/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines.; The loan meets all applicable credit guidelines. |  |  | The exception 'No Credit Findings' is cleared. | 01/27/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10086 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/28/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The loan is in compliance with all applicable laws and regulations. | 01/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10086 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/28/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The loan meets all applicable credit guidelines. | 01/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/26/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The loan is in compliance with all applicable laws and regulations. | 01/26/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| OBX2023J10091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/27/2022 | Cleared | 3557 | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Change status of 'Hazard Insurance Coverage is Not Sufficient.' from Active to Open Rebuttal.; XX/XX/XXXX: Received trailing docs; LOX- HOI has XXX% Extended coverage A. Coverage is sufficient. Exception cleared. | 02/07/2022 | Hazard insurance coverage is sufficient. Extended coverage is present. | 02/07/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years C A |
| OBX2023J10092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/28/2022 | Cleared | 1222 | Compliance | Home loan Toolkit is Missing | The home loan toolket is Missing | Change status of 'Home loan Toolkit is Missing' from Active to Open Rebuttal.; XX/XX/XXXX: Received HTK in trailing docs; Exception cleared. | 02/08/2022 | The home loan toolket received. | 02/08/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10092 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/31/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The loan meets all applicable credit guidelines. | 01/31/2022 | Borrower XXX hassignificant job time - Borrower has XXX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX years ; Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. ; Borrower Years On Job Exceeds XXX Years - Borrower Years On Job Exceeds XXX Years A |
| OBX2023J10089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | QCInProgress | 02/02/2022 | Cleared | 3603 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | The loan meets all applicable credit guidelines. | 02/02/2022 | Borrower has stable job time - Borrower has XXX years at job. ; Liquid Reserves (Dollars) are Greater than the Guideline Minimum - Liquid Reserves of XXXX are greater than the Guideline Minimum of XXX. A |
| OBX2023J10088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/27/2022 | Cleared | 3510 | Compliance | Higher-Priced Mortgage Loan Escrow Alert (12 CFR 1026.35(b)) | Loan is a Higher-Priced Mortgage Loan and Escrow Indicator is No Escrows. |  |  | Condition not applicable. Condition cleared. | 01/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/21/2022 | Cleared | 1242 | Compliance | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing. Appropriate boxes not checked on final CD. Pg XXX | Change status of 'Escrow Waiver Disclosure is Missing' from Active to Open Rebuttal.; Client provided PCCD to cure exception waiver. | 01/28/2022 | The escrow waiver disclosure is Present | 01/28/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10088 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/24/2022 | Cleared | 3602 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | The exception 'No Compliance Findings' is cleared. | 01/27/2022 | Borrower has more than X years at current residence - Borrower at current residence XXX years D A C |
| OBX2023J10002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 06/03/2021 | Cleared | 3606 | Credit | HMDA Data Tape Not Provided | HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply.); HMDA data tape not provided. |  |  | XX/XX/XXXX: HMDA review completed, no Level X findings noted, condition cleared.;<br> ; HMDA data tape provided. | 06/08/2021 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |
| OBX2023J10002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor | Closed | 06/03/2021 | Cleared | 945 | Credit | Servicing Comments are Missing | Servicing comments are missing. ; Per Investor request, please provide all servicing comment histories from the seller/servicer to confirm the borrowers have not inquired about or requested COVID-XX relief assistance after closing. Additional conditions may apply. |  |  | Lender provided servicing comments, there is no evidence of COVID relief inquires. Condition cleared. | 06/09/2021 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX months or $XXX are greater than the Guideline Minimum of XXX or $XXX. ; Borrower has more than X years at current residence - Borrower at current residence XXX years D A |

