# EDGAR Filing Document

**Accession Number:** 0001658638
**File Stem:** 0001213900-25-090092
**Filing Date:** 2025-9
**Character Count:** 1090890
**Document Hash:** 35de1c0879fe3aa1e9025d768a8be4cb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-090092.hdr.sgml**: 20250922

**ACCESSION NUMBER**: 0001213900-25-090092

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

**PUBLIC DOCUMENT COUNT**: 25

**CONFORMED PERIOD OF REPORT**: 20250922

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

**FILED AS OF DATE**: 20250922

**DATE AS OF CHANGE**: 20250922

**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

**ORGANIZATION NAME:**
- **EIN:** 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:** 251330006

**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

**ORGANIZATION NAME:**
- **EIN:** 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

**ORGANIZATION NAME:**
- **EIN:** 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 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 2025-J3 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 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](ea025824301_ex99-01.htm)

99.02 [AMC Rating Agency Grades Report](ea025824301_ex99-02.htm)

99.03 [AMC Exception Grades Report](ea025824301_ex99-03.htm)

99.04 [AMC Valuation Summary Report](ea025824301_ex99-04.htm)

99.05 [AMC Supplemental Data Report](ea025824301_ex99-05.htm)

99.06 [AMC Data Compare Report](ea025824301_ex99-06.htm)

99.07 [Consolidated Analytics, Inc. ()"**CA**") Narrative](ea025824301_ex99-07.htm)

99.08 [CA Data Compare Report](ea025824301_ex99-08.htm)

99.09 [CA Due Diligence Standard Report](ea025824301_ex99-09.htm)

99.10 [CA Rating Agency Grading Summary Report](ea025824301_ex99-10.htm)

99.11 [CA Valuations Report](ea025824301_ex99-11.htm)

99.12 [CA Additional Fields Report](ea025824301_ex99-12.htm)

99.13 [CA ATR QM Report](ea025824301_ex99-13.htm)

99.14 [KPMG LLP Independent Accountants' Agreed-Upon Procedures Report](ea025824301_ex99-14.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: September 22, 2025 | /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 due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by multiple parties, were purchased by an affiliate of Bank of America, N.A., ("Client") in multiple bulk transactions and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The total population of the Review covered 24 mortgage loans totaling an aggregate original principal balance of approximately $26.835 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;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;State |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Property Type |  |

---

**(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 with 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.

**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.

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**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.

**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.

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**(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.

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.

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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> 

&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

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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;

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;

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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, |

---

---

| | |
|:---|:---|
| 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 |

---

---

| | |
|:---|:---|
| 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. |

---

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.

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\* 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.

 

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.

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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. SitusAMC also hereby disclaims any representation or warranty as to accuracy or completeness of the Report, the inclusion or omission of any facts or information, or as to its suitability, sufficiency or appropriateness for the purposes of the transaction parties or investors or the use of the Report in preparation of any other document in connection with the subject transaction.).

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.

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**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 24 mortgage loans reviewed by AMC have a Compliance grade of "B" or higher and 45.83% 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;11 | &nbsp;&nbsp;45.83% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;13 | &nbsp;&nbsp;54.17% |
| &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;**24** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All 24 mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 87.50% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &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;21 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% |
| &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;**24** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All 24 mortgage loans have a Property grade of "A".

---

| | | |
|:---|:---|:---|
| &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;24 | &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;**24** | &nbsp;&nbsp;**100.00%** |

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**OVERALL REVIEW RESULTS SUMMARY**

All 24 mortgage loans reviewed by AMC have an Overall grade of "B" or higher and 41.67% of the loans by number have an Overall 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;10 | &nbsp;&nbsp;41.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;14 | &nbsp;&nbsp;58.33% |
| &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;**24** | &nbsp;&nbsp;**100.00%** |

---

**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;ECOA | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***22*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**22** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**25** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 24 mortgage loans reviewed, 21 mortgage loans had 47 different tape discrepancies across 14 data fields (some mortgage loans had more than one data delta). The largest variances were found on Note Date and Investor: Qualifying Total Debt Ratio.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;10 | &nbsp;&nbsp;24 | &nbsp;&nbsp;41.67% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;12 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;12 | &nbsp;&nbsp;91.67% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;24 | &nbsp;&nbsp;20.83% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;24 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;24 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**47** | &nbsp;&nbsp;**573** | &nbsp;&nbsp;**8.20%** | &nbsp;&nbsp;**24** |

---

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;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$26834587.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26834587.00** | &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<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$26834587.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26834587.00** | &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;2 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$2007500.00 | &nbsp;&nbsp;7.48% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$957700.00 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.33% | &nbsp;&nbsp;$2448000.00 | &nbsp;&nbsp;9.12% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;15 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$17189407.00 | &nbsp;&nbsp;64.06% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;4 | &nbsp;&nbsp;16.67% | &nbsp;&nbsp;$4231980.00 | &nbsp;&nbsp;15.77% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26834587.00** | &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;241-360 Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$26834587.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26834587.00** | &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;11 | &nbsp;&nbsp;45.83% | &nbsp;&nbsp;$11967080.00 | &nbsp;&nbsp;44.60% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$1200000.00 | &nbsp;&nbsp;4.47% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;11 | &nbsp;&nbsp;45.83% | &nbsp;&nbsp;$12419507.00 | &nbsp;&nbsp;46.28% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.17% | &nbsp;&nbsp;$1248000.00 | &nbsp;&nbsp;4.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26834587.00** | &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;21 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;$22964687.00 | &nbsp;&nbsp;85.58% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$3869900.00 | &nbsp;&nbsp;14.42% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**24** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$26834587.00** | &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 - 9/18/2025 8:49:23 AM** | **Run Date - 9/18/2025 8:49:23 AM** | **Run Date - 9/18/2025 8:49:23 AM** | **Run Date - 9/18/2025 8:49:23 AM** | **Run Date - 9/18/2025 8:49:23 AM** | **Run Date - 9/18/2025 8:49:23 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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 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 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 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 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** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | XXXX | OBX2025J3071 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3106 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3007 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3026 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3151 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3082 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3087 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3118 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3177 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3188 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3189 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3190 |  |  | 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 | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | XXXX | XXXX | OBX2025J3202 |  |  | 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 | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | XXXX | XXXX | OBX2025J3216 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3231 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3245 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3253 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3010 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3092 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3014 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3047 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3009 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3105 |  |  | 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 | B | B | B | B | B | A | A | A | A | A | B | B | B | B | B |
| XXXX | XXXX | XXXX | OBX2025J3114 |  |  | A | A | A | A | A | 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 |