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## Exhibit 99.17

**Exhibit 99.17**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| OBX2023J10154 |  | XXXXX | $XXXXXX D C A B |
| OBX2023J10336 |  | XXXXX | $XXXXXX D A |
| OBX2023J10330 |  | XXXXX | $XXXXXX D B A |
| OBX2023J10026 |  | XXXXX | $XXXXXX D A |
| OBX2023J10027 |  | XXXXX | $XXXXXX D A |
| OBX2023J10028 |  | XXXXX | $XXXXXX D A |
| OBX2023J10338 |  | XXXXX | $XXXXXX D A |
| OBX2023J10105 |  | XXXXX | $XXXXXX D A |
| OBX2023J10150 |  | XXXXX | $XXXXXX D A |
| OBX2023J10118 |  | XXXXX | $XXXXXX D A |
| OBX2023J10168 |  | XXXXX | $XXXXXX D A |
| OBX2023J10177 |  | XXXXX | $XXXXXX D A |
| OBX2023J10152 |  | XXXXX | $XXXXXX D A |
| OBX2023J10182 |  | XXXXX | $XXXXXX D A |
| OBX2023J10190 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10181 |  | XXXXX | $XXXXXX D A |
| OBX2023J10155 |  | XXXXX | $XXXXXX D A |
| OBX2023J10158 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10164 |  | XXXXX | $XXXXXX D A |
| OBX2023J10169 |  | XXXXX | $XXXXXX D A |
| OBX2023J10254 |  | XXXXX | $XXXXXX D A |
| OBX2023J10172 |  | XXXXX | $XXXXXX D A |
| OBX2023J10179 |  | XXXXX | $XXXXXX D A |
| OBX2023J10187 |  | XXXXX | $XXXXXX D A |
| OBX2023J10185 |  | XXXXX | $XXXXXX D A |
| OBX2023J10186 |  | XXXXX | $XXXXXX D A |
| OBX2023J10278 |  | XXXXX | $XXXXXX D A |
| OBX2023J10247 |  | XXXXX | $XXXXXX D A |
| OBX2023J10207 |  | XXXXX | $XXXXXX D A |
| OBX2023J10259 |  | XXXXX | $XXXXXX D A |
| OBX2023J10275 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10347 |  | XXXXX | $XXXXXX D A |
| OBX2023J10224 |  | XXXXX | $XXXXXX D A |
| OBX2023J10225 |  | XXXXX | $XXXXXX D A |
| OBX2023J10245 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10258 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10242 |  | XXXXX | $XXXXXX D A |
| OBX2023J10241 |  | XXXXX | $XXXXXX D A |
| OBX2023J10315 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10251 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10246 |  | XXXXX | $XXXXXX D A |
| OBX2023J10264 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10261 |  | XXXXX | $XXXXXX D C A B |
| OBX2023J10263 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10271 |  | XXXXX | $XXXXXX D A |
| OBX2023J10277 |  | XXXXX | $XXXXXX D A |
| OBX2023J10282 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10267 |  | XXXXX | $XXXXXX D A |
| OBX2023J10273 |  | XXXXX | $XXXXXX D A |
| OBX2023J10299 |  | XXXXX | $XXXXXX D A |
| OBX2023J10287 |  | XXXXX | $XXXXXX D A |
| OBX2023J10286 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10298 |  | XXXXX | $XXXXXX D A |
| OBX2023J10288 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10293 |  | XXXXX | $XXXXXX D A |
| OBX2023J10295 |  | XXXXX | $XXXXXX D A |
| OBX2023J10314 |  | XXXXX | $XXXXXX D A |
| OBX2023J10312 |  | XXXXX | $XXXXXX D A |
| OBX2023J10313 |  | XXXXX | $XXXXXX D A |
| OBX2023J10318 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10340 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10331 |  | XXXXX | $XXXXXX D A |
| OBX2023J10346 |  | XXXXX | $XXXXXX D A |
| OBX2023J10355 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10359 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10354 |  | XXXXX | $XXXXXX D A |
| OBX2023J10348 |  | XXXXX | $XXXXXX D A |
| OBX2023J10367 |  | XXXXX | $XXXXXX D A |
| OBX2023J10350 |  | XXXXX | $XXXXXX D A |
| OBX2023J10353 |  | XXXXX | $XXXXXX D A |
| OBX2023J10372 |  | XXXXX | $XXXXXX D A |
| OBX2023J10368 |  | XXXXX | $XXXXXX D A |
| OBX2023J10356 |  | XXXXX | $XXXXXX D A |
| OBX2023J10358 |  | XXXXX | $XXXXXX D A |
| OBX2023J10021 |  | XXXXX | $XXXXXX D A |
| OBX2023J10148 |  | XXXXX | $XXXXXX D A |
| OBX2023J10109 |  | XXXXX | $XXXXXX D A |
| OBX2023J10124 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10153 |  | XXXXX | $XXXXXX D A |
| OBX2023J10171 |  | XXXXX | $XXXXXX D A |
| OBX2023J10178 |  | XXXXX | $XXXXXX D A |
| OBX2023J10226 |  | XXXXX | $XXXXXX D A |
| OBX2023J10257 |  | XXXXX | $XXXXXX D A |
| OBX2023J10268 |  | XXXXX | $XXXXXX D C B A |
| OBX2023J10292 |  | XXXXX | $XXXXXX D A |
| OBX2023J10276 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10281 |  | XXXXX | $XXXXXX D A |
| OBX2023J10302 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10303 |  | XXXXX | $XXXXXX D A |
| OBX2023J10319 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10357 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10351 |  | XXXXX | $XXXXXX D A |
| OBX2023J10366 |  | XXXXX | $XXXXXX D A |
| OBX2023J10365 |  | XXXXX | $XXXXXX D A |
| OBX2023J10316 |  | XXXXX | $XXXXXX D A |
| OBX2023J10125 |  | XXXXX | $XXXXXX D A |
| OBX2023J10126 |  | XXXXX | $XXXXXX D A |
| OBX2023J10127 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10128 |  | XXXXX | $XXXXXX D A |
| OBX2023J10129 |  | XXXXX | $XXXXXX D A |
| OBX2023J10130 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10131 |  | XXXXX | $XXXXXX D A |
| OBX2023J10132 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10133 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10134 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10135 |  | XXXXX | $XXXXXX D A |
| OBX2023J10136 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10137 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10138 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10139 |  | XXXXX | $XXXXXX D A |
| OBX2023J10140 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10141 |  | XXXXX | $XXXXXX D A |
| OBX2023J10142 |  | XXXXX | $XXXXXX D A |
| OBX2023J10143 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10144 |  | XXXXX | $XXXXXX D B A |
| OBX2023J10145 |  | XXXXX | $XXXXXX D A |
| OBX2023J10238 |  | XXXXX | $XXXXXX D A |
| OBX2023J10248 |  | XXXXX | $XXXXXX D A |
| OBX2023J10321 |  | XXXXX | $XXXXXX D A |
| OBX2023J10024 |  | XXXXX | $XXXXXX D C A B |
| OBX2023J10008 |  | XXXXX | $XXXXXX D A |
| OBX2023J10014 |  | XXXXX | $XXXXXX D A |
| OBX2023J10098 |  | XXXXX | $XXXXXX D A |
| OBX2023J10023 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10198 |  | XXXXX | $XXXXXX D A |
| OBX2023J10106 |  | XXXXX | $XXXXXX D A |
| OBX2023J10120 |  | XXXXX | $XXXXXX D A |
| OBX2023J10203 |  | XXXXX | $XXXXXX D A |
| OBX2023J10194 |  | XXXXX | $XXXXXX D A |
| OBX2023J10183 |  | XXXXX | $XXXXXX D A |
| OBX2023J10159 |  | XXXXX | $XXXXXX D A |
| OBX2023J10173 |  | XXXXX | $XXXXXX D A |
| OBX2023J10161 |  | XXXXX | $XXXXXX D A |
| OBX2023J10188 |  | XXXXX | $XXXXXX D A |
| OBX2023J10192 |  | XXXXX | $XXXXXX D A |
| OBX2023J10215 |  | XXXXX | $XXXXXX D A |
| OBX2023J10234 |  | XXXXX | $XXXXXX D A |
| OBX2023J10220 |  | XXXXX | $XXXXXX D A |
| OBX2023J10235 |  | XXXXX | $XXXXXX D A |
| OBX2023J10269 |  | XXXXX | $XXXXXX D A |
| OBX2023J10274 |  | XXXXX | $XXXXXX D A |
| OBX2023J10284 |  | XXXXX | $XXXXXX D A |
| OBX2023J10324 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10174 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10334 |  | XXXXX | $XXXXXX D A |
| OBX2023J10326 |  | XXXXX | $XXXXXX D A |
| OBX2023J10349 |  | XXXXX | $XXXXXX D A |
| OBX2023J10370 |  | XXXXX | $XXXXXX D A |
| OBX2023J10369 |  | XXXXX | $XXXXXX D A |
| OBX2023J10094 |  | XXXXX | $XXXXXX A |
| OBX2023J10017 |  | XXXXX | $XXXXXX D A |
| OBX2023J10091 |  | XXXXX | $XXXXXX C A |
| OBX2023J10085 |  | XXXXX | $XXXXXX C A |
| OBX2023J10090 |  | XXXXX | $XXXXXX C A D |
| OBX2023J10089 |  | XXXXX | $XXXXXX A |
| OBX2023J10093 |  | XXXXX | $XXXXXX A |
| OBX2023J10092 |  | XXXXX | $XXXXXX A B |
| OBX2023J10083 |  | XXXXX | $XXXXXX D A |
| OBX2023J10087 |  | XXXXX | $XXXXXX A |
| OBX2023J10086 |  | XXXXX | $XXXXXX A |
| OBX2023J10029 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10151 |  | XXXXX | $XXXXXX D C A B |
| OBX2023J10102 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10255 |  | XXXXX | $XXXXXX D A |
| OBX2023J10265 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10270 |  | XXXXX | $XXXXXX D A |
| OBX2023J10322 |  | XXXXX | $XXXXXX D A |
| OBX2023J10362 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10146 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10320 |  | XXXXX | $XXXXXX D A |
| OBX2023J10308 |  | XXXXX | $XXXXXX D A |
| OBX2023J10195 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10266 |  | XXXXX | $XXXXXX D C A B |
| OBX2023J10272 |  | XXXXX | $XXXXXX D A |
| OBX2023J10289 |  | XXXXX | $XXXXXX D A |
| OBX2023J10296 |  | XXXXX | $XXXXXX D A |
| OBX2023J10243 |  | XXXXX | $XXXXXX D A |
| OBX2023J10084 |  | XXXXX | $XXXXXX D C A B |
| OBX2023J10304 |  | XXXXX | $XXXXXX D A |
| OBX2023J10335 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10374 |  | XXXXX | $XXXXXX D A |
| OBX2023J10122 |  | XXXXX | $XXXXXX D A |
| OBX2023J10202 |  | XXXXX | $XXXXXX D A |
| OBX2023J10197 |  | XXXXX | $XXXXXX D A B |
| OBX2023J10208 |  | XXXXX | $XXXXXX D A |
| OBX2023J10363 |  | XXXXX | $XXXXXX D C A |
| OBX2023J10375 |  | XXXXX | $XXXXXX D A |
| OBX2023J10088 |  | XXXXX | $XXXXXX A D C |
| OBX2023J10002 |  | XXXXX | $XXXXXX D A |

---

## Exhibit 99.18

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| OBX2023J10021 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65.29% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| OBX2023J10008 |  | XXXXX | $XXXXXX | $XXX | $XXX | 53.48% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| OBX2023J10017 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 5.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| OBX2023J10014 |  | XXXXX | $XXXXXX | $XXX | $XXX | 43.58% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10023 |  | XXXXX | $XXXXXX | $XXX | $XXX | 59.35% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| OBX2023J10024 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10026 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65.27% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10027 |  | XXXXX | $XXXXXX | $XXX | $XXX | 44.64% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10029 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.25% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10028 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10083 |  | XXXXX | $XXXXXX | $XXX | $XXX | 71.43% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10109 |  | XXXXX | $XXXXXX | $XXX | $XXX | 62.89% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10084 |  | XXXXX | $XXXXXX | $XXX | $XXX | 46.43% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10105 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10098 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.18% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10177 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 0.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10124 |  | XXXXX | $XXXXXX | $XXX | $XXX | 56.72% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -10.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -4.48% |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10168 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10118 |  | XXXXX | $XXXXXX | $XXX | $XXX | 62.4% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10153 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.81% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10161 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10154 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -26.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXX | -1.24% |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10106 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10181 |  | XXXXX | $XXXXXX | $XXX | $XXX | 76% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10150 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10169 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10120 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10190 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.58% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10152 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.09% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10158 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10178 |  | XXXXX | $XXXXXX | $XXX | $XXX | 77.01% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10164 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10171 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10185 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10194 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.26% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10195 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60.49% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10155 |  | XXXXX | $XXXXXX | $XXX | $XXX | 61.67% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| OBX2023J10179 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10192 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10182 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10198 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10122 |  | XXXXX | $XXXXXX | $XXX | $XXX | 58.51% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10183 |  | XXXXX | $XXXXXX | $XXX | $XXX | 51.11% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -1.11% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10187 |  | XXXXX | $XXXXXX | $XXX | $XXX | 53.73% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | Not Eligible |
| OBX2023J10208 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10159 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10173 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10220 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10203 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10151 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10174 |  | XXXXX | $XXXXXX | $XXX | $XXX | 45.45% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10172 |  | XXXXX | $XXXXXX | $XXX | $XXX | 61.54% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10224 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.87% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| OBX2023J10202 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10243 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10186 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10207 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10238 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10148 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10102 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.63% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10188 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10226 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10225 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10257 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10248 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10278 |  | XXXXX | $XXXXXX | $XXX | $XXX | 44.67% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| OBX2023J10241 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.5% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10242 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10268 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| OBX2023J10258 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10235 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10246 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10272 |  | XXXXX | $XXXXXX | $XXX | $XXX | 62.78% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10275 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.73% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10215 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| OBX2023J10255 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10264 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| OBX2023J10282 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -24.9% |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 0.4% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10261 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -14.29% |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10265 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10271 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10281 |  | XXXXX | $XXXXXX | $XXX | $XXX | 58% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10245 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.87% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Eligible |
| OBX2023J10267 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.97% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10274 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10259 |  | XXXXX | $XXXXXX | $XXX | $XXX | 61.83% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10197 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10234 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -7.64% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10247 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10254 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10299 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10269 |  | XXXXX | $XXXXXX | $XXX | $XXX | 60% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10308 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10304 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10266 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10276 |  | XXXXX | $XXXXXX | $XXX | $XXX | 76.68% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10277 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.77% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 0.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10251 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10286 |  | XXXXX | $XXXXXX | $XXX | $XXX | 74.14% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10315 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.28% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10288 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| OBX2023J10295 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10263 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10321 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10326 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.99% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10324 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| OBX2023J10293 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10298 |  | XXXXX | $XXXXXX | $XXX | $XXX | 53.8% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10284 |  | XXXXX | $XXXXXX | $XXX | $XXX | 48.15% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -6.25% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| OBX2023J10331 |  | XXXXX | $XXXXXX | $XXX | $XXX | 72.95% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| OBX2023J10303 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.89% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| OBX2023J10313 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -1.35% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10292 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.9% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -8.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10296 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10335 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| OBX2023J10314 |  | XXXXX | $XXXXXX | $XXX | $XXX | 71.99% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10347 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50.7% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10320 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| OBX2023J10322 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.82% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10302 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10346 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.12% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| OBX2023J10336 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| OBX2023J10287 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | Form 1073 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| OBX2023J10273 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.33% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10319 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10318 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -14.71% |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10340 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10312 |  | XXXXX | $XXXXXX | $XXX | $XXX | 76.92% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10270 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10289 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10334 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10338 |  | XXXXX | $XXXXXX | $XXX | $XXX | 61.75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10355 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| OBX2023J10357 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10349 |  | XXXXX | $XXXXXX | $XXX | $XXX | 70% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| OBX2023J10359 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10353 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |
| OBX2023J10348 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10316 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| OBX2023J10350 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -7.6% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| OBX2023J10367 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.34% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10370 |  | XXXXX | $XXXXXX | $XXX | $XXX | 64.99% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| OBX2023J10354 |  | XXXXX | $XXXXXX | $XXX | $XXX | 65.25% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10351 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| OBX2023J10368 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10372 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.69% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10365 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.53% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10356 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10374 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| OBX2023J10362 |  | XXXXX | $XXXXXX | $XXX | $XXX | 50.42% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| OBX2023J10358 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Eligible |
| OBX2023J10366 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10363 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10369 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| OBX2023J10375 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10330 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -23.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -3.57% |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| OBX2023J10125 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| OBX2023J10126 |  | XXXXX | $XXXXXX | $XXX | $XXX | 53.23% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| OBX2023J10127 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 86 | 8.81% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| OBX2023J10128 |  | XXXXX | $XXXXXX | $XXX | $XXX | 52.07% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 85 | -23.96% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10129 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 83 | 1.83% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| OBX2023J10130 |  | XXXXX | $XXXXXX | $XXX | $XXX | 55.34% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 86 | 12.38% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | Not Eligible |
| OBX2023J10131 |  | XXXXX | $XXXXXX | $XXX | $XXX | 77.69% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 73 | 27.01% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| OBX2023J10132 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 92 | 3.23% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10133 |  | XXXXX | $XXXXXX | $XXX | $XXX | 54.78% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 88 | 25.63% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| OBX2023J10134 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.64% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 84 | -2.52% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10135 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75.9% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 82 | 6.7% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| OBX2023J10136 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.83% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 81 | 21.16% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| OBX2023J10137 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 88 | 5.9% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10138 |  | XXXXX | $XXXXXX | $XXX | $XXX | 79.64% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 91 | 3.73% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| OBX2023J10139 |  | XXXXX | $XXXXXX | $XXX | $XXX | 78.85% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 90 | 3.21% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| OBX2023J10140 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.89% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 88 | 4.31% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Eligible |
| OBX2023J10141 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.31% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 87 | 4.87% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10142 |  | XXXXX | $XXXXXX | $XXX | $XXX | 53.08% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 89 | 20.12% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10143 |  | XXXXX | $XXXXXX | $XXX | $XXX | 67.26% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 87 | 2.83% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| OBX2023J10144 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.74% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 80 | 16.69% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10145 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 89 | -14.28% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | Not Eligible |
| OBX2023J10146 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.39% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 84 | 2.22% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| OBX2023J10088 |  | XXXXX | $XXXXXX | $XXX | $XXX | 49.06% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| OBX2023J10093 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| OBX2023J10094 |  | XXXXX | $XXXXXX | $XXX | $XXX | 63.62% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| OBX2023J10085 |  | XXXXX | $XXXXXX | $XXX | $XXX | 73.51% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| OBX2023J10090 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | Not Eligible |
| OBX2023J10087 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $XXXX | -1.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| OBX2023J10086 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | $XXX | $XXXX | 77 | 2.62% | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Eligible |
| OBX2023J10091 |  | XXXXX | $XXXXXX | $XXX | $XXX | 69.21% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | $XXX | $XXXX | 88 | -7.23% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Eligible |
| OBX2023J10092 |  | XXXXX | $XXXXXX | $XXX | $XXX | 80% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| OBX2023J10089 |  | XXXXX | $XXXXXX | $XXX | $XXX | 68.56% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | Not Eligible |
| OBX2023J10002 |  | XXXXX | $XXXXXX | $XXX | $XXX | 75% | XX/XX/XXXX | $XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX | $0.00 | 0% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2.2 | Eligible |