---

## Exhibit 99.03

**Exhibit 99.03**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-03_001.jpg) | ![](ex99-03_001.jpg) | ![](ex99-03_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** | **Exception Grades** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 9/18/2025 8:49:24 AM** | **Run Date - 9/18/2025 8:49:24 AM** | **Run Date - 9/18/2025 8:49:24 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| XXXX | XXXX | XXXX | OBX2025J3026 | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Require AUS as it is missing and is required as per guidelines. 1008 states Manual Underwrite |  |  |  | Reviewer Comment (2025-03-19): Received AUS. Exception Cleared<br>Buyer Comment (2025-03-18): AUS | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NV | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3026 | XXXX |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Require XXXX years Tax Transcripts as Borrower income qualified with XXXX-year average income |  |  |  | Reviewer Comment (2025-03-24): Noted. W2- Wage transcripts for year XXXX, XXXXand No records found for XXXXreceived. Exception Cleared.<br>Buyer Comment (2025-03-24): W2 transcripts | 03/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NV | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3026 | XXXX |  |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | XXXX months bank statements are required and only XXXX month was provided. please provide an additional XXXX-month bank statement for XXXX Investments IRA account ending with XXXX. |  |  |  | Reviewer Comment (2025-03-19): Guideline Follow AUS. AUS noted Most recent depository or Brokerage statement. XXXX Months suffice for IRA account. Exception Cleared<br>Buyer Comment (2025-03-18): Per Lender: AUS Guidelines require XXXX month | 03/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NV | Second Home | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3010 | XXXX |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Require fraud report with complete pages, provided in the file does not reflect complete pages, only XXXX pages provided. |  |  |  | Reviewer Comment (2025-05-09): Fraud Report Received Exception Cleared<br>Buyer Comment (2025-05-08): Fraud Report | 05/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3010 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Tis is an informational EV2 and may be waived. |  |  |  | Buyer Comment (2025-05-15): Extension provided<br>Reviewer Comment (2025-05-14): Received Business and 1040 XXXX Extension however this is an informational EV2 due to Extension of XXXX instead full tax return Lender may be be waived.. Exception Remains<br>Buyer Comment (2025-05-13): Tax extensions |  |  | 05/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | AL | Primary | Refinance - Cash-out - Other |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1084 or income worksheet is missing in file. |  |  |  | Reviewer Comment (2025-03-20): Received Income worksheet. Exception Cleared<br>Buyer Comment (2025-03-19): Income worksheet | 03/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | 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 $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-13): Sufficient Cure Provided At Closing |  | 03/13/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | GA | Primary | Refinance - Rate/Term | Final CD evidences Cure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-03-31): Permanent financing refinance of construction only loan exempt from rescission under Comment 1026.2(a)(24)-4-ii.<br>Buyer Comment (2025-03-28): CD for prior Construction Loan - RTC is N/A<br>Buyer Comment (2025-03-28): Email regarding completion of draws | 03/31/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | 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 (XXXX) business days prior to closing. | Missing initial CD. Only CD in file is dated day of closing. |  |  |  | Reviewer Comment (2025-03-20): XXXX received CD dated XXXX<br>Buyer Comment (2025-03-19): Please see uploaded initial CD on XXXX | 03/20/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | 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 (XXXX) business days of application. | Loan Estimate dated XXXX is dated prior to the application date of XXXX. E-sign consent is also dated XXXX. |  |  |  | Reviewer Comment (2025-03-18): XXXX received initial LE.<br>Buyer Comment (2025-03-17): Please cancel. The Initial 1003 dated XXXX and there is an initial LE dated XXXX (TRID requirements met) XXXX is a revised LE | 03/18/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Final CD page XXXX reflect cash from borrower is $XXXXand page XXXX reflects cash to borrower as $XXXX This is because Page XXXX is missing Mortgage payoff amount in section K. Correct CD is required for the same. |  |  |  | Reviewer Comment (2025-03-31): Received PCCD with Payoff amount in XXXXrd page. Exception Cleared<br>Buyer Comment (2025-03-28): PCCD<br>Reviewer Comment (2025-03-20): Received Same Final CD which reflect cash from borrower is $XXXX on Page XXXX and page XXXX Reflects cash to borrower as $XXXX This is because Page XXXX is missing Mortgage payoff amount in section K. Correct CD is required for the same. Exception Remains<br>Buyer Comment (2025-03-19): Proof of income | 03/31/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide most recent XXXX-month housing history reflecting XXXX and XXXX. Final URLA reflects borrowers are currently renting - VOR missing. 1003 reflects prior residence (XXXX) was owned, however XXXX last reported date is XXXX. | Borrower has verified disposable income of at least $XXXX.<br>Borrower has worked in the same position for more than XXXX years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least XXXX months.<br>The representative FICO score exceeds the guideline minimum by at least XXXX points.<br>The representative FICO score is above XXXX. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-06-03): Investor exception provided.<br>Buyer Comment (2025-05-30): investor exception approval<br>Reviewer Comment (2025-05-19): Borrower is currently staying on rent on XXXX with monthly rent of $XXXX, no supporting document is provided in file.<br> Required lease agreement, bank statement or deposit receipt reflecting rental payment history is required within XXXX. Exception remains.<br>Buyer Comment (2025-05-16): VOM and LOE from UW |  |  | 06/03/2025 | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | 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 Processing Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The Administration fee was increased on LE dated XXXX for $XXXXfrom $XXXX. Kindly provide a valid COC for the fee increased or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2025-03-31): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-03-28): LOE, PCCD, refund check and shipping label<br>Reviewer Comment (2025-03-20): XXXX received rebuttal, however COC dated XXXX does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-03-19): Please refer to COC on XXXX |  | 03/31/2025 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | 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 Administration Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | The Administration fee was increased on LE dated XXXX for $XXXX from $XXXX. Kindly provide a valid COC for the fee increased or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (2025-03-31): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-03-28): Please see uploaded cure documentation<br>Reviewer Comment (2025-03-20): XXXX received rebuttal, however COC dated XXXX does not give sufficient information on why the fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-03-19): Please refer to COC on XXXX |  | 03/31/2025 |  | 2 |  | B |  | B |  | B |  | B |  | B |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | XXXX |  |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. |  |  |  | Reviewer Comment (2025-03-18): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 03/18/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | GA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3105 | XXXX |  |  | 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. | File contains evidence appraisal report provided is an updated report. Delivery confirmations dated earlier than report date of report located in file. Lender to provide all previous appraisal reports/updates. Waiver provided. |  |  |  | Buyer Comment (2025-06-02): Borrower's acknowledged receipt on XXXX and XXXX. Non-material. |  |  | 06/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | DE | Primary | Refinance - Cash-out - Other |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Missing COC for XXXX increase to $XXXXon Final CD. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-11): XXXX received COC dated XXXX.<br>Buyer Comment (2025-06-10): COC uploaded, Loan amount increased. | 06/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Refinance - Rate/Term | 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 (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | 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 Origination Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Missing COC for XXXX increase to $XXXX on Final CD. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-11): XXXX received COC dated XXXX.<br>Buyer Comment (2025-06-10): COC | 06/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Second Home | Refinance - Rate/Term | 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 (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | 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 $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | Missing a valid Change of Circumstance for the increase in Transfer Tax on XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-06-17): Attestation ltr - Lender response: " le rounds to the nearest dollar. the actual transfer tax was $XXXX. this would make our cure amount correct. the check for $XXXXwas delivered as cited on the pccd this was the tracking # the check was sent XXXX. Please clear"<br>Reviewer Comment (2025-06-16): XXXX received Post CD,LOX,Copy of refund check and proof of mailing for $XXXX. However, the total cure required is $XXXX, therefore we would require additional cure of $XXXX along with cure documents i.e. Post CD,LOX,Copy of refund check and proof of mailing. Also, the UPS tracking indicates label has been created, but package has not been shipped. Proof of mailing required and also additional cure of $XXXX in order to cure the exception.<br>Buyer Comment (2025-06-12): LOE, PCCD, check and shipping label<br>Reviewer Comment (2025-06-11): XXXX received COC dated XXXX but the transfer taxes where increased on final CD dated XXXX. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Buyer Comment (2025-06-10): COC uploaded, Loan amount increased. |  | 06/18/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | FL | Second Home | Refinance - Rate/Term | 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 (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | 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 (XXXX) business days prior to consummation. | Missing evidence the appraisal was provided to the borrower three (XXXX) business days prior to consummation. |  |  |  | Buyer Comment (2025-06-10): Borrower signed waiver. Acknowledged as Non-Material.<br>Buyer Comment (2025-06-10): Appraisal waiver |  |  | 06/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Second Home | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Disclosure is not signed by the borrower. |  |  |  | Reviewer Comment (2025-06-12): Received Signed Disclosure copy. Refer new exception For timing requirement.<br>Buyer Comment (2025-06-10): Disclosure signed at closing uploaded. | 06/12/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Second Home | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Missing | Unable to determine compliance of Notice of Special Flood Hazard Disclosure due to missing information. | Disclosure is not dated. |  |  |  | Buyer Comment (2025-06-10): Signed at closing. Initial Disclosure note dated. Acknowledged as non-material.<br>Buyer Comment (2025-06-10): Signed at closing |  |  | 06/10/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Second Home | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | XXXX |  |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | New exception as result of documentation provided. Require signed initial copy of special flood hazard Notice disclosure to meet timing requirement. |  |  |  | Buyer Comment (2025-06-12): Lender acknowledged non material EV2 |  |  | 06/12/2025 | 2 |  | B |  | B |  | B |  | B |  | B |  | FL | Second Home | Refinance - Rate/Term |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3106 | XXXX |  |  | 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 (XXXX) business days of application. Initial Loan Estimate dated XXXX 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. | Initial Loan Estimate dated XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures Electronic consent signed XXXX |  |  |  | Reviewer Comment (2025-06-30): XXXX received updated E-sign Consent agreement with eConsent accepted by borrower on XXXX.<br>Buyer Comment (2025-06-26): Early consent.<br>Reviewer Comment (2025-06-17): The consumer went through the eConsent process on XXXX, the consumer acknowledged the receipt of the LE on XXXX. But the loan application date was XXXX. In the event the consumer had not provided eConsent by XXXX, then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over XXXX business days and acknowledged over XXXX business days. The LE would not have been provided electronically if borrower had not e-consented with the XXXX business days after application.<br>Buyer Comment (2025-06-16): Disclosure tracking | 06/30/2025 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3106 | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). | Finance Charge disclosed is $XXXX Calculated finance charge is $XXXX Variance of -$XXXX |  |  |  | Reviewer Comment (2025-06-24): XXXX received additional information clarifying the mobility fee and confirmed not finance charge.<br>Buyer Comment (2025-06-23): XXXX is appointed by XXXX {Redacted] to assist with the destination move. An invoice of $XXXXfrom [Redacted} is sent to XXXX to be charged to the buyer on the CD. XXXX is a XXXXrd party entity the client uses to assist with title providers. It is not an APR fee. | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3106 | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXX that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). | Finance Charge disclosed is $XXXX Calculated finance charge is $XXXX Variance of -$XXXX |  |  |  | Reviewer Comment (2025-06-24): XXXX received additional information clarifying the mobility fee and confirmed not finance charge.<br>Buyer Comment (2025-06-23):XXXX is appointed by XXXX to assist with the destination move. An invoice of $XXXX from XXXX is sent to XXXX to be charged to the buyer on the CD. XXXX is a XXXXrd party entity the client uses to assist with title providers. It is not an APR fee.<br>Reviewer Comment (2025-06-18): XXXX received XXXX report & PCCD noting the title-municipal lien fee. However, the title-municipal lien fee did not change from the Final CD and is not a finance charge included in calculations. The issue appears related to the Mobility Fee of $XXXX reflected in Section H. Unable to determine the services provided for this fee to determine if excludable from finance charges. If lender feels it is not a finance charge, then please provide a Lender's Attestation giving the specific services and purpose of the fee to determine if finance charge.<br>Buyer Comment (2025-06-17): PCCD with XXXX Municipal Lein fee correction and updated XXXX<br>Buyer Comment (2025-06-17): XXXX | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3106 | XXXX |  |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | File is missing the Inter Vivos Trust Rider. |  |  |  | Reviewer Comment (2025-06-18): Received Inter Vivos Revocable Trust rider. exception cleared.<br>Buyer Comment (2025-06-17): Trust rider | 06/18/2025 |  |  | 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 |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing XXXX 1040 tax return extension. |  |  |  | Reviewer Comment (2025-06-19): Received XXXX 1040 Extension. Exception Cleared<br>Buyer Comment (2025-06-18): see extension uploaded | 06/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | This is EV2 informational exception lender may acknowledge. |  |  |  | Buyer Comment (2025-06-20): XXXX Tax Extension in file. |  |  | 06/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | This is EV2 informational exception lender may acknowledge. |  |  |  | Buyer Comment (2025-06-20): XXXX Tax Extension in file. |  |  | 06/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | This is EV2 informational exception lender may acknowledge. |  |  |  | Buyer Comment (2025-06-20): XXXX Tax Extension in file. |  |  | 06/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | 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. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-19): Received XXXX 1040 Extension. Exception Cleared<br>Buyer Comment (2025-06-18): see XXXX extension provided | 06/19/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | This is EV2 informational exception lender may acknowledge. |  |  |  | Buyer Comment (2025-06-20): XXXX Tax Extension in file.<br>Reviewer Comment (2025-06-19): Received XXXX 1040 Extension. This is EV2 informational exception due to using Tax return Extension instead of recent Full Tax return. Lender May Acknowledge. Exception Remains<br>Buyer Comment (2025-06-18): XXXX 1040 extension |  |  | 06/20/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | supporting document is missing for poof for additional payment of $XXXX disclosed on loan application. |  |  |  | Reviewer Comment (2025-06-24): Received Corrected AUS and 1008. Final 1003 reflected $XXXX as taxes insurance and associated for property "XXXX" Updated 1008 and AUS received with $XXXX removed from housing expenses and DTI ratios adjusted. Exception Cleared.<br>Buyer Comment (2025-06-24): AUS/1008 | 06/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | HI | Primary | Purchase |  | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | XXXX |  |  | 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 ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-19): Received XXXX 1040 Extension. Exception Cleared | 06/19/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | HI | 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 |
| XXXX | XXXX | XXXX | OBX2025J3190 | XXXX |  |  | 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 (XXXX) business days prior to consummation. | Borrower provided appraisal waiver less than three (XXXX) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-01): Accepted as is. |  |  | 07/01/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3202 | XXXX |  |  | 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 (XXXX) business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (XXXX) business days prior to consummation. |  |  |  | Reviewer Comment (2025-07-15): Accepted as is. |  |  | 07/15/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | FL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3202 | XXXX |  |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | No cure was provided to the borrower . |  |  |  | Reviewer Comment (2025-07-14): Sufficient Cure Provided At Closing |  | 07/14/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3114 | XXXX |  |  | 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 Review Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-02): Sufficient Cure Provided At Closing |  | 07/02/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3114 | XXXX |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: XXXX |  | CU Score is XXXX. A CDA is required and was not provided. XXXX |  |  |  | Reviewer Comment (2025-07-09): Received CDA. Exception Cleared<br>Buyer Comment (2025-07-09): XXXX CDA | 07/09/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | TX | Primary | Purchase |  | D | A | A | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3151 | XXXX |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Require mortgage statement for REO "XXXX". require Hazard Insurance, Taxes and HOA statement separately is not escrowed. |  |  |  | Reviewer Comment (2025-07-30): Received Mortgage statement, Tax, insurance and HOA Verification for REO XXXX. Payment is escrowed and HOA is XXXX/Monthly whereas lender used $XXXX. Variance is with tolerance limit. Exception Cleared<br>Buyer Comment (2025-07-28): tax, ins, hoa, mortgage statement for XXXX | 07/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3151 | XXXX |  |  | 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 Attorney Review Fee. Fee Amount of $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient Cure Provided At Closing |  |  |  | Reviewer Comment (2025-07-23): Sufficient Cure Provided At Closing |  | 07/23/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | TX | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3087 | XXXX |  |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Reviewer Comment (2025-06-26): Accepted as is. |  |  | 06/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | OR | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3087 | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Loan amount discrepancy. |  | As per Note loan amount is XXXX |  |  |  | Reviewer Comment (2025-06-27): Received updated DU reflecting the correct Note amount. Exception cleared.<br>Seller Comment (2025-06-26): Comment from XXXX To (XXXX): See updated DO. | 06/27/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OR | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3087 | XXXX |  |  | 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 (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-06-26): Accepted as is. |  |  | 06/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | OR | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3087 | XXXX |  |  | 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 (XXXX) business days of application. Initial Loan Estimate dated XXXX 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. | E-sign consent is missing for XXXX |  |  |  | Reviewer Comment (2025-07-01): E-consent received dated XXXX<br>Reviewer Comment (2025-06-30): XXXX No New Document received to verify the e-consent date. Exception remains. E-consent should have been issued within XXXX business days of the broker application date.<br>Seller Comment (2025-06-26): Comment from XXXX To (XXXX): See attached e-consent. | 07/01/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | OR | Primary | Refinance - Rate/Term |  | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3087 | XXXX |  |  | 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 Collateral Desktop Analysis. Fee Amount of $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | A valid change of circumstance or cure was not provided. |  |  |  | Reviewer Comment (2025-07-18): XXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-07-17): Comment from XXXX To (XXXX): See attached proof of mailing and check.<br>Reviewer Comment (2025-07-08): XXXX Received Corrected PCCD and LOE. Provide Copy of Check and Proof of Mailing.<br>Seller Comment (2025-07-03): Comment from XXXX To (XXXX): See attached PCCD and invoice. Will provide proof of refund as soon as the e-copy of the check is available.<br>Reviewer Comment (2025-06-30): XXXX reviews to SFA standards, and TRID Grid XXXX, Row XXXX states: The COC information can be contained on multiple documents. but ideally centralized in the file for an efficient review. Documentation of borrower requested changes should include the date of the borrower's change request and be documented in writing through copy of borrower emails, communication logs, screenshot of LO notes in LOS, etc. See Appendix for examples of sufficient and insufficient COC documentation. Please provide a dated copy or the conversation lox in which the borrower requested the CDA fee for review and resolution.<br>Seller Comment (2025-06-27): Comment from XXXX To (XXXX): See attached redisclosed CD. |  | 07/18/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | OR | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3216 | XXXX |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page XXXX. | Final Closing Disclosure in file does not list any Seller paid fees. |  |  |  | Reviewer Comment (2025-07-02): XXXX received seller CD<br>Seller Comment (2025-07-01): Comment from XXXX (XXXX): Please see seller signed CD | 07/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3216 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. | Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. Tax Extension for XXXXin file. |  |  |  | Reviewer Comment (2025-06-30): Accepted as is. |  |  | 06/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | WA | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3082 | XXXX |  |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. | - Issue Date: ___; Received Date: ___; Signed Date: ___ |  |  |  |  | Reviewer Comment (2025-06-30): Accepted as is. |  |  | 06/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | WY | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3082 | XXXX |  |  | 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 $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No Cure Provided. |  |  |  | Reviewer Comment (2025-07-31): XXXX Received Letter of Explanation, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-07-30): Comment from XXXX (XXXX): Refund docs to client<br>Reviewer Comment (2025-07-14): XXXX received CD dated XXXX. However, we would require a valid COC for the fee added on CD dated XXXX or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (2025-07-11): Comment from XXXX (XXXX): Initial LE and CD |  | 07/31/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | WY | 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 (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. |  |  |  |  | Reviewer Comment (2025-08-19): XXXX Tax return extension received<br>Reviewer Comment (2025-08-19): Re-opened<br>Reviewer Comment (2025-07-17): Accepted as is. | 08/19/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-07-31): Additional assets received, sufficient reserves verified<br>Seller Comment (2025-07-31): Comment from XXXX (XXXX): #XXXX<br>Reviewer Comment (2025-07-31): We're missing XXXX, and without we are short reserves.<br>Buyer Comment (2025-07-30): Comment from XXXX (XXXX): The following XXXX statements support adequate reserves to meet the requirements required by XXXX. Qualifying: XXXXXXXXStatement shows a transfer of $XXXXto #XXXXprior to closing of the loan on the XXXXth | 07/31/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | 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 XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. |  |  |  |  | Reviewer Comment (2025-08-19): XXXX Tax return extension received<br>Reviewer Comment (2025-08-19): Reopened<br>Reviewer Comment (2025-07-17): Accepted as is. | 08/19/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Provide additional assets to meet the cash to close/reserve requirement. |  |  |  | Reviewer Comment (2025-07-28): Sufficient assets provided for closing. Cleared.<br>Seller Comment (2025-07-28): Comment from XXXX (XXXX): The following two statements support adequate reserves to meet the requirements required by XXXX.<br>Qualifying:<br> XXXX<br> XXXX<br>Statement shows a transfer of $XXXXto #XXXXprior to closing of the loan on the XXXXth | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Provide additional assets to meet the cash to close/reserve requirement |  |  |  | Reviewer Comment (2025-07-28): After further review, exception has been cleared.<br>Seller Comment (2025-07-28): Comment from XXXX (XXXX): The following two statements support adequate reserves to meet the requirements required by XXXX.<br>Qualifying:<br> XXXX<br> XXXX<br>Statement shows a transfer of $XXXXto #XXXXprior to closing of the loan on the XXXXth | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Provide additional assets to meet the cash to close/reserve requirement |  |  |  | Reviewer Comment (2025-07-28): After further review, exception has been cleared.<br>Seller Comment (2025-07-28): Comment from XXXX (XXXX): The following two statements support adequate reserves to meet the requirements required by XXXX.<br>Qualifying:<br> XXXX<br> XXXX<br>Statement shows a transfer of $XXXXto #XXXXprior to closing of the loan on the XXXXth | 07/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | 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 $XXXXexceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-07-17): Sufficient Cure Provided At Closing |  | 07/17/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | NY | Primary | Purchase | Final CD evidences Cure | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | XXXX |  |  | 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 (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-07-17): Accepted as is. |  |  | 07/17/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | NY | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3245 | XXXX |  |  | 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 $XXXXexceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. | No Cure Provided in file |  |  |  | Reviewer Comment (2025-07-30): XXXX received COC dated XXXX.<br>Seller Comment (2025-07-29): Comment from XXXX (XXXX): Initial LE and COC with LE to support Transfer Tax on CD | 07/30/2025 |  |  | 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 | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3245 | XXXX |  |  | 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 (XXXX) business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-07-21): Accepted as is. |  |  | 07/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3188 | XXXX |  |  | 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. |  |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | SitusAMC | Reviewer Comment (2025-07-25): Property inspected post disaster but pre-FEMA declaration of disaster end date. |  |  | 07/25/2025 | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3188 | XXXX |  |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXX / Post Disaster Inspection + XXXX - XXXX Days |  |  |  | Reviewer Comment (2025-07-25): Received, Clearing.<br>Reviewer Comment (2025-07-24): Valuation Received - XXXX | 07/25/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3188 | XXXX |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Minimum reserve requirement is XXXX months or $XXXX. |  |  |  | Reviewer Comment (2025-08-04): Money Market Funds of $XXXX in XXXX account #XXXXis included in Assets Available for Closing and Reserves. Hence, assets available is sufficient to meet guideline reserves requirement. Exception cleared.<br>Seller Comment (2025-08-04): Comment from XXXX (XXXX): Hi, we do not agree borrower is short reserves, the borrower has total $XXXXAssets - $XXXXTotal reserves $XXXX. Only need $XXXX<br>Reviewer Comment (2025-08-01): Exception requests should be submitted to XXXX<br>Seller Comment (2025-08-01): Comment from XXXX (XXXX): Hello, exception request submitted to XXXX for review. | 08/04/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase |  | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3177 | XXXX |  |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  | Reviewer Comment (2025-08-06): Permanent financing refinance of construction only loan exempt from rescission under Comment 1026.2(a)(24)-4-ii.<br>Seller Comment (2025-08-06): Comment from XXXX (XXXX): Memo from Closer | 08/06/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MN | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J3177 | XXXX |  |  | 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. |  |  |  |  | Reviewer Comment (2025-07-21): Accepted as is. |  |  | 07/21/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | MN | Primary | Refinance - Limited Cash-out GSE |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

## 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 - 9/18/2025 8:49:24 AM** | **Run Date - 9/18/2025 8:49:24 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuatin Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | OBX2025J3026 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | XXXX | OBX2025J3010 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | XXXX | XXXX | OBX2025J3014 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | OBX2025J3007 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| XXXX | XXXX | XXXX | OBX2025J3105 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | OBX2025J3009 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | OBX2025J3106 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | XXXX | XXXX | OBX2025J3092 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J3071 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | OBX2025J3047 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | OBX2025J3231 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.40 |
| XXXX | XXXX | XXXX | OBX2025J3190 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.50 |
| XXXX | XXXX | XXXX | OBX2025J3202 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX | XXXX | XXXX | OBX2025J3114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXXX | XXXX | XXXX | OBX2025J3151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | XXXX | OBX2025J3087 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 3.20 |
| XXXX | XXXX | XXXX | OBX2025J3216 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | OBX2025J3082 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX | XXXX | XXXX | OBX2025J3253 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.880% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
| XXXX | XXXX | XXXX | OBX2025J3118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | OBX2025J3245 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | XXXX | XXXX | OBX2025J3189 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.70 |
| XXXX | XXXX | XXXX | OBX2025J3188 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J3177 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.50 |