---

## Exhibit 99.19

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Loan Level ATR/QM Status** | **Application Date prior to 1/10/2014** | **Lender Application Date** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Residual Income Analysis in File** | **Residual Income** | **Loan Status** |
| OBX2023J10021 |  | XXXXX | QM: GSE Temporary - QM/SH | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10154 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10026 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10027 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10028 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10105 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10150 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10118 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10168 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10177 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10152 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10182 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10190 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10181 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10155 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10158 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10164 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10169 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10172 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10179 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10187 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10185 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10186 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10207 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10224 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10109 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10124 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10153 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10171 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10178 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10238 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10024 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10008 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10014 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10098 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10023 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10198 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10106 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10120 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10203 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10194 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10183 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10159 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10173 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10161 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10192 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10220 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10174 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10017 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10083 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10029 |  | XXXXX | QM: Safe Harbor | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10151 |  | XXXXX | QM: Safe Harbor | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10195 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10243 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10084 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10122 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10202 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10208 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10148 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10336 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10334 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10326 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10349 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10370 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10304 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10335 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10374 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10248 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10321 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10320 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10338 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10102 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10255 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10265 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10270 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10322 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10362 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10266 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10272 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10289 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10296 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10308 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10197 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10363 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10375 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10365 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10366 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10358 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10356 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10368 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10372 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10353 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10350 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10367 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10351 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10348 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10354 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10359 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10355 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10346 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10357 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10331 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10340 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10318 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10319 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10313 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10312 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10303 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10302 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10314 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10295 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10293 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10288 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10298 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10286 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10287 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10281 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10299 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10273 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10276 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10267 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10282 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10277 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10271 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10263 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10261 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10264 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10292 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10268 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10246 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10251 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10315 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10241 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10242 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10258 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10245 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10225 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10257 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10254 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10278 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10247 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10259 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10275 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10347 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10226 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10188 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10215 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10234 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10235 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10269 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10274 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10284 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10324 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10316 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10369 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10330 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10125 |  | XXXXX | QM: Safe Harbor | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10126 |  | XXXXX | QM: Safe Harbor | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10127 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10128 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10129 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10130 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10131 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10132 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10133 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10134 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10135 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10136 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10137 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10138 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10139 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10140 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10141 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10142 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10143 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10144 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10145 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10146 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10094 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10093 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10091 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10085 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10090 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10089 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10092 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10087 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |
| OBX2023J10086 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10088 |  | XXXXX | Safe Harbor QM (APOR) | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Cleared |
| OBX2023J10002 |  | XXXXX | QM: Safe Harbor | No | XX/XX/XXXX | $XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Acknowledged |