---

## 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** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 9/18/2025 8:49:24 AM** | **Run Date - 9/18/2025 8:49:24 AM** | **Run Date - 9/18/2025 8:49:24 AM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **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** | **Monthly Property Tax** | **Monthly 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** | **Document Type** | **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** | **Total DSCR** | **Total 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?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXXX | XXXX | XXXX | OBX2025J3026 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5205.76 | $13106.29 |  | 6.920% | [Redacted} | XXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22364.52 | 1 | $8824.56 | $2314.56 | $735.38 | $192.88 |  |  |  |  |  | 43.251% | 43.251% | 43.251% | 02/04/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5205.76 |  | 6.870% | $0.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | 6.875% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 61.850% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 70.63 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3010 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17851.75 | $18892.21 |  | 6.425% | [Redacted} | XXXX | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12176.63 | 1 | $5663.88 | $8552.88 | $471.99 | $712.74 |  |  |  |  |  | 38.692% | 38.692% | 38.692% | 03/14/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17851.75 |  | 6.650% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.28 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3014 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16534.95 | $16647.48 |  | 7.041% | [Redacted} | XXXX | 6.875% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10466.31 | 1 | $8224.80 | $1977.96 | $685.40 | $164.83 |  |  |  |  |  | 44.109% | 44.109% | 44.109% | 04/18/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16534.95 |  | 6.660% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 6.875% | 0 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 79.62 |  | No | No |  | $1091.60 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3007 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24714.20 | $25314.37 |  | 6.917% | [Redacted} | XXXX | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9246.57 | 1 | $11814.48 | $2400.00 | $984.54 | $200.00 |  |  |  |  |  | 44.797% | 44.797% | 44.797% | 12/17/2024 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $24714.20 |  | 6.630% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.04 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3105 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10603.03 | $14691.79 |  | 7.238% | [Redacted} | XXXX | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20981.14 | 1 | $2538.36 | $3981.00 | $211.53 | $331.75 |  |  |  |  |  | 40.326% | 40.326% | 40.326% | 04/11/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10603.03 |  | 6.620% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | 7.125% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 15.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.17 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3009 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $42251.90 | $46358.41 |  | 7.037% | [Redacted} | XXXX | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $45672.60 | 1 | $22579.20 | $18639.60 | $1881.60 | $1553.30 |  |  |  |  |  | 29.375% | 29.375% | 29.375% | 04/01/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $42251.90 |  | 6.810% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.92 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3106 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1325.00 | $8701.19 |  | 6.901% | [Redacted} | XXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $20553.79 | 1 | $19597.92 | $8747.04 | $1633.16 | $728.92 |  |  |  |  |  | 31.487% | 31.487% | 31.487% | 03/13/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1325.00 |  | 6.870% | $0.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 50.350% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.22 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3092 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $995.00 | $13425.09 |  | 6.891% | [Redacted} | XXXX | 6.875% | Yes | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $47603.72 | 1 | $4878.84 | $3768.72 | $406.57 | $314.06 |  |  |  |  |  | 40.181% | 40.181% | 40.181% | 04/25/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $995.00 |  | 6.740% | $3000.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.875% | 3 | 0 | 3 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 80.630% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 103.89 |  | Yes | No |  | $12595.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3071 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1325.00 | $5284.07 |  | 6.644% | [Redacted} | XXXX | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $54223.09 | 1 | $16191.00 | $6479.04 | $1349.25 | $539.92 |  |  |  |  |  | 21.743% | 21.743% | 21.743% | 05/08/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1325.00 |  | 6.800% | $10000.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 36.890% | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.79 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3047 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15832.17 | $9349.84 |  | 6.945% | [Redacted} | XXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15492.59 | 1 | $10657.44 | $2847.00 | $888.12 | $237.25 |  |  |  |  |  | 32.519% | 32.519% | 32.519% | 06/02/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $15832.17 |  | 6.880% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 32.600% | No | 29 | 29 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.31 |  |  | No |  | $0.00 | $13208.43 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3231 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16901.60 | $22479.62 |  | 6.601% | [Redacted} | XXXX | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7830.45 | 1 | $14692.92 | $2855.88 | $1224.41 | $237.99 |  |  |  |  |  | 49.586% | 49.586% | 49.586% | 04/20/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $16901.60 |  | 6.740% | $420117.05 | 3.4 | LP / LPA |  | Accept/Ineligible | Yes | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 34.630% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.54 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3190 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2385.00 | $8085.02 |  | 6.932% | [Redacted} | XXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21574.66 | 1 | $19050.00 | $2457.96 | $1587.50 | $204.83 |  |  |  |  |  | 38.535% | 38.535% | 38.535% | 06/04/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2385.00 |  | 6.880% | $0.00 | 1.5 | DU |  | ApproveIneligible | No | No | 6.875% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 25.200% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.42 |  | Yes | No |  | $0.00 | $23550.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3202 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8048.70 | $14565.27 |  | 6.958% | [Redacted} | XXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $17122.16 | 1 | $13037.16 | $6213.96 | $1086.43 | $517.83 |  |  |  |  |  | 33.721% | 33.721% | 33.721% | 06/10/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8048.70 |  | 6.880% | $35000.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | 6.875% | 0 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 39.030% | No | 0 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.07 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3114 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3840.00 | $5390.20 |  | 7.044% | [Redacted} | XXXX | 7.000% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13911.00 | 1 | $16625.88 | $8781.12 | $1385.49 | $731.76 |  |  |  |  |  | 42.332% | 42.332% | 42.332% | 05/20/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3840.00 |  | 6.930% | $0.00 | 4.3 | DU |  | ApproveIneligible | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  | 360 | Not Stated |  |  |  | XXXX | XXXX | 97.090% | No |  | 28 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.94 |  |  | No |  | $13737.06 | $5220.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3151 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1280.00 | $4990.31 |  | 6.773% | [Redacted} | XXXX | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17073.57 | 1 | $12442.44 | $2469.00 | $1036.87 | $205.75 |  |  |  |  |  | 38.487% | 38.487% | 38.487% | 05/27/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1280.00 |  | 6.920% | $800.00 | 3.3 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 57.760% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 56.93 |  | Yes | No |  | $0.00 | $19166.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3087 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3167.82 | $5379.74 |  | 6.922% | [Redacted} | XXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9309.84 | 1 | $8184.96 | $1728.96 | $682.08 | $144.08 |  |  |  |  |  | 44.391% | 44.391% | 44.391% | 05/19/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $3167.82 |  | 6.870% | $0.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | 6.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.14 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3216 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5206.00 | $8525.69 |  | 7.310% | [Redacted} | XXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13573.83 | 1 | $13374.72 | $1665.96 | $1114.56 | $138.83 |  |  |  |  |  | 46.147% | 46.147% | 46.147% | 05/16/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $5206.00 |  | 6.890% | $4000.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 7.250% | 2 |  | 2 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 35.180% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.53 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3082 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1680.70 | $3606.16 |  | 7.143% | [Redacted} | XXXX | 7.125% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10980.76 | 1 | $6448.68 | $3611.04 | $537.39 | $300.92 |  |  |  |  |  | 47.563% | 47.563% | 47.563% | 04/29/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2025 | [Borrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $1680.70 |  | 6.870% | $500.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 34.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.42 |  | No | No |  | $4427.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3253 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $24745.00 | $31499.26 |  | 7.085% | [Redacted} | XXXX | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16276.63 | 1 | $8491.92 | $2769.96 | $707.66 | $230.83 |  |  |  |  |  | 39.043% | 39.043% | 39.043% | 05/21/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $24745.00 |  | 6.770% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | 6.875% | 0 | 0 | 1 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 23.990% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.05 |  |  | No |  | $6675.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3118 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16250.00 | $7491.95 |  | 7.275% | [Redacted} | XXXX | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20376.89 | 1 | $15078.48 | $4825.80 | $1256.54 | $402.15 |  |  |  |  |  | 40.587% | 40.587% | 40.587% | 05/27/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $16250.00 |  | 6.930% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 7.250% | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.350% | No | 30 | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.64 |  | Yes | No |  | $0.00 | $10623.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3245 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1520.00 | $6374.68 |  | 6.895% | [Redacted} | XXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9649.63 | 1 | $3998.04 | $2246.40 | $333.17 | $187.20 |  |  |  |  |  | 44.177% | 44.177% | 44.177% | 06/04/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1520.00 |  | 6.670% | $0.00 | 1.3 | DU |  | ApproveEligible | Yes | No | 6.875% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 38.510% | No | 30 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.29 |  | Yes | No |  | $0.00 | $11874.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3189 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10220.00 | $20744.59 |  | 6.695% | [Redacted} | XXXX | 6.625% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16985.29 | 1 | $17066.64 | $3146.04 | $1422.22 | $262.17 |  |  |  |  |  | 44.768% | 44.768% | 44.768% | 06/16/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $10220.00 |  | 6.880% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | 6.625% | 0 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 32.300% | No | 29 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.18 |  |  | No |  | $0.00 | $10795.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3188 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10196.91 | $8037.43 |  | 6.790% | [Redacted} | XXXX | 6.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11025.42 | 1 | $18475.56 | $3764.28 | $1539.63 | $313.69 |  |  |  |  |  | 48.770% | 48.770% | 48.770% | 06/16/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10196.91 |  | 6.770% | $18000.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.750% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 25.370% | No | 6 | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.44 |  | Yes | No |  | $0.00 | $16187.92 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J3177 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6168.54 | $9561.52 |  | 6.815% | [Redacted} | XXXX | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12470.23 | 1 | $16585.92 | $4037.04 | $1382.16 | $336.42 |  |  |  |  |  | 39.636% | 39.636% | 39.636% | 04/23/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $6168.54 |  | 6.880% | $0.00 | 1.5 | DU |  | ApproveIneligible | No | No | 6.750% | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No |  | 30 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.48 |  |  | No |  | $0.00 | $3144.47 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.06

**Exhibit 99.06**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![](ex99-06_001.jpg) | ![](ex99-06_001.jpg) | ![](ex99-06_001.jpg) |  |  |  |  |  |  |  |
| **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** | **Data Compare (Non-Ignored)** |  |  |  |  |  |
| **Run Date - 9/18/2025 11:03:07 AM** | **Run Date - 9/18/2025 11:03:07 AM** | **Run Date - 9/18/2025 11:03:07 AM** |  |  |  |  |  |  |  |
| **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** |
| XXXX | XXXX | XXXX |  | OBX2025J3026 | Investor: Qualifying Total Debt Ratio | 38 | 43.25133 | Verified | Per 1008 DTI is 43.251% and calculated DTI is 43.251% |
| XXXX | XXXX | XXXX |  | OBX2025J3026 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3010 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3010 | Investor: Qualifying Total Debt Ratio | 44.561 | 38.69229 | Verified | Per AUS DTI is 38.65% and calculated DTI is 38.69% due to XXXX income of $-26.13. 1003 states $-2.13. |
| XXXX | XXXX | XXXX |  | OBX2025J3014 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3014 | Representative FICO | 777 | 782 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | OBX2025J3014 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX |  | OBX2025J3007 | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J3007 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J3105 | Investor: Qualifying Total Debt Ratio | 30.217 | 40.32597 | Verified | Per AUS DTI is 40.33% and calculated DTI is 40.33% |
| XXXX | XXXX | XXXX |  | OBX2025J3105 | Representative FICO | 764 | 778 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | OBX2025J3105 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3009 | Original CLTV | 41.93 | 40.18011 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX |  | OBX2025J3009 | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J3009 | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J3009 | Refi Purpose |  | Rate/Term | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J3009 | Investor: Qualifying Total Debt Ratio | 22.406 | 29.37506 | Verified | As per 1003 and 1008 property XXXX is not having taxes however, we have fraud report we shows property have taxes of $XXXX we have considered taxes for the same Due to this DTI is increasing from 28.37% to 29.37% with in tolerance limit |
| XXXX | XXXX | XXXX |  | OBX2025J3009 | Original LTV | 41.93 | 40.18011 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | OBX2025J3106 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3106 | Investor: Qualifying Total Debt Ratio | 29.4323 | 31.48739 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | OBX2025J3092 | Investor: Qualifying Total Debt Ratio | 37.4329 | 40.18069 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX |  | OBX2025J3092 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3071 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3071 | Investor: Qualifying Total Debt Ratio | 33.3476 | 21.74254 | Verified | Per 1008 DTI is 21.742% and calculated DTI is 21.742% |
| XXXX | XXXX | XXXX |  | OBX2025J3047 | Note Date |  | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J3190 | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX |  | OBX2025J3190 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J3190 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3202 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | OBX2025J3114 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J3151 | Note Date |  | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3087 | Investor: Qualifying Total Debt Ratio | 32.95 | 44.39118 | Verified | Field data matches Lenders qualifying DTI |
| XXXX | XXXX | XXXX |  | OBX2025J3087 | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J3216 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3216 | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J3253 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3253 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J3118 | Investor: Qualifying Total Debt Ratio | 21.58 | 40.58684 | Verified | Field data matches Lenders qualifying DTI |
| XXXX | XXXX | XXXX |  | OBX2025J3118 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3118 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J3118 | State | FL | KY | Verified | Field Value reflects State per Note |
| XXXX | XXXX | XXXX |  | OBX2025J3118 | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J3245 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J3245 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3188 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J3177 | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J3177 | Investor: Qualifying Total Debt Ratio | 43.34 | 39.63612 | Verified | DTI matches lender's 1008 |

---

## Exhibit 99.07

**Exhibit 99.07**

**EXECUTIVE SUMMARY**

**third party due diligence review**

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by Bank of America, N.A. The review included a total of 284 residential mortgage loans in connection with the securitization identified as OBX 2025-J3 (the "Securitization").

Credit, Compliance, Property Valuation, and Data Integrity reviews were performed on a population of 284 loans. Credit, Compliance, Property Valuation, Data Integrity, Pay History, and Tax and Title reviews were performed on a population of 3 loans.

The Review was conducted from January 2022 through August 2025 on mortgage loans originated between December 2021 and August 2025.

**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

&nbsp;&nbsp;&nbsp;&nbsp;b. Validate loan-to-value (LTV) and combined loan-to-value

&nbsp;&nbsp;&nbsp;&nbsp;c. Review borrower's occupancy

&nbsp;&nbsp;&nbsp;&nbsp;d. Validation through third party resource of the subject properties most recent twelve (12) month sales
history

&nbsp;&nbsp;&nbsp;&nbsp;e. 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

&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that Final 1003 is sufficiently completed

&nbsp;&nbsp;&nbsp;&nbsp;g. Provide Audit 1008 with accurate data based on file documentation

&nbsp;&nbsp;&nbsp;&nbsp;h. Confirm Loan Approval conditions were met

&nbsp;&nbsp;&nbsp;&nbsp;i. 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

&nbsp;&nbsp;&nbsp;&nbsp;j. General QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien 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;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien 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;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10,
2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy
Handbook, issued October 24, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February 22, 2019;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single
Family Housing Program, revised March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed
Loan Program, revised March 19, 2020.

**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. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of 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 (284 loans in total):

Seven (7) loans had a Secondary Appraisal, four (4) loans had an AVM, two hundred eighty-one (281) loans had Desktop Reviews, and two (2) loans had Field 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, had a confidence score less than 90, or was inconclusive, then a Field Review or a 2nd Appraisal (Secondary Appraisal or Exterior Only Appraisal) was completed. There was one (1) occurrence of this.