---

## Exhibit 99.20

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Number of Borrowers** | **AUS Indicator** | **AUS Type** | **GSE Eligible** | **HOA Flag** | **HOA Monthly Fee** | **US Citizen Borrower 1** | **Permanent Resident Alien Borrower 1** | **Foreign National Borrower 1** | **US Citizen Borrower 2** | **Permanent Resident Alien Borrower 2** | **Foreign National Borrower 2** | **US Citizen Borrower 3** | **Permanent Resident Alien Borrower 3** | **Foreign National Borrower 3** | **US Citizen Borrower 4** | **Permanent Resident Alien Borrower 4** | **Foreign National Borrower 4** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 3 Employment Indicator** | **Borrower 4 Employment Indicator** | **Borrower 1 Retired** | **Borrower 2 Retired** | **Borrower 3 Retired** | **Borrower 4 Retired** | **QM Status** | **CU Score** | **AVM Confidence Score** | **Post Disaster Inspection** | **UNISON/Shared Mortgage** | **Multi-Collateral Loan** | **HomePossible/HomeReady Loans** | **DU Refi Plus Loans** | **Business or Personal Use Flag** | **PIW Flag** |
| OBX2023J10021 | 1 | Yes | DU | Yes | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | QM: GSE Temporary - QM/SH | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10154 | 2 | Yes | DU | Yes | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10026 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10027 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10028 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10105 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10150 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10118 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10168 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10177 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10152 | 1 | Yes | DU | No | No |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10182 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10190 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10181 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10155 | 2 | Yes | DU | Yes | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10158 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10164 | 2 | Yes | DU | Yes | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10169 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10172 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10179 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10187 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 0 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10185 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10186 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10207 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10224 | 2 | Yes | DU | Yes | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10109 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10124 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10153 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10171 | 2 | Yes | DU | No | Yes | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10178 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10238 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10024 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10008 | 1 | No |  | Np | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 3.1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10014 | 1 | No |  | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10098 | 1 | Yes | LP | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10023 | 2 | Yes | LP | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10198 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10106 | 2 | Yes | LP | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10120 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10203 | 2 | Yes | LP | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10194 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10183 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10159 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10173 | 1 | Yes | LP | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10161 | 2 | Yes | LP | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10192 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10220 | 1 | Yes | DU | Yes | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10174 | 2 | No | DU | Yes | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10017 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 4.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10083 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10029 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | QM: Safe Harbor |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10151 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | QM: Safe Harbor | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10195 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10243 | 1 | Yes | DU | No | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10084 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10122 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10202 | 1 | Yes | LP | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10208 | 1 | Yes | DU | Yes | Yes | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10148 | 1 | Yes | LP | Yes | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10336 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.3 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10338 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10254 | 1 | Yes | DU | Yes | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.6 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10278 | 1 | Yes | DU | Yes | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10247 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10259 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10275 | 1 | Yes | DU | Yes | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10347 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10225 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10245 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10258 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10242 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10241 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10315 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10251 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10246 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10264 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10261 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10263 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10271 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10277 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10282 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10267 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10273 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10299 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10287 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10286 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10298 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10288 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10293 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10295 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10314 | 4 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10312 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10313 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10318 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10340 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10331 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10346 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10355 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10359 | 2 | Yes | DU | Yes | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10354 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10348 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10367 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10350 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 4.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10353 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 4.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10372 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10368 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10356 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10358 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10226 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10257 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10268 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10292 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10276 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10281 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10302 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10303 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10319 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10357 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10351 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10366 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10365 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10316 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10248 | 2 | Yes | LP | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10321 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10188 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10215 | 1 | Yes | LP | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10234 | 1 | Yes | LP | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10235 | 3 | Yes | LP | No | No |  | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10269 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10274 | 1 | Yes | LP | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10284 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10324 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10334 | 1 | Yes | LP | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10326 | 2 | Yes | LP | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10349 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10370 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10369 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10102 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10255 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10265 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10270 | 2 | Yes | DU | Yes | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10322 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10362 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10320 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10308 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10266 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10272 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10289 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10296 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10304 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10335 | 3 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | XXX | XXX | XXX |  | Safe Harbor QM (APOR) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10374 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10197 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10363 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10375 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10330 | 1 | Yes | LP | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10125 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | QM:Safe Harbor | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10126 | 1 | Yes | DU | Yes | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | QM:Safe Harbor | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10127 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.9 | 86 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10128 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.6 | 85 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10129 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 3.3 | 83 | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10130 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 3.6 | 86 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10131 | 1 | Yes | DU | No | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2.1 | 73 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10132 | 2 | Yes | DU | Yes | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 | 92 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10133 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.6 | 88 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10134 | 1 | Yes | DU | Yes | Yes | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 | 84 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10135 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.7 | 82 | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10136 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 2.8 | 81 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10137 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.6 | 88 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10138 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2.1 | 91 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10139 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 5 | 90 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10140 | 2 | Yes | DU | Yes | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.7 | 88 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10141 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1 | 87 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10142 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 | 89 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10143 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.3 | 87 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10144 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 | 80 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10145 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 4 | 89 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10146 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 5 | 84 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10094 | 1 | Yes | LP | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10093 | 2 | Yes | DU | Yes | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10091 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10085 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10090 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 4.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10089 | 2 | Yes | DU | No | No |  | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10092 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10087 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10086 | 2 | Yes | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | Safe Harbor QM (APOR) | 1.6 | 77 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10088 | 1 | Yes | DU | No | No |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  | Safe Harbor QM (APOR) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2023J10002 | 2 | No | DU | No | Yes | XXX | XXX |  |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  | QM:Safe Harbor | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |

---

## Exhibit 99.21

**Exhibit 99.21**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** | **Match** |
| OBX2023J10028 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10028 | Occupancy | Owner occupied | Second Home | FALSE |
| OBX2023J10338 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10150 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10150 | Property_Zip | XXX | XXX | FALSE |
| OBX2023J10118 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10182 | Escrow_Indicator | Taxes and Insurance | Taxes | FALSE |
| OBX2023J10190 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10181 | Property_City | XXX | XXX | FALSE |
| OBX2023J10158 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10254 | Borrower_Last_Name | XXX | XXX | FALSE |
| OBX2023J10347 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10245 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10241 | Borrower_First_Name | XXX | XXX | FALSE |
| OBX2023J10241 | Borrower_Last_Name | XXX | XXX | FALSE |
| OBX2023J10315 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10251 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10261 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10263 | Borrower_First_Name | XXX | XXX | FALSE |
| OBX2023J10267 | Escrow_Indicator | Taxes and Insurance | Insurance | FALSE |
| OBX2023J10273 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10286 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10295 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10331 | Borrower_First_Name | XXX | XXX | FALSE |
| OBX2023J10331 | Borrower_Last_Name | XXX | XXX | FALSE |
| OBX2023J10355 | Occupancy | Owner occupied | Second Home | FALSE |
| OBX2023J10359 | Borrower_First_Name | XXX | XXX | FALSE |
| OBX2023J10359 | Borrower_Last_Name | XXX | XXX | FALSE |
| OBX2023J10359 | Escrow_Indicator | No Escrows | Taxes | FALSE |
| OBX2023J10350 | Borrower_First_Name | XXX | XXX | FALSE |
| OBX2023J10350 | Borrower_Last_Name | XXX | XXX | FALSE |
| OBX2023J10353 | Escrow_Indicator | Taxes and Insurance | Taxes | FALSE |
| OBX2023J10124 | Occupancy | Second Home | Owner occupied | FALSE |
| OBX2023J10171 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10226 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10226 | Property_City | XXX | XXX | FALSE |
| OBX2023J10257 | Property_Zip | XXX | XXX | FALSE |
| OBX2023J10268 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10276 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10319 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10319 | Property_Zip | XXX | XXX | FALSE |
| OBX2023J10357 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10126 | Closing_Date | XXX | XXX | FALSE |
| OBX2023J10127 | Closing_Date | XXX | XXX | FALSE |
| OBX2023J10128 | Closing_Date | XXX | XXX | FALSE |
| OBX2023J10128 | Loan_Purpose | R/T Refi | Limited Cash Out (GSE Definition) | FALSE |
| OBX2023J10130 | Channel | Retail | Correspondent Bulk | FALSE |
| OBX2023J10130 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10132 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10133 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10134 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10134 | Loan_Purpose | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10135 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10136 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10137 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10139 | Closing_Date |  | XX/XX/XXXX | FALSE |
| OBX2023J10139 | UW_FICO_Utilized | XXX | XXX | FALSE |
| OBX2023J10140 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10141 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10142 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10142 | UW_FICO_Utilized | XXX | XXX | FALSE |
| OBX2023J10143 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10144 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10145 | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2023J10248 | Escrow_Indicator | No Escrows | Taxes and Insurance | FALSE |
| OBX2023J10008 | Escrow_Indicator | No Escrows | Taxes and Insurance | FALSE |
| OBX2023J10192 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10284 | Occupancy | Investment Property | Owner occupied | FALSE |
| OBX2023J10326 | Escrow_Indicator | No Escrows | Insurance | FALSE |
| OBX2023J10369 | Escrow_Indicator | No Escrows | Insurance | FALSE |
| OBX2023J10265 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10270 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10362 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10146 | Channel | Wholesale | Broker | FALSE |
| OBX2023J10266 | Escrow_Indicator | Taxes and Insurance | Insurance | FALSE |
| OBX2023J10197 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10208 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |
| OBX2023J10375 | Escrow_Indicator | No Escrows | Taxes and Insurance | FALSE |

---

## Exhibit 99.22

**Exhibit 99.22**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **SMSID** | **Loan Number** | **Pay History in File** | **Pay History End Date** | **Pay History Start Date** | **Calculated Pay String** | **Tape Pay String** | **Match** | **Current Months Delinquent** | **Due Date as of PHST Cut Off** | **Current PITI** | **Current Principal Balance** | **Comments** |
| OBX2023J10002 | XXX | XXX | Yes | 12/31/2022 | 8/1/2021 | XXXXXXX00100100000000000 | XXXXXXX00100100000000000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10006 | XXX | XXX | Yes | 12/31/2022 | 11/1/2021 | XXXXXXXXXX00000000000000 | XXXXXXXXXX00000000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10003 | XXX | XXX | Yes | 12/31/2022 | 11/1/2021 | XXXXXXXXXX00000000000000 | XXXXXXXXXX00000000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10008 | XXX | XXX | Yes | 12/31/2022 | 12/1/2021 | XXXXXXXXXXX0100000000000 | XXXXXXXXXXX0100000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10014 | XXX | XXX | Yes | 12/31/2022 | 12/8/2021 | XXXXXXXXXXX0100000000000 | XXXXXXXXXXX0100000000000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10005 | XXX | XXX | Yes | 12/31/2022 | 12/1/2021 | XXXXXXXXXXX0000000000000 | XXXXXXXXXXX0000000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10007 | XXX | XXX | Yes | 12/31/2022 | 12/1/2021 | XXXXXXXXXXX0000000000000 | XXXXXXXXXXX0000000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10010 | XXX | XXX | Yes | 12/31/2022 | 12/1/2021 | XXXXXXXXXXX0000000000000 | XXXXXXXXXXX0000000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10004 | XXX | XXX | Yes | 12/31/2022 | 1/5/2022 | XXXXXXXXXXX1000000000011 | XXXXXXXXXXX1000000000011 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX | Dec 2022 paid beginning of Jan 2023 |
| OBX2023J10022 | XXX | XXX | Yes | 12/31/2022 | 1/1/2022 | XXXXXXXXXXXX000000000000 | XXXXXXXXXXXX000000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10033 | XXX | XXX | Yes | 12/31/2022 | 2/1/2022 | XXXXXXXXXXXXX00000000000 | XXXXXXXXXXXXX00000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10017 | XXX | XXX | Yes | 12/31/2022 | 1/1/2022 | XXXXXXXXXXXX010000000000 | XXXXXXXXXXXX010000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10031 | XXX | XXX | Yes | 12/31/2022 | 2/1/2022 | XXXXXXXXXXXXX00000000000 | XXXXXXXXXXXXX00000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10032 | XXX | XXX | Yes | 12/31/2022 | 2/1/2022 | XXXXXXXXXXXXX00000000000 | XXXXXXXXXXXXX00000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10038 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10023 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10024 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000100000 | XXXXXXXXXXXXXX0000100000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10009 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10013 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10020 | XXX | XXX | Yes | 12/31/2022 | 4/5/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10021 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000000010 | XXXXXXXXXXXXXX0000000010 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10080 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10001 | XXX | XXX | Yes | 12/31/2022 | 3/4/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10030 | XXX | XXX | Yes | 12/31/2022 | 3/1/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10012 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10018 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10034 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10035 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10079 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10082 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10027 | XXX | XXX | Yes | 12/31/2022 | 4/4/2022 | XXXXXXXXXXXXXX0000000000 | XXXXXXXXXXXXXX0000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10026 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10028 | XXX | XXX | Yes | 12/31/2022 | 4/1/2022 | XXXXXXXXXXXXXXX000000000 | XXXXXXXXXXXXXXX000000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10085 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10086 | XXX | XXX | Yes | 12/31/2022 | 6/1/2022 | XXXXXXXXXXXXXXXXX0000000 | XXXXXXXXXXXXXXXXX0000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10087 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10088 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10089 | XXX | XXX | Yes | 12/31/2022 | 6/1/2022 | XXXXXXXXXXXXXXXXX0000000 | XXXXXXXXXXXXXXXXX0000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10090 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10091 | XXX | XXX | Yes | 12/31/2022 | 5/2/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10092 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10093 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10094 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10036 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10019 | XXX | XXX | Yes | 12/31/2022 | 5/3/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10037 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX00000000 | XXXXXXXXXXXXXXXX00000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10083 | XXX | XXX | Yes | 12/31/2022 | 5/1/2022 | XXXXXXXXXXXXXXXX01000000 | XXXXXXXXXXXXXXXX01000000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10097 | XXX | XXX | Yes | 12/31/2022 | 6/1/2022 | XXXXXXXXXXXXXXXXX0000000 | XXXXXXXXXXXXXXXXX0000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10156 | XXX | XXX | Yes | 12/31/2022 | 5/31/2022 | XXXXXXXXXXXXXXXXX0000000 | XXXXXXXXXXXXXXXXX0000000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10104 | XXX | XXX | Yes | 12/31/2022 | 6/10/2022 | XXXXXXXXXXXXXXXXX0000000 | XXXXXXXXXXXXXXXXX0000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10081 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10084 | XXX | XXX | Yes | 12/31/2022 | 6/5/2022 | XXXXXXXXXXXXXXXX11000000 | XXXXXXXXXXXXXXXX11000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10103 | XXX | XXX | Yes | 12/31/2022 | 10/1/2021 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10112 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10160 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10184 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10105 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10125 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10126 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10127 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10128 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10129 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10130 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10131 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10132 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10133 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10134 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10135 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10136 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10137 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10138 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10139 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10140 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10141 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10142 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10143 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10144 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10145 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10146 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10294 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10029 | XXX | XXX | Yes | 12/31/2022 | 6/1/2022 | XXXXXXXXXXXXXXXXX0000000 | XXXXXXXXXXXXXXXXX0000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10168 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10177 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10098 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10204 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10109 | XXX | XXX | Yes | 12/31/2022 | 7/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10167 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10114 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10157 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10106 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10120 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10161 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10194 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10191 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXX000000 | XXXXXXXXXXXXXXXXXX000000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10175 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10117 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10107 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX10000 | XXXXXXXXXXXXXXXXXXX10000 | TRUE | 0 | 5/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10121 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10099 | XXX | XXX | Yes | 12/31/2022 | 9/9/2022 | XXXXXXXXXXXXXXXXXXX10000 | XXXXXXXXXXXXXXXXXXX10000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10147 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10119 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10163 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10201 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10113 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX01000 | XXXXXXXXXXXXXXXXXXX01000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10118 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10124 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10150 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10153 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10164 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10169 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10171 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10178 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10181 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10190 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10155 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10179 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10182 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10185 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0001 | XXXXXXXXXXXXXXXXXXXX0001 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX | Dec 2022 paid beginning of Jan 2023 |
| OBX2023J10183 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10192 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10122 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10195 | XXX | XXX | Yes | 12/31/2022 | 8/1/2022 | XXXXXXXXXXXXXXXXXXX00000 | XXXXXXXXXXXXXXXXXXX00000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10252 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10210 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10172 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 4/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10187 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10224 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10250 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10232 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10180 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10219 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10217 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10262 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10240 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10236 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10176 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10193 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10196 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10110 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10170 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10212 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10162 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10166 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10199 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10200 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10205 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10206 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10211 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10216 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10165 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10221 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10237 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10283 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10159 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10173 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10203 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10220 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10202 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10208 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10218 | XXX | XXX | Yes | 12/31/2022 | 12/1/2022 | XXXXXXXXXXXXXXXXXXXXXXX0 | XXXXXXXXXXXXXXXXXXXXXXX0 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10244 | XXX | XXX | Yes | 12/31/2022 | 12/1/2022 | XXXXXXXXXXXXXXXXXXXXXXX0 | XXXXXXXXXXXXXXXXXXXXXXX0 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10256 | XXX | XXX | Yes | 12/31/2022 | 12/1/2022 | XXXXXXXXXXXXXXXXXXXXXXX0 | XXXXXXXXXXXXXXXXXXXXXXX0 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10238 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10102 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10209 | XXX | XXX | Yes | 12/31/2022 | 9/14/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10222 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10233 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10248 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10189 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 5/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10260 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10186 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10207 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10225 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10226 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10241 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10242 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10246 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10257 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10258 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10227 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10239 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10108 | XXX | XXX | Yes | 12/31/2022 | 1/5/2023 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 1/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10213 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10231 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10123 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10154 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10243 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10174 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10188 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10198 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10235 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10255 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10272 | XXX | XXX | Yes | 12/31/2022 | 9/1/2022 | XXXXXXXXXXXXXXXXXXXX0000 | XXXXXXXXXXXXXXXXXXXX0000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10228 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10253 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10297 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10305 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10214 | XXX | XXX | Yes | 12/31/2022 | 10/1/2022 | XXXXXXXXXXXXXXXXXXXXX000 | XXXXXXXXXXXXXXXXXXXXX000 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10215 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10264 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10275 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10278 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10152 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10158 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10259 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10267 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10282 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 3/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10245 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10268 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10332 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10291 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10149 | XXX | XXX | Yes | 12/31/2022 | 12/1/2022 | XXXXXXXXXXXXXXXXXXXXXXX0 | XXXXXXXXXXXXXXXXXXXXXXX0 | TRUE | 0 | 4/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10309 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10347 | XXX | XXX | Yes | 12/31/2022 | 12/1/2022 | XXXXXXXXXXXXXXXXXXXXXXX0 | XXXXXXXXXXXXXXXXXXXXXXX0 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10330 | XXX | XXX | Yes | 12/31/2022 | 11/1/2022 | XXXXXXXXXXXXXXXXXXXXXX00 | XXXXXXXXXXXXXXXXXXXXXX00 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10151 | XXX | XXX | Yes | 12/31/2022 | 11/2/2022 | XXXXXXXXXXXXXXXXXXXXX100 | XXXXXXXXXXXXXXXXXXXXX100 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10115 | XXX | XXX | Yes | 12/31/2022 | 12/1/2022 | XXXXXXXXXXXXXXXXXXXXXXX0 | XXXXXXXXXXXXXXXXXXXXXXX0 | TRUE | 0 | 2/1/2023 | $XXXX | $XXXX |  |
| OBX2023J10148 | XXX | XXX | Yes | 12/31/2022 | 9/5/2022 | XXXXXXXXXXXXXXXXXXX10101 | XXXXXXXXXXXXXXXXXX100001 | FALSE | 0 | 1/1/2023 | $XXXX | $XXXX | Dec 2022 paid beginning of Jan 2023 |