There were zero (0) PIW loans.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two-hundred eighty-four (284) mortgage loans reviewed, one hundred eight-two (182) unique mortgage loans (64.08% by loan count) had a total of five hundred forty-four (544) discrepancies across forty-nine (49) 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 <br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;160 | &nbsp;&nbsp;29.41% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;72 | &nbsp;&nbsp;13.24% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;49 | &nbsp;&nbsp;9.01% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;49 | &nbsp;&nbsp;9.01% |
| &nbsp;&nbsp;Total Closing Costs | &nbsp;&nbsp;45 | &nbsp;&nbsp;8.27% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;32 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;30 | &nbsp;&nbsp;5.51% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.57% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;1.84% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.10% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.74% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Secondary Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Appraisal 2 Appraisal Company | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 3 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 3 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 3 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 3 Marital Status | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Borrower 3 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Property_City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;ARM Rate Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Escrow_Indicator | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Property_Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Property_State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;ARM Initial Interest Rate Minimum | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Borrower 4 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Property_Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Borrower 3 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**544** | &nbsp;&nbsp;**100.00%** |

---

**PAY HISTORY REVIEW RESULTS SUMMARY**

For loans reviewed post-close, 3 loans in total, zero (0) loans were found to have a discrepancy between the servicer provided string and the string calculated by Consolidated Analytics.

**TAX AND TITLE REVIEW RESULTS SUMMARY**

Three (3) loans within the population had Tax and Title reviews, of which, none were found to have defects that could impact current lien position.

**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 | 278 | $334181605.00 | 97.89% |
| Event Grade B | 6 | $7392000.00 | 2.11% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 284 | $341573605.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 283 | 99.65% |
| Event Grade B | 1 | 0.35% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 284 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 279 | 98.24% |
| Event Grade B | 5 | 1.76% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 284 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 284 | 100% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 284 | 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 <br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;284 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;22 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing US Patriot Act Disclosure or ID | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Discrepancy(s) Noted | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ULI Number on URLA does not match ULI Number provided by the Lender | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Credit Report is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Document is Partially Present | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;SCIF Document is Partially Completed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Personal Tax Returns Less Than 24 Months Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Executed 4506-T Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS is Partial | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 12 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 4 Executed 4506-T Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Divorce Decree | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Flood Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Fraud Report is Only Partially Available | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient. | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 3 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 4 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***470*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;11 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Right of Rescission Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference Right to Choose Attorney disclosure was not provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Collateral Protection Notice is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Non-Borrower Title Holder Did Not Receive Right of Rescission Form | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***69*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Second Appraisal is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***11*** |

---

**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;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &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;C | &nbsp;&nbsp;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. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.08

**Exhibit 99.08**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| OBX2025J3116 | Qualifying CLTV | 48.78 | 49 | Per Appraisal |
| OBX2025J3116 | Qualifying LTV | 48.78 | 49 | Per Appraisal |
| OBX2025J3116 | Total Qualified Assets Post-Close | 1023756.81 | 710991.81 | Per Assets |
| OBX2025J3016 | Total Qualified Assets Post-Close | 148691.07 | 503764.07 | Per asset documents |
| OBX2025J3011 | Total Closing Costs | 33707.5 | 12500 | Per final closing dislcosure |
| OBX2025J3011 | Total Qualified Assets Post-Close | 510070.23 | 1033441.99 | Per asset document |
| OBX2025J3011 | Qualifying Total Debt Income Ratio | 42.35 | 42 | Rounding |
| OBX2025J3046 | Total Closing Costs | 25483.55 | 16500 | Per PCCD |
| OBX2025J3046 | Total Qualified Assets Post-Close | 219697.36 | 320484.49 | Per asset documents |
| OBX2025J3035 | Total Closing Costs | 25347.33 | 2000 | Confirmed with Final CD |
| OBX2025J3035 | Total Monthly Property Insurance Amount | 437.44 | 331.61 | Confirmed insurance on Final CD. |
| OBX2025J3035 | Total Qualified Assets Post-Close | 244397.39 | 589161.62 | Confirmed all assets with closing stmt from sale and bank statements. |
| OBX2025J3035 | Qualifying Total Debt Income Ratio | 40.91 | 41 | Difference in tape is due to Rounding. |
| OBX2025J3022 | Property Address | XXX | XXX | Capitalization |
| OBX2025J3022 | Total Closing Costs | 31711.23 | 20000 | Per PCCD |
| OBX2025J3022 | Total Monthly Property Insurance Amount | 932.37 | 595.83 | HOI plus flood |
| OBX2025J3022 | Total Qualified Assets Post-Close | 190709.04 | 650930.21 | Per asset documents |
| OBX2025J3048 | Property Address | XXX | XXX |  |
| OBX2025J3048 | Total Qualified Assets Post-Close | 75478.93 | 90651.45 | Per asset documents |
| OBX2025J3021 | Loan ID | XXXXX | XXXXX |  |
| OBX2025J3021 | Property Address | XXX | XXX | Difference due to capitalization. |
| OBX2025J3021 | Total Qualified Assets Post-Close | 300289.57 | 731272.36 | Confirmed with asset statement and system calculations. |
| OBX2025J3021 | Qualifying Total Debt Income Ratio | 45.57 | 46 | Difference due to rounding. |
| OBX2025J3008 | Qualifying LTV | 58.91 | 59 | Rounding |
| OBX2025J3008 | Qualifying CLTV | 58.91 | 59 | Rounding |
| OBX2025J3008 | Total Monthly Property Insurance Amount | 179.5 | 106.1 | Per HOI dec page |
| OBX2025J3008 | Total Qualified Assets Post-Close | 509568.31 | 851664.09 | Per asset documents |
| OBX2025J3042 | Total Closing Costs | 25065.93 | 12500 |  |
| OBX2025J3042 | Qualifying LTV | 76.19 | 77 |  |
| OBX2025J3042 | Qualifying CLTV | 76.19 | 77 |  |
| OBX2025J3042 | Total Qualified Assets Post-Close | 166868.31 | 679368.31 |  |
| OBX2025J3015 | Total Monthly Property Insurance Amount | 250 | 229 | Using higher payment due to approval. |
| OBX2025J3015 | Total Qualified Assets Post-Close | 296139.9 | 557892.04 | Confirmed all assets |
| OBX2025J3015 | Qualifying Total Debt Income Ratio | 39.98 | 39.75 | Confirmed. Change due to retention of prior residence monthly payment. |
| OBX2025J3063 | Property Address | XXX | XXX | Difference due to capitalization. |
| OBX2025J3063 | Total Closing Costs | 22313.05 | 5500 | Confirmed with Final CD. |
| OBX2025J3063 | Total Qualified Assets Post-Close | 554440.55 | 865244.1 | All assets were confirmed with bank statements. |
| OBX2025J3063 | Qualifying Total Debt Income Ratio | 48.12 | 47.13 | Difference in DTI due to larger payment then expected on retained home. DTI is still within guidelines. |
| OBX2025J3056 | Qualifying LTV | 72.38 | 72.37 | Rounding |
| OBX2025J3056 | Qualifying CLTV | 72.38 | 72.37 | Rounding |
| OBX2025J3056 | Total Qualified Assets Post-Close | 242035.82 | 653974.92 | Confirmed with asset statements. |
| OBX2025J3056 | Qualifying Total Debt Income Ratio | 41.78 | 42 | Rounding |
| OBX2025J3013 | Property Address | XXX | XXX | Difference due to capitalization. |
| OBX2025J3013 | Total Qualified Assets Post-Close | 90100.39 | 521409.7 | Confirmed with system and asset statement. |
| OBX2025J3013 | Qualifying Total Debt Income Ratio | 31.63 | 32 | Difference is due to rounding |
| OBX2025J3025 | Property Address | XXX | XXX | Difference is due to capitalization. |
| OBX2025J3025 | Qualifying LTV | 73.94 | 74 | Difference is due to rounding. |
| OBX2025J3025 | Qualifying CLTV | 73.94 | 74 | Difference is due to rounding. |
| OBX2025J3025 | Total Qualified Assets Post-Close | 80163.6 | 80322.6 | Confirmed with asset statements |
| OBX2025J3025 | Qualifying Total Debt Income Ratio | 49.35 | 49.34 | Difference is due to rounding. |
| OBX2025J3041 | Property Address | XXX | XXX | Difference due to capitalization |
| OBX2025J3041 | Appraisal 2 Appraisal Company | XXX | XXX | Difference due to capitalization |
| OBX2025J3041 | Total Qualified Assets Post-Close | 681460.99 | 1191396 | Confirmed with asset stmts and Final CD. |
| OBX2025J3058 | Borrower 1 Self-Employment Flag | Yes | No | Per income documents |
| OBX2025J3058 | Total Monthly Property Insurance Amount | 641.73 | 641.72 | Rounding |
| OBX2025J3058 | Total Qualified Assets Post-Close | 231394.76 | 585000 | Per asset documents |
| OBX2025J3060 | Property Address | XXX | XXX |  |
| OBX2025J3060 | Total Closing Costs | 15692.93 | 2269.24 | Per PCCD |
| OBX2025J3060 | Total Qualified Assets Post-Close | 285353.4 | 635172.9 | Per asset documents |
| OBX2025J3060 | Qualifying Total Debt Income Ratio | 5.37 | 5 | Rounding |
| OBX2025J3043 | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| OBX2025J3043 | Borrower 1 Self-Employment Flag | No | Yes | Per income documents |
| OBX2025J3043 | Total Closing Costs | 14805.39 | 10000 | Per PCCD |
| OBX2025J3043 | Total Qualified Assets Post-Close | 318137.94 | 742699.43 | Per asset documents |
| OBX2025J3043 | Qualifying Total Debt Income Ratio | 20.32 | 20 | Rounding |
| OBX2025J3024 | Property Address | XXX | XXX | Difference due to capitalizations. |
| OBX2025J3024 | Total Monthly Property Insurance Amount | 283 | 282 | Difference is due to rounding |
| OBX2025J3024 | Total Qualified Assets Post-Close | 281454.09 | 284520.78 | Confirmed post close assets n the system. |
| OBX2025J3251 | Qualifying LTV | 67.98 | 68 | Difference due to rounding. |
| OBX2025J3251 | Qualifying CLTV | 67.98 | 68 | Difference due to rounding. |
| OBX2025J3251 | Total Qualified Assets Post-Close | 397355.34 | 738023.81 | Confirmed all assets. |
| OBX2025J3057 | Total Qualified Assets Post-Close | 61296.71 | 767735.95 |  |
| OBX2025J3057 | Qualifying Total Debt Income Ratio | 35.13 | 35 |  |
| OBX2025J3081 | Total Closing Costs | 15973.6 | 3200 | Per PCCD |
| OBX2025J3081 | Total Qualified Assets Post-Close | 151234.07 | 406795.32 | Per asset documents |
| OBX2025J3038 | Borrower 1 Self-Employment Flag | Yes | No | Confirmed with both employment and self employment. |
| OBX2025J3038 | Qualifying LTV | 74.58 | 75 | Due to Rounding. |
| OBX2025J3038 | Qualifying CLTV | 74.58 | 75 | Due to Rounding. |
| OBX2025J3038 | Total Qualified Assets Post-Close | 374922.55 | 775516.94 | Confirmed with asset statements and PCCD. |
| OBX2025J3065 | Property Address | XXX | XXX | Difference due to caps. |
| OBX2025J3065 | Qualifying LTV | 65.68 | 66 | Difference is rounding. |
| OBX2025J3065 | Qualifying CLTV | 65.68 | 66 | Difference in rounding. |
| OBX2025J3029 | Qualifying CLTV | 74.06 | 75 | Difference due to rounding. |
| OBX2025J3029 | Qualifying LTV | 74.06 | 75 | Difference due to rounding. |
| OBX2025J3029 | Qualifying Total Debt Income Ratio | 44.83 | 45 |  |
| OBX2025J3030 | Total Monthly Property Insurance Amount | 654.47 | 592.89 | HOI plus flood insurance |
| OBX2025J3030 | Total Qualified Assets Post-Close | 133287.89 | 486623.94 | Per asset documents |
| OBX2025J3085 | Borrower 2 SSN | XXX | XXX | Confirmed SS# is correct. |
| OBX2025J3085 | Qualifying FICO | 758 | 0 | Confirmed FICO score is correct. |
| OBX2025J3033 | Total Qualified Assets Post-Close | 1556751.82 | 2040776.66 | Confirmed with system calculation. |
| OBX2025J3100 | Total Qualified Assets Post-Close | 226327.24 | 586799.39 | Confirmed with asset stmts. |
| OBX2025J3100 | Qualifying Total Debt Income Ratio | 35.07 | 35 | Difference is due to rounding. |
| OBX2025J3034 | Total Monthly Property Insurance Amount | 977.58 | 796.33 | hazard insurance plus flood |
| OBX2025J3034 | Total Qualified Assets Post-Close | 69868.52 | 465022.07 | Per asset documents |
| OBX2025J3127 | Borrower 1 FTHB | false | true | Confirmed with Final 1003. |
| OBX2025J3127 | Total Closing Costs | 21836.33 | 1377.17 | Confirmed with Final CD. |
| OBX2025J3127 | Total Qualified Assets Post-Close | 569194.91 | 795439.02 | Confirmed with system calculations. |
| OBX2025J3036 | Property Address | XXX | XXX | Difference is due to caps. |
| OBX2025J3036 | Total Qualified Assets Post-Close | 246851.61 | 256872.75 | Confirmed with system calculations. |
| OBX2025J3036 | Qualifying Total Debt Income Ratio | 24.93 | 25 | Difference is due to rounding. |
| OBX2025J3044 | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Confirmed permanent resident. |
| OBX2025J3044 | Borrower 2 Citizen | Permanent Resident Alien | US Citizen | Confirmed permanent resident. |
| OBX2025J3044 | Total Qualified Assets Post-Close | 388862.36 | 606003.94 | Confirmed with system calculations. |
| OBX2025J3044 | Qualifying Total Debt Income Ratio | 42.02 | 42 | Difference due to rounding. |
| OBX2025J3090 | Property Address | XXX | XXX | Capitalization |
| OBX2025J3090 | Total Qualified Assets Post-Close | 322136.88 | 698413.63 | Per asset documents |
| OBX2025J3090 | Qualifying Total Debt Income Ratio | 27.48 | 27.47 | Rounding |
| OBX2025J3066 | Total Qualified Assets Post-Close | 293987.44 | 348415.76 | Confirmed with system calculations. |
| OBX2025J3067 | Total Qualified Assets Post-Close | 132779.1 | 400358.85 | Confirmed with system calculations. |
| OBX2025J3252 | Qualifying CLTV | 74.35 | 75 | Difference is due to rounding. |
| OBX2025J3252 | Qualifying LTV | 74.35 | 75 | Difference is due to rounding. |
| OBX2025J3252 | Total Qualified Assets Post-Close | 947569.76 | 1794165.33 | Confirmed with system calculations. |
| OBX2025J3083 | Total Closing Costs | 21057.07 | 4367 | Confirmed with PCCD. |
| OBX2025J3083 | Total Qualified Assets Post-Close | 697448.95 | 920670.32 | Confirmed with system calculations. |
| OBX2025J3083 | Qualifying Total Debt Income Ratio | 15.19 | 15.13 | Confirmed with PITIA docs. |
| OBX2025J3113 | Property Address | XXX | XXX | Per note |
| OBX2025J3113 | Total Qualified Assets Post-Close | 466079.69 | 484476.03 | Per asset documents |
| OBX2025J3032 | Borrower 2 SSN | XXX | XXX | Confirmed on Final 1003 |
| OBX2025J3032 | Total Closing Costs | 26768.14 | 17500 | Confirmed on PCCD. |
| OBX2025J3032 | Qualifying LTV | 77.54 | 78 | Difference due to rounding |
| OBX2025J3032 | Qualifying CLTV | 77.54 | 78 | Difference due to rounding |
| OBX2025J3032 | Total Qualified Assets Post-Close | 165229.08 | 497296.72 | Confirmed with system calculations. |
| OBX2025J3147 | Borrower 1 FTHB | false | true | Fix |
| OBX2025J3147 | Total Qualified Assets Post-Close | 858588.92 | 1042871.23 | Confirmed with system calculations. |
| OBX2025J3050 | Property Address | XXX | XXX | Capitalization |
| OBX2025J3050 | Qualifying LTV | 58.62 | 59 | Rounding |
| OBX2025J3050 | Qualifying CLTV | 58.62 | 59 | Rounding |
| OBX2025J3040 | Total Closing Costs | 26472.19 | 5000 | Per PCCD |
| OBX2025J3040 | Total Qualified Assets Post-Close | 74492.38 | 449862.21 | Per asset documents |
| OBX2025J3125 | Borrower 1 Self-Employment Flag | No | Yes | Per income documents |
| OBX2025J3125 | Borrower 2 Self-Employment Flag | No | Yes | Per final application |
| OBX2025J3125 | Qualifying FICO | 785 | 791 | Per credit report |
| OBX2025J3125 | Total Qualified Assets Post-Close | 206337.43 | 451428.25 | Per asset documents |
| OBX2025J3125 | Qualifying Total Debt Income Ratio | 22.56 | 23 | Rounding |
| OBX2025J3051 | Total Monthly Property Insurance Amount | 447.72 | 447.73 | Difference due to rounding. |
| OBX2025J3051 | Total Qualified Assets Post-Close | 346688.37 | 451428.25 | Confirmed with system calculations. |
| OBX2025J3091 | Borrower 1 FTHB | false | true | Confirmed B1 is not a FTHB but B2 is. |
| OBX2025J3091 | Total Qualified Assets Post-Close | 190005.66 | 540316.37 | Confirmed with system calculations. |
| OBX2025J3091 | Qualifying Total Debt Income Ratio | 42.57 | 42.58 | Differencve due to rounding |
| OBX2025J3052 | Secondary Appraised Property Value | XXX | XXX |  |
| OBX2025J3142 | Loan ID | XXXXX | XXXXX |  |
| OBX2025J3142 | Total Closing Costs | 11293.61 | 2000 | Confirmed with PCCD |
| OBX2025J3142 | Total Qualified Assets Post-Close | 170969.4 | 499917.21 | Confirmed with system calculations. |
| OBX2025J3045 | Total Qualified Assets Post-Close | 261536.81 | 664016.99 | Confirmed with system calculations. |
| OBX2025J3045 | Qualifying Total Debt Income Ratio | 34.92 | 35 | Difference is due to rounding. |
| OBX2025J3163 | Total Closing Costs | 17780.54 | 63699.95 | Per final closing disclosure |
| OBX2025J3163 | Total Qualified Assets Post-Close | 207305.26 | 495540.44 | Per asset documents |
| OBX2025J3129 | Total Qualified Assets Post-Close | 139530.12 | 153017.96 | Per asset documents |
| OBX2025J3080 | Qualifying LTV | 69.81 | 70 | Rounding |
| OBX2025J3080 | Qualifying CLTV | 69.81 | 70 | Rounding |
| OBX2025J3080 | Total Qualified Assets Post-Close | 624296.08 | 1061296.08 | Per asset document |
| OBX2025J3076 | Borrower 2 First Name | XXX | XXX | Confirmed B2 is XXX. |
| OBX2025J3076 | Borrower 3 Last Name | XXXXX | XXXXX | Confirmed B3 is XXX. |
| OBX2025J3076 | Borrower 3 First Name | XXX | XXX | B3 is confirmed as XXX. |
| OBX2025J3076 | Borrower 1 FTHB | false | true | Confirmed B1 is not a FTHB. |
| OBX2025J3076 | Borrower 3 Self-Employment Flag | No | Yes | B3 is not self employed. |
| OBX2025J3076 | Borrower 2 SSN | XXX | XXX | Confirmed B2 SSN. |
| OBX2025J3076 | Borrower 2 Marital Status | XXX | XXX | B2 is married to B1. |
| OBX2025J3076 | Borrower 1 Self-Employment Flag | Yes | No | B1 is self employed and a wage earner. |
| OBX2025J3076 | Borrower 3 SSN | XXX | XXX | Confirmed B3 SSN |
| OBX2025J3076 | Borrower 2 Self-Employment Flag | Yes | No | Confirmed B2 is self employed. |
| OBX2025J3076 | Borrower 3 Marital Status | XXX | XXX | B3 is unmarried |
| OBX2025J3076 | Borrower 3 Qualifying Income | 7248.8 | 4741.75 | Confirmed B3 income. |
| OBX2025J3076 | Total Qualified Assets Post-Close | 278519.71 | 717753.31 | Confirmed with system calculations. |
| OBX2025J3076 | Qualifying Total Debt Income Ratio | 39.36 | 39 | Fix |
| OBX2025J3103 | Total Qualified Assets Post-Close | 136812.09 | 435671.45 | Per asset documents |
| OBX2025J3097 | Total Qualified Assets Post-Close | 117768.52 | 386484.32 | Confirmed with system calculations. |
| OBX2025J3097 | Qualifying Total Debt Income Ratio | 42.7 | 43 | Difference is due to rounding. |
| OBX2025J3039 | Qualifying LTV | 75.95 | 76 | Rounding |
| OBX2025J3039 | Qualifying CLTV | 75.95 | 76 | Rounding |
| OBX2025J3039 | Total Monthly Property Insurance Amount | 390.44 | 390.45 | Rounding |
| OBX2025J3039 | Total Qualified Assets Post-Close | 647402.84 | 679937.42 | Per asset documents |
| OBX2025J3134 | Borrower 1 FTHB | false | true | B1 is not a FTHB. B2 is a FTHB. |
| OBX2025J3134 | Total Monthly Property Insurance Amount | 309.7 | 309.71 | Rounding |
| OBX2025J3134 | Total Qualified Assets Post-Close | 273697.55 | 614350.72 | Per asset documents |
| OBX2025J3150 | Property Address | XXX | XXX | Confirmed with the note. |
| OBX2025J3150 | Qualifying LTV | 55.49 | 56 | Difference is in rounding. |
| OBX2025J3150 | Qualifying CLTV | 55.49 | 56 | Difference is in rounding. |
| OBX2025J3150 | Total Qualified Assets Post-Close | 55049.89 | 64844 | Confirmed with Final CD |
| OBX2025J3101 | Total Qualified Assets Post-Close | 280421.89 | 547439.87 | Confirmed with system calculations. |
| OBX2025J3089 | Qualifying FICO | 804 | 0 | Per credit report |
| OBX2025J3089 | Total Closing Costs | 32662.75 | 15000 | Per PCCD |