---

## Exhibit 99.23

**Exhibit 99.23**

![](ex99-23_001.jpg)

KPMG LLP

345 Park Avenue

New York, NY 10154-0102

**Independent Accountants' Report on Applying Agreed-Upon Procedures**

Onslow Bay Financial LLC (the "Company") <br> BofA Securities, Inc. (the "Initial Purchaser") <br> (together, the "Specified Parties")

Re: OBX 2023-J1 Trust – Data File Procedures

We have performed the procedures described below on the specified attributes in an electronic data file entitled "OBX 2023-J1 Final ASF Tape_2023.01.30_V3.xlsx" provided by the Company on February 1, 2023, containing information on 317 mortgage loans (the "Loans") as of February 1, 2023 (the "Data File")*,* which we were informed are intended to be included as collateral in the offering by OBX 2023-J1 Trust. The Company is responsible for the specified attributes identified by the Company in the Data File.

The Specified Parties have agreed to and acknowledged that the procedures performed are appropriate to meet their intended purpose of assisting specified parties in evaluating the accuracy of the specified attributes in the Data File. This report may not be suitable for any other purpose. No other parties have agreed to or acknowledged the appropriateness of these procedures for the intended purpose or any other purpose.

The procedures performed may not address all the items of interest to a specified party of this report and may not meet the needs of all specified parties of this report and, as such, specified parties are responsible for determining whether the procedures performed are appropriate for their purposes. We make no representation regarding the appropriateness of the procedures either for the intended purpose or for any other purpose.

Unless otherwise stated, the following definitions have been adopted in presenting our procedures and findings:

· The term "compared" means compared to the
information shown and found it to be in agreement, unless otherwise stated. Such compared information was deemed to be in agreement if
differences were within the reporting threshold.

· The term "recomputed" means recalculated
and compared the result to the information shown and found it to be in agreement, unless otherwise stated. Such recomputed information
was deemed to be in agreement if differences were within the reporting threshold.

· The term "reporting threshold" means
that dollar amounts and percentages were within $1.00 and 0.1%, respectively.

· The term "Loan File" means the following
information sources provided by the Company or Initial Purchaser on behalf of the Company for each Selected Loan (defined below): Promissory
Note, Uniform Residential Loan Application (URLA), Final Closing Disclosure, Occupancy Statement, Appraisal Report, Purchase Agreement,
Addendum to Purchase Agreement, Uniform Underwriting and Transmittal Summary, and Title Report. We make no representation regarding the
validity or accuracy of these documents or the execution of the applicable documents by the borrower.

· The term "Instructions" means the instructions
provided by the Company pertaining to a procedure, attribute, or methodology, as described in the table below.