| OBX2025J3089 | Total Monthly Property Insurance Amount | 849.78 | 747.78 | HOI plus flood |
| OBX2025J3089 | Total Qualified Assets Post-Close | 204573.88 | 523562.94 | Per assets documents |
| OBX2025J3110 | Total Closing Costs | 34480.15 | 10000 | Confirmed with PCCD. |
| OBX2025J3110 | Qualifying LTV | 74.64 | 75 | Due to rounding. |
| OBX2025J3110 | Qualifying CLTV | 74.64 | 75 | Due to rounding. |
| OBX2025J3110 | Total Qualified Assets Post-Close | 287702.25 | 661610.55 | Confirmed with system calculations. |
| OBX2025J3111 | Property Address | XXX | XXX | Per note |
| OBX2025J3111 | Borrower 1 FTHB | false | true | Per credit report/mortgage stmt |
| OBX2025J3111 | Qualifying LTV | 76.47 | 77 | Rounding |
| OBX2025J3111 | Qualifying CLTV | 76.47 | 77 | Rounding |
| OBX2025J3111 | Total Qualified Assets Post-Close | 77172.35 | 539365.08 | Per assets documents |
| OBX2025J3148 | Total Qualified Assets Post-Close | 219909.55 | 448013.95 | Confirmed by system calculations. |
| OBX2025J3160 | Total Qualified Assets Post-Close | 387312.31 | 633227.16 | Per asset documents |
| OBX2025J3160 | Qualifying Total Debt Income Ratio | 36.88 | 37 | Rounding |
| OBX2025J3053 | Total Qualified Assets Post-Close | 204448.52 | 683601.76 | Per asset document |
| OBX2025J3053 | Qualifying Total Debt Income Ratio | 27.9 | 27.89 | Rounding |
| OBX2025J3072 | Total Qualified Assets Post-Close | 164684.02 | 322955.16 | Per asset documents |
| OBX2025J3093 | Borrower 1 Self-Employment Flag | Yes | No | B1 has a combination of wage earner and self employment. |
| OBX2025J3093 | Total Qualified Assets Post-Close | 99103.83 | 100109.91 | Confirmed with system calculation. |
| OBX2025J3093 | Qualifying Total Debt Income Ratio | 49.62 | 50 | Difference due to rounding. |
| OBX2025J3104 | Total Closing Costs | 10576.13 | 3200 | Per PCCD |
| OBX2025J3104 | Total Qualified Assets Post-Close | 394339.61 | 739503.69 | Per asset documents |
| OBX2025J3104 | Qualifying Total Debt Income Ratio | 24.31 | 24 | Rounding |
| OBX2025J3149 | Total Monthly Property Insurance Amount | 569.3 | 551.75 | Confirmed difference with hazard and is input correctly. |
| OBX2025J3149 | Total Qualified Assets Post-Close | 108085.78 | 443026.61 | Confirmed with system calculations. |
| OBX2025J3149 | Qualifying Total Debt Income Ratio | 42.43 | 42.4 | Difference due to rounding |
| OBX2025J3059 | Property Address | XXX | XXX | Difference is due to caps. |
| OBX2025J3059 | Property County | XXX | XXX | Confirmed with Mortgage doc. |
| OBX2025J3059 | Qualifying LTV | 64.94 | 65 | Due to rounding. |
| OBX2025J3059 | Qualifying CLTV | 64.94 | 65 | Due to rounding. |
| OBX2025J3059 | Total Monthly Property Insurance Amount | 575.92 | 502.42 | This amount includes flood insurance. Confirmed with hazard policy and flood insurance policy. |
| OBX2025J3059 | Total Qualified Assets Post-Close | 415004.84 | 692444.84 | Confirmed with system calculations. |
| OBX2025J3184 | Total Monthly Property Insurance Amount | 220.25 | 200 | Per homeowners insurance in file |
| OBX2025J3184 | Total Qualified Assets Post-Close | 118708.3 | 369029.29 | Per asset documentation |
| OBX2025J3023 | Total Monthly Property Insurance Amount | 375.05 | 376.21 |  |
| OBX2025J3023 | Total Qualified Assets Post-Close | 292905.76 | 576617.06 | Confirmed with system calculations. |
| OBX2025J3023 | Qualifying Total Debt Income Ratio | 39.35 | 39.36 | Confirmed and set exception for new DTI. |
| OBX2025J3095 | Total Closing Costs | 30124.89 | 83995 | Per final closing disclosure |
| OBX2025J3095 | Qualifying LTV | 75.93 | 76 | Rounding |
| OBX2025J3095 | Qualifying CLTV | 75.93 | 76 | Rounding |
| OBX2025J3095 | Total Qualified Assets Post-Close | 534160.55 | 963239.91 | Per asset documents |
| OBX2025J3137 | Total Closing Costs | 35633.06 | 32500 | Confirmed with PCCD. |
| OBX2025J3137 | Total Qualified Assets Post-Close | 246911.06 | 417624.68 | Confirmed with system calculations. |
| OBX2025J3137 | Qualifying Total Debt Income Ratio | 30.76 | 31 | Difference due to rounding. |
| OBX2025J3109 | Loan ID | XXXXX | XXXXX |  |
| OBX2025J3130 | Total Closing Costs | 23819.74 | 10000 | Per PCCD |
| OBX2025J3130 | Total Qualified Assets Post-Close | 122268.64 | 352014.42 | Per asset documents |
| OBX2025J3130 | Qualifying Total Debt Income Ratio | 33.32 | 33 | Rounding |
| OBX2025J3132 | Total Qualified Assets Post-Close | 794037.49 | 1230389.42 | Confirmed with system calculations. |
| OBX2025J3132 | Qualifying Total Debt Income Ratio | 26.6 | 26.41 | Confirmed DTI. Small difference due to tax and ins. |
| OBX2025J3140 | Qualifying Interest Rate | 6.875 | 0.0688 | Confirmed with note. |
| OBX2025J3140 | Total Closing Costs | 28435.66 | 19000 | Confirmed with PCCD. |
| OBX2025J3140 | Total Qualified Assets Post-Close | 261151.29 | 484328.58 | Confirmed by system calculations. |
| OBX2025J3140 | Qualifying Total Debt Income Ratio | 21.04 | 21 | Due to rounding |
| OBX2025J3064 | Total Closing Costs | 12925.5 | 4984.35 | Confirmed with Latest CD. |
| OBX2025J3064 | Qualifying LTV | 43.82 | 44 | Due to rounding. |
| OBX2025J3064 | Qualifying CLTV | 43.82 | 44 | Due to rounding. |
| OBX2025J3064 | Total Qualified Assets Post-Close | 3652260.63 | 4171226.04 | Confirmed with system calculations. |
| OBX2025J3119 | Loan Purpose | Purchase | Refinance | Confirmed: Purchase |
| OBX2025J3119 | Total Qualified Assets Post-Close | 374158.75 | 594738.53 | Confirmed with system calculations. |
| OBX2025J3173 | Qualifying CLTV | 74.62 | 75 | Rounding |
| OBX2025J3173 | Qualifying LTV | 74.62 | 75 | Rounding |
| OBX2025J3173 | Total Monthly Property Insurance Amount | 180.42 | 180.43 | Rounding |
| OBX2025J3173 | Total Qualified Assets Post-Close | 230841.62 | 625335.54 | Per asset documents |
| OBX2025J3228 | Borrower 1 Last Name | XXXXX | XXXXX | Confirmed with note. |
| OBX2025J3228 | Total Monthly Property Insurance Amount | 390.34 | 212.17 | Flood ins was added to premium. |
| OBX2025J3228 | Total Qualified Assets Post-Close | 1347241.63 | 1451187.01 | Confirmed with system calculations. |
| OBX2025J3117 | Qualifying Total Debt Income Ratio | 30.17 | 29.5 |  |
| OBX2025J3031 | Total Monthly Property Insurance Amount | 642.23 | 180.23 | This includes flood insurance. |
| OBX2025J3031 | Total Qualified Assets Post-Close | 558301.33 | 781953.5 | Confirmed with system calculations. |
| OBX2025J3181 | Total Closing Costs | 15631.81 | 12000 | Per PCCD |
| OBX2025J3181 | Total Qualified Assets Post-Close | 326506.77 | 626346.55 | Per asset documents |
| OBX2025J3181 | Qualifying Total Debt Income Ratio | 43.81 | 44 | Rounding |
| OBX2025J3208 | Total Qualified Assets Post-Close | 247061.48 | 606297.57 | Per assets documents |
| OBX2025J3208 | Qualifying Total Debt Income Ratio | 20.19 | 20.24 | The lender included the same debt twice which resulted in a higher DTI. |
| OBX2025J3171 | Total Closing Costs | 16281.14 | 15000 | Per PCCD |
| OBX2025J3171 | Qualifying LTV | 74.65 | 75 | Per asset documents |
| OBX2025J3171 | Qualifying CLTV | 74.65 | 75 | Rounding |
| OBX2025J3171 | Total Qualified Assets Post-Close | 180675.12 | 458640.14 | Per asset documents |
| OBX2025J3171 | Qualifying Total Debt Income Ratio | 40.57 | 40.81 | Per final closing disclosure |
| OBX2025J3161 | Total Qualified Assets Post-Close | 1193752.5 | 1115656.42 | Confirmed with system calculations. |
| OBX2025J3161 | Qualifying Total Debt Income Ratio | 44.57 | 45 | Due to rounding |
| OBX2025J3146 | Qualifying CLTV | 54.55 | 55 | Due to rounding |
| OBX2025J3146 | Qualifying LTV | 54.55 | 55 | Due to rounding. |
| OBX2025J3146 | Total Monthly Property Insurance Amount | 506.55 | 318.17 | Confirmed with hazard policy in file. |
| OBX2025J3146 | Total Qualified Assets Post-Close | 366724.22 | 1374248.08 | Confirmed with system calculations. |
| OBX2025J3146 | Qualifying Total Debt Income Ratio | 17.43 | 17.34 | Confirmed; Difference is due to final calculation of net loss on retained property. |
| OBX2025J3195 | Total Qualified Assets Post-Close | 1113785.49 | 1396532.9 | Confirmed with system calculations. |
| OBX2025J3195 | Qualifying Total Debt Income Ratio | 33.9 | 34 | Rounding |
| OBX2025J3180 | Total Qualified Assets Post-Close | 379859.97 | 595793.53 | Confirmed with system calculations. |
| OBX2025J3079 | Borrower 1 Last Name | XXXXX | XXXXX | Confirmed with the note |
| OBX2025J3079 | Qualifying LTV | 78.58 | 79 | Rounding |
| OBX2025J3079 | Qualifying CLTV | 78.58 | 79 | Rounding |
| OBX2025J3079 | Total Qualified Assets Post-Close | 1424114.73 | 979244.95 | Confirmed with system calculations. |
| OBX2025J3159 | Total Qualified Assets Post-Close | 115978.78 | 367530.43 | Per asset documents |
| OBX2025J3159 | Qualifying Total Debt Income Ratio | 46.28 | 46.27 | Rounding |
| OBX2025J3144 | Total Qualified Assets Post-Close | 284963.6 | 772462.92 | Per asset documents |
| OBX2025J3144 | Qualifying Total Debt Income Ratio | 43.97 | 44 | Rounding |
| OBX2025J3192 | Total Closing Costs | 15539.03 | 750 | Confirmed with PCCD. |
| OBX2025J3192 | Qualifying LTV | 79.13 | 80 | Rounding |
| OBX2025J3192 | Qualifying CLTV | 79.13 | 80 | Rounding |
| OBX2025J3192 | Total Qualified Assets Post-Close | 102907.11 | 467286.69 | Confirmed with system calculations. |
| OBX2025J3220 | Property County | XXX | XXX | Capitalization |
| OBX2025J3220 | Qualifying CLTV | 60.2 | 61 | Rounding |
| OBX2025J3220 | Qualifying LTV | 60.2 | 61 | Rounding |
| OBX2025J3220 | Total Monthly Property Insurance Amount | 182.95 | 182.93 | Rounding |
| OBX2025J3220 | Total Qualified Assets Post-Close | 175929.46 | 82521.57 | Per asset documents |
| OBX2025J3235 | Qualifying LTV | 41.14 | 42 | Rounding |
| OBX2025J3235 | Qualifying CLTV | 41.14 | 42 | Rounding |
| OBX2025J3235 | Total Qualified Assets Post-Close | 733004.37 | 1607286.14 | Confirmed with system calculation. |
| OBX2025J3123 | Property Address | XXX | XXX | Capitalization |
| OBX2025J3123 | Property City | XXX | XXX | Per note |
| OBX2025J3123 | Total Closing Costs | 16085.56 | 45285.56 | Per PCCD |
| OBX2025J3123 | Qualifying LTV | 70.59 | 71 | Rounding |
| OBX2025J3123 | Qualifying CLTV | 70.59 | 71 | Rounding |
| OBX2025J3123 | Total Qualified Assets Post-Close | 322748.07 | 684585.09 | Per asset documents |
| OBX2025J3170 | Total Qualified Assets Post-Close | 207490.77 | 261924.26 | Confirmed with system calculations. |
| OBX2025J3170 | Qualifying Total Debt Income Ratio | 49.58 | 49.21 | Confirmed with latest credit report. |
| OBX2025J3223 | Property Address | XXX | XXX | Due to caps |
| OBX2025J3223 | Borrower 1 Self-Employment Flag | Yes | No | Confirmed B1 is self employed(combination W2 and S/E) |
| OBX2025J3223 | Total Closing Costs | 18896.16 | 500 | Confirmed with PCCD. |
| OBX2025J3223 | Total Qualified Assets Post-Close | 100220.76 | 395525.44 | Confirmed with system calculations |
| OBX2025J3223 | Qualifying Total Debt Income Ratio | 43.28 | 43.04 | Confirmed due to note rate date vs AUS rate is higher. |
| OBX2025J3069 | Qualifying Total Debt Income Ratio | 43.69 | 43.62 | Lender omitted $XXX payment for XXX. Audit UW could not find supporting documentation that debt was paid off. Therefore debt was included. DTI variance is les than XXX%. |
| OBX2025J3179 | Qualifying FICO | 774 | 0 | Per credit report |
| OBX2025J3179 | Qualifying LTV | 66.16 | 67 | Rounding |
| OBX2025J3179 | Qualifying CLTV | 66.16 | 67 | Rounding |
| OBX2025J3128 | Qualifying FICO | 784 | 78484 | Per credit report |
| OBX2025J3128 | Total Closing Costs | 68072.59 | 4500 | Per final closing disclosure |
| OBX2025J3128 | Total Qualified Assets Post-Close | 116993.48 | 683819.74 | Per asset document |
| OBX2025J3128 | Qualifying Total Debt Income Ratio | 43.27 | 43 | Rounding |
| OBX2025J3049 | Borrower 2 First Name | XXX | XXX | Due to caps |
| OBX2025J3049 | Borrower 1 Self-Employment Flag | No | Yes | Confirmed not self employed. Less than XXX% ownership. |
| OBX2025J3049 | Qualifying FICO | 792 | 795 | Confirmed with credit report and DU approval. |
| OBX2025J3049 | Total Qualified Assets Post-Close | 443830.93 | 478827.81 | Confirmed by system calculations. |
| OBX2025J3107 | Qualifying CLTV | 71.84 | 72 | Due to rounding |
| OBX2025J3107 | Qualifying LTV | 71.84 | 72 | Due to rounding |
| OBX2025J3107 | Total Qualified Assets Post-Close | 175522.53 | 138016.04 | Confirmed with system calculations. |
| OBX2025J3211 | Borrower 3 Last Name | XXXXX | XXXXX | Confirmed B3 name. |
| OBX2025J3211 | Borrower 3 Marital Status | XXX | XXX | Confirmed unmarried. |
| OBX2025J3211 | Borrower 3 SSN | XXX | XXX | Confirmed B3 SSN. |
| OBX2025J3211 | Borrower 3 First Name | XXX | XXX | Confirmed B3 name |
| OBX2025J3211 | Borrower 2 First Name | XXX | XXX | Confirmed B2 First name. |
| OBX2025J3211 | Borrower 1 First Name | XXX | XXX | Confirmed first name. |
| OBX2025J3211 | Borrower 1 FTHB | false | true | Confirmed B1 isn't a FTHB. |
| OBX2025J3211 | Borrower 1 Marital Status | XXX | XXX | Confirmed married by 1003. |
| OBX2025J3211 | Borrower 1 SSN | XXX | XXX | Confirmed B1 SSN. |
| OBX2025J3211 | Borrower 2 SSN | XXX | XXX | Confirmed SS for B2. |
| OBX2025J3211 | Total Closing Costs | 30123.29 | 60099 | Confirmed with Final CD |
| OBX2025J3211 | Total Monthly Property Insurance Amount | 179.07 | 182.07 | Confirmed with hazard policy. |
| OBX2025J3211 | Total Qualified Assets Post-Close | 1828169.69 | 1649961.94 | Confirmed with system calculations |
| OBX2025J3214 | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| OBX2025J3214 | Total Qualified Assets Post-Close | 58423.35 | 332162.24 | Per asset document |
| OBX2025J3193 | Total Closing Costs | 29235.39 | 15000 | Confirmed with PCCD. |
| OBX2025J3193 | Total Qualified Assets Post-Close | 660126.89 | 459754.02 | Confirmed with system calculations. |
| OBX2025J3193 | Qualifying Total Debt Income Ratio | 34.41 | 34 | Due to rounding. |
| OBX2025J3185 | Total Qualified Assets Post-Close | 63884.96 | 304596.95 | Confirmed with system calculations. |
| OBX2025J3207 | Secondary Appraised Property Value | XXX | XXX | Confirmed with additional appraisal. |
| OBX2025J3207 | Primary Appraised Property Value | XXX | XXX | Confirmed with appraisal. |
| OBX2025J3207 | Appraisal 2 Appraisal Company | XXX | XXX | Due to caps |
| OBX2025J3207 | Total Qualified Assets Post-Close | 1689363.97 | 2263358.13 | Confirmed with system calculations. |
| OBX2025J3207 | Qualifying Total Debt Income Ratio | 38.65 | 38.45 | Confirmed. Slight due to recalc. of ratios. |
| OBX2025J3201 | Borrower 2 Self-Employment Flag | Yes | No | Confirmed B2 is partly self employed. |
| OBX2025J3201 | Qualifying CLTV | 77.09 | 78 | Due to rounding |
| OBX2025J3201 | Qualifying LTV | 77.09 | 78 | Due to rounding. |
| OBX2025J3201 | Total Qualified Assets Post-Close | 90255.85 | 95496.74 | Confirmed with system calculations. |
| OBX2025J3174 | Total Closing Costs | 15772.21 | 5000 | Confirmed with PCCD. |
| OBX2025J3174 | Total Qualified Assets Post-Close | 147738 | 291358.69 | Confirmed with system calculations. |
| OBX2025J3138 | Total Qualified Assets Post-Close | 774760.45 | 928881.57 | Per asset documents |
| OBX2025J3212 | Total Closing Costs | 28901.91 | 1000 | Confirmed with Final CD. |
| OBX2025J3212 | Total Qualified Assets Post-Close | 975527.34 | 1208956.31 | Confirmed with system Calculations. |
| OBX2025J3212 | Qualifying Total Debt Income Ratio | 20.52 | 20 | Due to Rounding |
| OBX2025J3219 | Total Closing Costs | 23385.12 | 5000 | Confirmed with PCCD. |
| OBX2025J3219 | Total Qualified Assets Post-Close | 218141.81 | 523538.81 | Confirmed with system calculations. |
| OBX2025J3246 | Property Address | XXX | XXX | Due to caps. |
| OBX2025J3246 | Qualifying CLTV | 43.69 | 44 | Due to rounding |
| OBX2025J3246 | Qualifying LTV | 43.69 | 44 | Due to rounding. |
| OBX2025J3246 | Total Qualified Assets Post-Close | 867948.49 | 1558871.47 | confirmed with system calculations. |
| OBX2025J3217 | Total Closing Costs | 22695.83 | 22365.83 | Per PCCD |