· The term "Provided Information" means the Loan File and Instructions.

Prior to being provided the Data File, we received one or more earlier versions of the data file on which to perform our procedures. In performing those procedures, we identified differences which were communicated to the Specified Parties. The Data File represents the revised information reflecting resolution of differences communicated as determined appropriate by the Specified Parties. We performed the procedures on the Data File, and the results of those procedures are reflected herein.

The procedures we were instructed by the Company to perform and the associated findings are as follows:

A. We randomly selected a sample of 33 Loans from the
Data File (the "Selected Loans"). A listing of the Selected Loans is attached hereto as Exhibit A. For purposes of this procedure,
the Company did not inform us of the basis they used to determine the number of Loans we were instructed to randomly select from the Data
File.

B. For each Selected Loan, we compared or recomputed
the specified attributes listed below to or using the corresponding information included in the Loan File, utilizing the Instructions,
as applicable. The Specified Parties indicated that the absence of any of the information in the Loan File or the inability to agree the
indicated information from the Data File to the Loan File for each of the attributes identified, utilizing the Instructions as applicable,
constituted an exception. The Loan File information is listed in the order of priority.

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| | |
|:---|:---|
| &nbsp;&nbsp;**Attribute** | &nbsp;&nbsp;**Loan File / Instructions** |
| &nbsp;&nbsp;Seller Loan Number | &nbsp;&nbsp;Provided by the Company |
| &nbsp;&nbsp;Original Term to Maturity | &nbsp;&nbsp;URLA |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;URLA, Promissory Note |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;Current Payment Amount Due | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;First Payment Date of Loan | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;State | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;Postal Code | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;Promissory Note |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;URLA, Occupancy Statement |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp; Appraisal Report<br> Consider property types of "dPUD (PUD with "de minimus" monthly HOA dues" and "PUD (Only for use with Single-Family Detached Homes with PUD riders)" to be "PUD." |
| &nbsp;&nbsp;Original Appraised Property Value | &nbsp;&nbsp; Appraisal Report<br>|
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;Final Closing Disclosure, Appraisal Report, Uniform Underwriting and Transmittal Summary, Purchase Agreement, Addendum to Purchase Agreement |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp; URLA, Final Closing Disclosure, Uniform Underwriting and Transmittal Summary. Do not perform any procedure on the portion of the attribute related to the Loan Purpose initiation, purpose of cash out or if the loan is for a first-time home purchase. |
| &nbsp;&nbsp;Junior Mortgage Balance | &nbsp;&nbsp;Uniform Underwriting and Transmittal Summary, Title Report |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp; Recompute by dividing (i) Original Loan Amount, by (ii) the Sales Price if purchase or the Original Appraised Property Value if not a purchase |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp; Recompute by dividing (i) the sum of (a) Original Loan Amount and (b) Junior Lien Balance (if applicable), by<br> (ii) the Sales Price if purchase or the Original Appraised Property Value if not a purchase |

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C. For each Selected Loan, we recomputed the Maturity
Date using the First Payment Date of the Loan and the Original Term to Maturity included in the Data File. We compared the results of
our recomputation to the corresponding month and year in the Promissory Note.

We were engaged by the Company to perform this agreed-upon procedures engagement and conducted our engagement in accordance with attestation standards established by the American Institute of Certified Public Accountants, which involves us performing the specific procedures agreed to and acknowledged above and reporting on findings based on performing those procedures. We were not engaged to, and did not, conduct an examination or review, the objective of which would be the expression of an opinion or conclusion, respectively, on the specified attributes in the Data File. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported.

We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our agreed-upon procedures engagement.

The procedures performed were applied based on the information included in the Data File and Provided Information, without verification or evaluation of such information by us; therefore, we express no opinion or any other form of assurance regarding (i) the reasonableness of the information provided to us by the Company, (ii) the physical existence of the Loans, (iii) the reliability or accuracy of the Provided Information which was used in our procedures, or (iv) matters of legal interpretation.

The procedures performed were not intended to address, nor did they address: (i) the conformity of the origination of the Loans to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such Loans being securitized, (iii) the compliance of the originator of the Loans with federal, state, and local laws and regulations, or (iv) any other factor or characteristic of the Loans that would be material to the likelihood that the issuer of the nature of issued securities will pay interest and principal in accordance with applicable terms and conditions. The procedures performed were not intended to satisfy any criteria for due diligence published by the nationally recognized statistical rating organizations ("NRSROs").

The terms of our engagement are such that we have no responsibility to update this report because of events and circumstances that may subsequently occur.

This report is intended solely for the information and use of the Specified Parties. It is not intended to be and should not be used by any other person or entity, including investors or the NRSROs, who are not identified in the report as the Specified Parties but may have access to this report as required by law or regulation.

/s/KPMG LLP

New York, New York

February 3, 2023

**Exhibit A**

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| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**The Selected <br> Loans (1)** |
| &nbsp;&nbsp;OBX2023J10021 |
| &nbsp;&nbsp;OBX2023J10126 |
| &nbsp;&nbsp;OBX2023J10207 |
| &nbsp;&nbsp;OBX2023J10104 |
| &nbsp;&nbsp;OBX2023J10114 |
| &nbsp;&nbsp;OBX2023J10278 |
| &nbsp;&nbsp;OBX2023J10375 |
| &nbsp;&nbsp;OBX2023J10368 |
| &nbsp;&nbsp;OBX2023J10213 |
| &nbsp;&nbsp;OBX2023J10141 |
| &nbsp;&nbsp;OBX2023J10333 |
| &nbsp;&nbsp;OBX2023J10149 |
| &nbsp;&nbsp;OBX2023J10158 |
| &nbsp;&nbsp;OBX2023J10329 |
| &nbsp;&nbsp;OBX2023J10297 |
| &nbsp;&nbsp;OBX2023J10315 |
| &nbsp;&nbsp;OBX2023J10273 |
| &nbsp;&nbsp;OBX2023J10204 |
| &nbsp;&nbsp;OBX2023J10376 |
| &nbsp;&nbsp;OBX2023J10317 |
| &nbsp;&nbsp;OBX2023J10364 |
| &nbsp;&nbsp;OBX2023J10083 |
| &nbsp;&nbsp;OBX2023J10089 |
| &nbsp;&nbsp;OBX2023J10263 |
| &nbsp;&nbsp;OBX2023J10348 |
| &nbsp;&nbsp;OBX2023J10245 |
| &nbsp;&nbsp;OBX2023J10169 |
| &nbsp;&nbsp;OBX2023J10013 |
| &nbsp;&nbsp;OBX2023J10037 |
| &nbsp;&nbsp;OBX2023J10369 |
| &nbsp;&nbsp;OBX2023J10161 |
| &nbsp;&nbsp;OBX2023J10350 |
| &nbsp;&nbsp;OBX2023J10357 |

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(1) The Company has assigned a unique
13-digit Loan Number to each Loan in the Data File. The Loan Numbers referred to in this Exhibit are not the Customer Account Numbers.