| OBX2025J3217 | Total Qualified Assets Post-Close | 1075123.42 | 1298485.31 | Per asset documents |
| OBX2025J3191 | Qualifying LTV | 55.56 | 56 | Rounding |
| OBX2025J3191 | Qualifying CLTV | 55.56 | 56 | Rounding |
| OBX2025J3191 | Total Qualified Assets Post-Close | 1419040.89 | 1421342.89 | Per final closing disclosure |
| OBX2025J3227 | Property Address | XXX | XXX | Capitalization |
| OBX2025J3227 | Borrower 1 Last Name | XXXXX | XXXXX | Per note |
| OBX2025J3227 | Qualifying Total Debt Income Ratio | 35.26 | 35 | Per credit report |
| OBX2025J3102 | Property County | XXX | XXX | Per legal discreption |
| OBX2025J3102 | Qualifying CLTV | 73.08 | 73.07 | Rounding |
| OBX2025J3102 | Qualifying LTV | 73.08 | 73.07 | Rounding |
| OBX2025J3102 | Total Qualified Assets Post-Close | 185878.04 | 712897.19 | Per asset documents |
| OBX2025J3102 | Qualifying Total Debt Income Ratio | 41.84 | 41 | Rounding |
| OBX2025J3084 | Total Monthly Property Insurance Amount | 251.27 | 251.28 | Due to rounding |
| OBX2025J3084 | Total Qualified Assets Post-Close | 11201.56 | 474646.66 | Confirmed with system calculations. |
| OBX2025J3084 | Qualifying Total Debt Income Ratio | 41.59 | 42 | Due to rounding |
| OBX2025J3224 | Total Closing Costs | 29998.57 | 2500 | Per PCCD |
| OBX2025J3224 | Total Qualified Assets Post-Close | 364923.03 | 605927.61 | Per asset documents |
| OBX2025J3183 | Qualifying LTV | 74.6 | 75 | Due to rounding |
| OBX2025J3183 | Qualifying CLTV | 74.6 | 75 | Due to rounding |
| OBX2025J3183 | Total Monthly Property Insurance Amount | 177.33 | 177.34 | Due to rounding |
| OBX2025J3183 | Total Qualified Assets Post-Close | 314707.67 | 631884.46 | Confirmed with system calculations |
| OBX2025J3187 | Total Closing Costs | 29144.32 | 22500 | Confirmed with PCCD |
| OBX2025J3187 | Qualifying CLTV | 55.88 | 56 | Due to rounding. |
| OBX2025J3187 | Qualifying LTV | 55.88 | 56 | Due to rounding. |
| OBX2025J3187 | Total Qualified Assets Post-Close | 1033523.22 | 1028428.17 | Confirmed with system calculations. |
| OBX2025J3187 | Qualifying Total Debt Income Ratio | 36.28 | 34.76 | Due to rounding. |
| OBX2025J3240 | Total Qualified Assets Post-Close | 318031.17 | 364348.04 | Confirmed with system calculations. |
| OBX2025J3240 | Qualifying Total Debt Income Ratio | 43.47 | 43 | Due to rounding |
| OBX2025J3182 | Total Qualified Assets Post-Close | 169375.75 | 545855.33 | Per asset documents |
| OBX2025J3175 | Total Closing Costs | 34527.77 | 29735.07 | Per PCCD |
| OBX2025J3175 | Total Qualified Assets Post-Close | 104776.01 | 276426.89 | Per asset documents |
| OBX2025J3176 | Property Address | XXX | XXX | Due to caps. |
| OBX2025J3176 | Total Closing Costs | 48775.63 | 2085 | Confirmed with final CD. |
| OBX2025J3176 | Total Qualified Assets Post-Close | 74010.45 | 423346.79 | Confirmed with system calculations. |
| OBX2025J3176 | Qualifying Total Debt Income Ratio | 26.04 | 26 | Due to rounding |
| OBX2025J3135 | Qualifying LTV | 78.26 | 79 | Rounding |
| OBX2025J3135 | Qualifying CLTV | 78.26 | 79 | Rounding |
| OBX2025J3135 | Total Qualified Assets Post-Close | 72122.96 | 265966.63 | Per asset documents |
| OBX2025J3276 | Qualifying CLTV | 55.56 | 56 | Rounding |
| OBX2025J3276 | Qualifying LTV | 55.56 | 56 | Rounding |
| OBX2025J3276 | Total Qualified Assets Post-Close | 1520221.99 | 2530468.63 | Per asset document |
| OBX2025J3205 | Total Closing Costs | 18852.25 | 7130 | Confirmed with PCCD. |
| OBX2025J3205 | Total Qualified Assets Post-Close | 138399.38 | 472799.8 | Confirmed with system calculations. |
| OBX2025J3205 | Qualifying Total Debt Income Ratio | 43.81 | 44 | Due to rounding. |
| OBX2025J3215 | Total Monthly Property Insurance Amount | 82.25 | 150 | Confirmed with hazard docs. |
| OBX2025J3215 | Total Qualified Assets Post-Close | 65215.94 | 312069.08 | Confirmed with system calculations. |
| OBX2025J3215 | Qualifying Total Debt Income Ratio | 46.37 | 44.92 | Updated ratios based on income docs. |
| OBX2025J3153 | Total Qualified Assets Post-Close | 90916.97 | 118490.97 | Per asset document |
| OBX2025J3153 | Qualifying Total Debt Income Ratio | 35.07 | 35 | Rounding |
| OBX2025J3133 | Qualifying CLTV | 69.74 | 70 | Due to rounding |
| OBX2025J3133 | Qualifying LTV | 69.74 | 70 | Due to rounding |
| OBX2025J3133 | Total Qualified Assets Post-Close | 641217.07 | 1148219.19 | Confirmed with system calculation. |
| OBX2025J3133 | Qualifying Total Debt Income Ratio | 26.15 | 26.14 | Confirmed |
| OBX2025J3292 | Property Address | XXX | XXX | Due to caps. |
| OBX2025J3292 | Total Qualified Assets Post-Close | 264981.69 | 556805.92 | Confirmed with system calculations. |
| OBX2025J3218 | Margin | 2.75 | 0.0275 | Confirmed with note. |
| OBX2025J3218 | ARM Initial Interest Rate Minimum | 2.75 | 0.028 | Confirmed with note. |
| OBX2025J3218 | ARM Initial Interest Rate Cap | 5 | 0.05 | Confirmed with note. |
| OBX2025J3218 | ARM Lifetime Interest Rate Minimum | 2.75 | 0.0275 | Confirmed with note. |
| OBX2025J3218 | ARM Subsequent Interest Rate Cap | 1 | 0.01 | Confirmed with note. |
| OBX2025J3218 | ARM Rate Index Type | SOFR 30 Day Average | 30DayAverageSOFR | Confirmed with note. |
| OBX2025J3218 | ARM Subsequent Interest Rate Change Frequency | 6 | 0 | Confirmed with note. |
| OBX2025J3218 | ARM Lifetime Interest Rate Cap Maximum | 5 | 0.11625 | Confirmed with note. |
| OBX2025J3218 | Total Qualified Assets Post-Close | 338519.95 | 333972.54 | Confirmed with system calculations. |
| OBX2025J3218 | Qualifying Total Debt Income Ratio | 41.15 | 34 | Confirmed with approval. |
| OBX2025J3291 | Total Closing Costs | 18455.68 | 10000 | Confirmed with PCCD. |
| OBX2025J3291 | Total Qualified Assets Post-Close | 4725574.14 | 535966.92 | Confirmed with asset stmts. |
| OBX2025J3291 | Qualifying Total Debt Income Ratio | 48.62 | 46 | Confirmed. |
| OBX2025J3244 | Qualifying CLTV | 43.24 | 44 | Rounding |
| OBX2025J3244 | Qualifying LTV | 43.24 | 44 | Rounding |
| OBX2025J3244 | Total Qualified Assets Post-Close | 2296539.15 | 4651535.94 | Per asset documents |
| OBX2025J3254 | Total Qualified Assets Post-Close | 375323.13 | 389232.8 | Per asset documents |
| OBX2025J3264 | Qualifying CLTV | 70.38 | 71 | Rounding |
| OBX2025J3264 | Qualifying LTV | 70.38 | 71 | Rounding |
| OBX2025J3264 | Total Monthly Property Insurance Amount | 521.08 | 222.75 | HOI plus fire insurance |
| OBX2025J3264 | Total Qualified Assets Post-Close | 279510.36 | 724073.58 | Per asset documents |
| OBX2025J3299 | Total Qualified Assets Post-Close | 1423485.02 | 1456014.83 | Per asset documents |
| OBX2025J3247 | Borrower 1 FTHB | false | true | Per final application |
| OBX2025J3247 | Total Qualified Assets Post-Close | 207731.06 | 517946.7 | Per asset documents |
| OBX2025J3247 | Qualifying Total Debt Income Ratio | 37.74 | 37.12 | Recalculated income is $XXX less than qualifying income, see see income calc. |
| OBX2025J3282 | Total Closing Costs | 17078.96 | 150 | Per final closing disclosure |
| OBX2025J3282 | Total Qualified Assets Post-Close | 873826.61 | 1263324.95 | Per asset documents |
| OBX2025J3282 | Qualifying Total Debt Income Ratio | 36.07 | 43.03 | The recalculated HTI and DTI differ from the qualifying ratios. The borrower has XXX rental properties—one with net rental income (Property A) and one with a net loss (Property B). The lender used the income from Property A as rental income and included the loss from Property B as a debt. XXX, however, nets the XXX properties, which results in a variance: Lender Housing Ratio: XXX% \| Recalculated: XXX%; Lender DTI: XXX% \| Recalculated: XXX%. Per XXX, file is left as-is to reflect system calculations. |
| OBX2025J3289 | Borrower 1 FTHB | false | true | Per final application |
| OBX2025J3289 | Total Monthly Property Insurance Amount | 155.97 | 150 | Per HOI |
| OBX2025J3289 | Total Qualified Assets Post-Close | 195143.1 | 600517.18 | Per asset documents |
| OBX2025J3308 | Qualifying CLTV | 74.07 | 75 | Due to rounding |
| OBX2025J3308 | Qualifying LTV | 74.07 | 75 | Due to rounding. |
| OBX2025J3308 | Total Qualified Assets Post-Close | 403068.68 | 584698.27 | Confirmed with system calculations. |
| OBX2025J3308 | Qualifying Total Debt Income Ratio | 46.11 | 42.8 | Confirmed |
| OBX2025J3241 | Total Monthly Property Insurance Amount | 978.66 | 625.18 | HOI plus flood insurance |
| OBX2025J3241 | Total Qualified Assets Post-Close | 326432.06 | 623802.26 | Per asset document |
| OBX2025J3241 | Qualifying Total Debt Income Ratio | 37.13 | 37.11 | The lender approved loan with HOI of $XXX vs. verified HOI $XXX. The variance resulted in the DTI increasing. |
| OBX2025J3306 | Property Address | XXX | XXX | Due to caps |
| OBX2025J3306 | Borrower 1 FTHB | true | false | Confirmed |
| OBX2025J3306 | Total Closing Costs | 50879.09 | 76861.3 | Confirmed |
| OBX2025J3306 | Total Qualified Assets Post-Close | 166986.63 | 335224.87 | Confirmed with system calculations. |
| OBX2025J3306 | Qualifying Total Debt Income Ratio | 38.53 | 38.46 | Confirmed difference due to addtl debt disclosed in file. |
| OBX2025J3272 | Property Address | XXX | XXX | Due to caps. |
| OBX2025J3272 | Total Qualified Assets Post-Close | 693413.44 | 1023714.22 | Confirmed with system calculations. |
| OBX2025J3226 | Secondary Appraised Property Value | XXX | XXX | Per second appraisals |
| OBX2025J3226 | Total Qualified Assets Post-Close | 818533.87 | 1502049.71 | Per asset documents |
| OBX2025J3274 | Initial Monthly P&I Or IO Payment | XXX | XXX | Per note |
| OBX2025J3274 | Property Address | XXX | XXX | Per note |
| OBX2025J3274 | Total Qualified Assets Post-Close | 213064.53 | 698622.07 | Per asset document |
| OBX2025J3199 | Qualifying CLTV | 70.36 | 71 | Rounding |
| OBX2025J3199 | Qualifying LTV | 70.36 | 71 | Rounding |
| OBX2025J3199 | Total Monthly Property Insurance Amount | 924.65 | 400 | Per HOI policy |
| OBX2025J3199 | Total Qualified Assets Post-Close | 249939.29 | 252706.99 | Per asset documents |
| OBX2025J3268 | Qualifying FICO | 803 | 0 | Per credit report |
| OBX2025J3301 | Qualifying FICO | 782 | 0 | Confirmed with credit report/Final 1003. |
| OBX2025J3267 | Qualifying FICO | 804 | 0 | Per credit report |
| OBX2025J3234 | Borrower 1 Self-Employment Flag | Yes | No | Confirmed Self employed |
| OBX2025J3234 | Qualifying FICO | 741 | 0 | Confirmed with credit report. |
| OBX2025J3273 | Borrower 1 Self-Employment Flag | Yes | No | Per final application |
| OBX2025J3273 | Qualifying FICO | 782 | 0 | Per credit report |
| OBX2025J3300 | Borrower 2 Self-Employment Flag | Yes | No | B2 is self employed |
| OBX2025J3300 | Qualifying FICO | 778 | 0 | Confirmed with credit report |
| OBX2025J3284 | Qualifying FICO | 795 | 796 | Confirmed with credit report |
| OBX2025J3284 | Total Qualified Assets Post-Close | 824808.36 | 1239504.25 | Confirmed with system calculations. |
| OBX2025J3237 | Borrower 1 Last Name | XXXXX | XXXXX | Confirmed with note |
| OBX2025J3237 | Borrower 2 Self-Employment Flag | Yes | No | Confirmed S/E |
| OBX2025J3237 | Total Qualified Assets Post-Close | 648000.93 | 904223.6 | Confirmed with system calculations |
| OBX2025J3237 | Qualifying Total Debt Income Ratio | 29.33 | 29.32 | Due to rounding |
| OBX2025J3279 | Property Address | XXX | XXX | Due to caps |
| OBX2025J3279 | Borrower 1 SSN | XXX | XXX | Confirmed |
| OBX2025J3279 | Borrower 1 Citizen | US Citizen | Non Permanent Resident Alien | Both borrowers are US Citizens |
| OBX2025J3279 | Borrower 1 First Name | XXX | XXX | Confirmed |
| OBX2025J3279 | Borrower 2 First Name | XXX | XXX | Confirmed |
| OBX2025J3279 | Borrower 2 SSN | XXX | XXX | Confirmed |
| OBX2025J3279 | Total Qualified Assets Post-Close | 33673.12 | 532270.16 | Confirmed |
| OBX2025J3279 | Qualifying Total Debt Income Ratio | 48.28 | 48.34 | Confirmed |
| OBX2025J3302 | Property County | XXX | XXX | Confirmed County of XXX |
| OBX2025J3302 | Total Closing Costs | 31377.83 | 19653.28 | Confirmed with Final CD. |
| OBX2025J3302 | Total Qualified Assets Post-Close | 511864.61 | 869854.23 | Confirmed with system calculations. |
| OBX2025J3229 | Qualifying LTV | 67.74 | 68 | Due to rounding |
| OBX2025J3229 | Qualifying CLTV | 67.74 | 68 | Due to rounding |
| OBX2025J3229 | Total Qualified Assets Post-Close | 313024.4 | 671493.47 | Confirmed by system calculations. |
| OBX2025J3229 | Qualifying Total Debt Income Ratio | 34.93 | 35.14 | Confirmed small difference in hazard policy premium. |
| OBX2025J3266 | Borrower 1 FTHB | false | true | B1 is not FTHB but b2 is a FTHB. |
| OBX2025J3266 | Qualifying LTV | 55.19 | 56 | Roundng |
| OBX2025J3266 | Qualifying CLTV | 55.19 | 56 | Rounding |
| OBX2025J3266 | Total Qualified Assets Post-Close | 173136.29 | 820100.69 | Per asset documents |
| OBX2025J3222 | Borrower 3 Qualifying Income | 21714.44 | 16750 | Per income documents |
| OBX2025J3222 | Borrower 4 Origination FICO | 811 | 0 | Per asset douments |
| OBX2025J3222 | Total Closing Costs | 49001.8 | 12500 | Per PCCD |
| OBX2025J3222 | Total Monthly Property Insurance Amount | 709.75 | 140.25 | HOI, Wind and Flood combined = $XXX |
| OBX2025J3222 | Total Qualified Assets Post-Close | 1567148.32 | 1968424.48 | Per asset documents |
| OBX2025J3222 | Qualifying Total Debt Income Ratio | 37.81 | 38 | Rounding |
| OBX2025J3305 | Total Qualified Assets Post-Close | 537055.04 | 748535.76 | Per asset documents |
| OBX2025J3233 | Total Qualified Assets Post-Close | 175046.49 | 326600.23 | Confirmed with system calculations. |
| OBX2025J3280 | Borrower 2 Self-Employment Flag | Yes | No | B2 has some self employed income. |
| OBX2025J3280 | Total Qualified Assets Post-Close | 148516.19 | 485159.03 | <br> Confirmed with system calculations. |
| OBX2025J3280 | Qualifying Total Debt Income Ratio | 42.28 | 43.93 | Confirmed |
| OBX2025J3277 | Property Address | XXX | XXX | Per note |
| OBX2025J3277 | Total Qualified Assets Post-Close | 2910023.94 | 2919093.14 | Per asset documents |
| OBX2025J3278 | Qualifying CLTV | 64.3 | 65 | Rounding |
| OBX2025J3278 | Qualifying LTV | 64.3 | 65 | Rounding |
| OBX2025J3278 | Total Qualified Assets Post-Close | 71218.35 | 77857.64 | Per asset documents |
| OBX2025J3281 | Total Qualified Assets Post-Close | 2204982.07 | 2509501.28 | Per asset documents |
| OBX2025J3304 | Qualifying LTV | 65.79 | 66 | Rounding |
| OBX2025J3304 | Qualifying CLTV | 65.79 | 66 | Rounding |
| OBX2025J3304 | Total Qualified Assets Post-Close | 105030.18 | 526277.35 | Per asset document |
| OBX2025J3304 | Qualifying Total Debt Income Ratio | 47.46 | 47.45 | The lender qualified loan with a lower monthly payment of $XXX vs. the actual payment (XXX% of balance) of $XXX. The adjustment ment resulted in a slight variance. |
| OBX2025J3275 | Qualifying FICO | 812 | 0 | Confirmed with credit report. |
| OBX2025J3257 | Property Address | XXX | XXX | Caps |
| OBX2025J3257 | Qualifying LTV | 74.42 | 75 | Difference due to rounding. |
| OBX2025J3257 | Qualifying CLTV | 74.42 | 75 | Difference due to rounding. |
| OBX2025J3257 | Total Monthly Property Insurance Amount | 337.56 | 337.57 | Difference due to rounding. |
| OBX2025J3260 | Total Qualified Assets Post-Close | 175191.54 | 475039.32 |  |
| OBX2025J3260 | Qualifying Total Debt Income Ratio | 36.89 | 35.38 |  |
| OBX2025J3265 | Total Qualified Assets Post-Close | 414820.18 | 1059697.86 | Per asset documents |
| OBX2025J3236 | Property Address | XXX | XXX | Caps |
| OBX2025J3236 | Total Qualified Assets Post-Close | 1424584.8 | 1829832.29 | Confirmed with system calculation. |
| OBX2025J3248 | Qualifying LTV | 62.86 | 63 | Rounding |
| OBX2025J3248 | Qualifying CLTV | 62.86 | 63 | Rounding |
| OBX2025J3248 | Total Monthly Property Insurance Amount | 226.83 | 226.84 | Rounding |
| OBX2025J3248 | Total Qualified Assets Post-Close | 147539.09 | 170548.82 | Per asset documents |
| OBX2025J3001 | Property_Address | XXX | XXX | FALSE |
| OBX2025J3001 | Property_City | XXX | XXX | FALSE |
| OBX2025J3001 | Property_State | CT | NJ | FALSE |
| OBX2025J3001 | Property_Zip | XXX | XXX | FALSE |
| OBX2025J3002 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |

---

## Exhibit 99.09

**Exhibit 99.09**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| OBX2025J3004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/28/2025 | Acknowledged | XXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI exception. Maximum for the program is XXX%. Lock date is XX/XX/XXXX so guidelines reviewed are from XX/XX/XXXX | XX/XX/XXXX - XXX: Please see attached. The guidelines were recently updated on XX/XX/XXXX, and the max DTI for XXX is XXX%. | 04/15/2025 | XXX approved DTI - downgrade to B Grade; Audit reviewed Lender's response and has determined the lock date is XX/XX/XXXX, which is prior to the new guideline date of XX/XX/XXXX; therefore, the guideline dated XX/XX/XXXX is used for the subject transaction, which reflects a maximum DTI of XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI exception. Maximum for the program is XXX%. Lock date is XX/XX/XXXX so guidelines reviewed are from XX/XX/XXXX | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| OBX2025J3004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Due Diligence firm to complete. Condition for informational purposes only. Additional conditions may apply.  |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Due Diligence firm to complete. Condition for informational purposes only. Additional conditions may apply.  | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D C A |
| OBX2025J3004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/28/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA on the property at XXX or letter from the borrower stating no HOA for the property. | XX/XX/XXXX - XXX: Please see the attached property detail report. This is a commercial property and there is no evidence of HOA dues being applicable. | 04/01/2025 | Lender provided a property search for property XXX, which is the same property as XXX. Audit property search supports property does not have HOA fees. In addition, the schedule E does not reflect property has HOA fees. Condition cleared. | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide title update to show $XXX | XX/XX/XXXX XXX: attached | 07/09/2025 | Lender provided Title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide title update to show $XXX | 07/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | XXX - see attached confirmation of appraisal delivery from broker ; XXX XX/XX/XXXX Please see attached; XXX XX/XX/XXXX Please see attached | 07/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Lender provided copy of appraisal; however, did not provide verification of Borrower's receipt of appraisal. Condition retained.; Material Finding; Lender provided appraisal acknowledgement; however. did not provide verification of Borrower's receipt of appraisal. Condition retained.; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). The document provided indicates that the borrower either received or chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower received the appraisal at or prior to consummation if they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Post close CD verifies the disbursement date moved up from XX/XX/XXXX to XX/XX/XXXX. Missing evidence of insurance coverage as of XX/XX/XXXX or an LOX from insurer verifying no claims have been filed or a property inspection report. | XX/XX/XXXX XXX: Please see that the insurance policy was in effect at the time of closing on XX/XX/XXXX | 04/16/2025 | Lender provided hazard insurance with effective date of XX/XX/XXXX - XX/XX/XXXX. Condition cleared.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided.; Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. The Post close CD verifies the disbursement date moved up from XX/XX/XXXX to XX/XX/XXXX. Missing evidence of insurance coverage as of XX/XX/XXXX or an LOX from insurer verifying no claims have been filed or a property inspection report. | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 04/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing tax certificate and insurance policy for the properties at XXX, XXX., and XXX. Please provide tax certificate and insurance policies for the properties stated above.<br> Missing HOA statement for the properties at XXX, XXX., and XXX. If not applicable, a LOE stating there are no HOA dues is required. | Docs; See upload | 06/05/2025 | Audit reviewed Lender's response and has determined REO properties XXX, XXX., and XXX are commercial properties. The lease agreements in file reflects taxes and insurance are the responsibility of the renters. The schedule E verifies no HOA fees associated with properties. Condition cleared.; Borrower 1 Credit Report is not partially present.; Audit reviewed Lender's response and has determined documentation was not provided for review. Condition retained. | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing Mortgage Payment History for the properties at XXX, XXX., and XXX. Per AUS #XXX, Verify the payment history for the mortgage(s). If the mortgage is currently XXX days or more past due, or has been XXX days or more past due in the last XXX months, the loan casefile is ineligible for delivery to XXX. Please provide VOM or credit supplement reflecting the payment history for the properties stated above. | See Uploads; See upload | 06/05/2025 | Lender provided mortgage payment history for REO properties. Condition cleared.; Housing History Meets Guideline Requirements; Audit reviewed Lender's response and has determined documentation was not provided for review. Condition retained. | 06/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | XXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The DTI increased from XXX%to XXX%, due to the rental income of the property at XXX was miscalculated. The tax payment of $XXX was not included in the rental income calculation resulting to the rental income decreased from $XXX to $XXX. The DTI of XXX% exceeds XXX AUS Credit Guidelines. | LOX | 05/30/2025 | Audit reviewed Lender's response and has determined property XXX is commercial property per the schedule E. In addition, the schedule E reflects the taxes were not included in the income schedule. Audit re-calculated income results in a DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX% and client overlay maximum of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 06/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 04/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; HMDA review completed, no Level 3 findings noted, condition cleared. | 05/03/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 05/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX XX/XX/XXXX Disagree - on XX/XX/XXXX the UW conditioned for desk review and the broker submitted a Change in Circumstance to increase the fee to $XXX. A redisclosure went out to the borrower to redisclosure the increase of the Appraisal 2 fee. Tolerance owed to borrower after the $XXX given at closing is $XXX. Please review the attached documents and agree to the amount of $XXX tolerance XXX owed to the borrower and we wiXXX proceed with the cure. | 06/18/2025 | Lender provided valid COC and re-disclosed CD dated XX/XX/XXXX for increase in appraisal fee, which was due to a requirement for an additional appraisal product. Condition cleared.; Lender provided valid COC and re-disclosed CD dated XX/XX/XXXX for increase in appraisal fee, which was due to a requirement for an additional appraisal product. Condition cleared.; TILA 130b Cure Required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of Refund check , and Proof or Delivery or Valid COC. The tolerance is due to increased Appraisal 2 Fee from $XXX, to $ XXX and the addition of the Appraisal 3 Fee of $XXX on the CD dated XX/XX/XXXX without a valid COC in file for the increase or addition. Lender Credit cure of $XXX applied was not sufficient to cure total increase. Please provide a valid COC or cure package. | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing proof of payoffs of debt listed on LP approval that are suppose to be paid off prior to close. the following accounts require proof that they are paid off: XXX(I see a number of documents in the file re: XXX but not proof of payoff.)XXX loan account ending in XXXXXX account ending in XXX. Additional conditions may apply. | XX/XX/XXXX XXX: If we include the JPM debt back into the ratios are we able to proceed with the loan being cleared. The DTI would be right at XXX%; XX/XX/XXXX XXX: Please see attached copy of XXX pay off and check ; XX/XX/XXXX XXX: There is no source of funds for the XXX due to the car being turned in and paid off. For the XXX ending in XXX please see attached copy of the check; XX/XX/XXXX XXX: Please see attached docs that show these debts were paid in XXX prior to closing | 06/16/2025 | Audit reviewed Lender's response and has determined including the monthly payment for the XXX account that was not paid off into the total liabilities results in a DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX% and maximum overlay of XXX%. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided copy of XXX Payoff of the XXX account. Please provide documentation to verify XXX account ending in XXX is paid in full to meet AUS requirements. Condition retained.; Lender provided verification XXX account ending in XXX is paid n full and indicated there is no source for the payoff of XXX. Please provide documentation to verify the XXX account is paid in full and has a XXX balance and provide documentation to verify XXX account ending in XXX is paid in full to meet AUS requirements. Condition retained. ; Lender provided the payoff for the Installment loan ending in XXX for XXX; however, did not provide verification the account was paid in full. In addition, Lender provided account loan report for XXX ending in XXX verifying account is paid in full and provided a XXX statement for account ending in XXX reflecting account was paid off with a XXX balance. Please provide documentation to verify the Installment ending in XXX with XXX is paid in full and provide documentation to verify XXX account ending in XXX is paid in full to meet AUS requirements. Condition retained. | 06/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1. Missing verification of taxes and insurance for XXX and XXX. Statement don't breakdown tax and insurance requires statements to confirm calculations. 2. Missing HOA or statement from borrower that there is no HOA for all of the listed properties on the 1003 with the exception of XXX. (6 of 7 properties) | XX/XX/XXXX XXX: Please see attached docs ; XX/XX/XXXX XXX: Please see attached property profile reports that show the tax amounts for XXX and XXX. Sine the monthly tax amount is less than the escrow amount we can assume that the taxes and insurance are escrowed. | 05/13/2025 | Lender provided LOE from Borrower indicating there are only 2 properties with HOA fees, XXX and XXX, all other properties do not have HOA fees. In addition, HOA documentation for the 2 properties was provided. Condition cleared. ; Lender provided property property profile report for property XXX and XXX. It could be determined escrows include both taxes and insurance. please provide verification of HOA fees for all REO property with the exception of XXX. (6 of 7 properties). Condition retained. | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A |
| OBX2025J3020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | XX/XX/XXXX XXX please see attached final title policy, please clear thank you | 07/11/2025 | Lender provided Title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | Flood Insurance Effective Date is after the Disbursement Date | Flood Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX Confirmed date are correct. Lender to provide updated flood insurance t show in force at or on closing date. | XX/XX/XXXX XXX: See attached with correct dates | 06/06/2025 | Lender provided Flood Insurance with effective date of XX/XX/XXXX. Condition cleared.; Flood Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Flood Insurance Effective Date Is Not Provided | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert Missing proof of taxes. | XX/XX/XXXX XXX: Tax Certification was included with title, see attached | 05/30/2025 | Lender provided Tax Certification from title company verifying property taxes. Condition cleared.; Property Tax Cert Provided | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | XXX XX/XX/XXXX Please see attached Attestation Letter. The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees. | 06/02/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached. | 06/03/2025 | Lender provided property detail report through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Provide updated title with minimum $XXX in coverage. | please see attached doc XXX XX/XX/XXXX | 06/16/2025 | Lender provided updated Title Commitment. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130B cure required. Refund in the amount of $XXX, cure package requires a PCCD, LOE, Copy of refund Check and Proof of Delivery or Valid COC. Tolerance is due to the additional of Appraisal fee 2 on CD XX/XX/XXXX. COC in file dated XX/XX/XXXX did not include an expalnation for the addition of the fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX XX/XX/XXXX Desktop Review Fee disclosed on the LE and the Appraisal 2 Fee disclosed on the final CD are synonymous fees. | 06/03/2025 | Audit reviewed Lender's response and has determined the Appraisal Fee 2 was disclosed on the initial LE as Desk Review Fee. In addition, the appraisal invoice for the $XXX was dated XX/XX/XXXX, which was disclosed on the CD dated XX/XX/XXXX. Condition cleared.; Audit reviewed Lender's response and has determined the Appraisal Fee 2 was disclosed on the initial LE as Desk Review Fee. In addition, the appraisal invoice for the $XXX was dated XX/XX/XXXX, which was disclosed on the CD dated XX/XX/XXXX. Condition cleared. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide and confirm income with current documentation. File contains a preliminary contract from "XXX" for a salary of $XXX/mo but no documentation or explanation was provided for that amount. Final 1003 shows current job as XXX with income verified of $XXX/mo. Final 1003 also lists a 2nd job but doesn't give income. Docs in file verify $XXX/mo for XXX.. Total income actually verified is $XXX/mo. Are these jobs under the umbrella of XXX? Please provide satisfactory detailed explanation and current income documentation to confirm $XXX/mo. Additional conditions may apply. | see explanation from borrower concerning dates and copy of contract for new employment | 06/12/2025 | Condition resolved as we have received explanation and employment contract verifying the $XXX monthly income. | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Final 1003 shows a XXX account ending in XXX that doesn't appear on the credit report. Will need supplement to confirm payment amt, balance and high credit. Additional conditions may apply. | XX/XX/XXXX XXX: There was initially XXX borrowers on this loan. XXX was removed from the loan and this was a debt in her name that did not get removed from XXX system by mistake. The initial loan application shows XXX as part of the transaction and the final loan app shows she was no longer part of the transaction. | 06/03/2025 | Audit reviewed Lender's response and has determined the documentation in file supports Lender's rebuttal indicating the XXX debt ending in XXX was for the initial Borrower on the loan, which was removed prior to closing and the debt was not removed in error prior to consummation. In addition the loan still qualified with the debt. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| OBX2025J3063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached | 06/03/2025 | Lender provided property detail report through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| OBX2025J3056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 05/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title showing the minimum of the loan amount of $XXX | please see attached doc XXX XX/XX/XXXX | 08/12/2025 | Lender provided Title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Lender to provide proof of hazard insurance before or on the closing date of XX/XX/XXXX | XX/XX/XXXX XXX: See attached previous policy | 07/16/2025 | Lender provided previous hazard insurance policy with effective dates of XX/XX/XXXX - XX/XX/XXXX. Condition cleared.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cure Required: Right to cancel was signed by the borrower on XX/XX/XXXX with a midnight date of XX/XX/XXXX. Disbursement occurred on XX/XX/XXXX Therefore, borrower did not receive XXX days to cancel. <br>In order to cure rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required. | XXX XX/XX/XXXX Please see the attached Letter of Explanation, Right to Cancel, Closing Disclosure, and proof of delivery. | 07/01/2025 | Lender provided updated Right to Cancel form, reopening Right of Rescission and giving Borrower an additional XXX days Right of Rescission. Condition cleared. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide updated XXX statement for income($XXX/mo) and partial assets.(Used $XXX in assets) Statement in file is out dated with XX/XX/XXXX statement date. Additional conditions may apply. | XXX; Income docs | 06/13/2025 | Audit reviewed Lender's response and XXX annual statement and letter from Financial Advisor. The XXX statement is an annual statement; therefore, the statement provided is the most current statement available. In addition, the LOE from the Financial Advisor confirms the current balance and is dated within XXX days of the Note date. Condition cleared.; Income and Employment Meet Guidelines; Lender provided an unsigned LOE from XXX Advisors and XXX statement; however, the statement is dated XX/XX/XXXX, which is greater than XXX days prior to the Note date of XX/XX/XXXX. Please provide statement dated within XXX days of the Note date. Condition retained. | 06/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1. Missing proof of tax, insurance and maintenance fees for XXX property. 2. Missing Proof of taxes and insurance for XXX. property. Additional conditions may apply. | XXX docs; XXX docs | 06/13/2025 | Lender provided documentation for the XXX. property. Condition cleared.; Lender provided documentation for XXX property. Please provide documentation to verify taxes and insurance for XXX. property. Condition retained. | 06/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Missing proof of appraisal delivery to borrower at least XXX days prior to closing. | XXX XX/XX/XXXX: Please see the attached Appraisal Delivery | 06/05/2025 | Lender provided verification of date the appraisal was provided to the Borrower. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 06/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | XXX XX/XX/XXXX Please see attached ABD Attestation Letter; GL - There is no affiliated business disclosures for XXX because they are not affiliated with any other payees on this transaction. ABA disclosure was not required. The one previously provided is the real estate agents document. ; XXX XX/XX/XXXX Please see attached Affiliated Business Disclosure; XX/XX/XXXX - XXX: Please see attached. | 07/22/2025 | Attestation of no affiliates provided. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Audit reviewed Lender's response, please provide attestation of no affiliates on Lender's letterhead. Condition retained.; Lender provided an Affiliated Business Disclosure; however, it is not for the Lender on the subject transaction. Condition retained.; Lender provided Affiliated Business Disclosure from XXX contract; however, did not provide the Affiliated Business Disclosure for Lender or attestation of no affiliates on Lender's letterhead. Condition retained.; Material Finding | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing proof of self employment for B1. (2nd income is from self employment as a Financial Advisor) Lender to provide license. | XX/XX/XXXX - XXX: the borrower is an independent contractor for XXX and files their income via Schedule C. XXX Verbal Verification of Employment department verified the borrower is active as of XX/XX/XXXX. Please see attached, | 06/09/2025 | Lender provided VVOE dated within XXX business days of the Note date for Borrower's XXX employment. Borrower is a 1099 employee and claims income under schedule C. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 06/11/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Lender to provide Property Profile Report as proof that the property at XXX is XXX as stated on the Final 1003. Additional conditions may apply. | RELEASE OF LIEN; OPEN LIEN REPORT ; HOI DEC PAGE XXX PAGES; LOE AND HOI DEC PG - NO MORTGAGEE LISTED | 07/30/2025 | Lender provided release of lien for mortgage Affiliated Mortgage and provided Warranty Deed verifying property was sold by Borrower the same month as the subject property. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided Open Lien Report reflecting 2 mortgages on property XXX. The credit report reflects the XXX HELOC has a XXX balance. The final 1003 reflects monthly Insurance, Taxes and Association Dues of $XXX was calculated for property; however, the documentation in file only supports XXX of $XXX. It appears a mortgage payment was included in the calculation and documentation to verify the mortgage payment was not found in file. Please provide documentation to verify the Affiliated Mortgage with loan amount of $XXX opened XX/XX/XXXX has been paid in full or provide documentation to verify mortgage payment and mortgage history. Condition retained. ; Lender provided HOI, which is not sufficient to verify property is owned XXX. Please provide documentation such as a property profile report, verifying no liens on property. Condition retained.; HOI documentation provided is missing PG XXX. Condition remains. | 08/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing lenders Desk Review(CDA). | COLLATERAL DESKTOP ANALYSIS | 06/17/2025 | CDA dated XX/XX/XXXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | 07/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the addition of the Second Appraisal Fee on the revised LE dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for the fee addition. Please provide a valid COC or cure package. | REFUND DOCS AND PCCD | 06/18/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 06/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Short reserves due to overlays. DU approval shows additional accounts(XXX business accts) that were not provided in the file.(CPA letter in file states borrower has full access with no issue) In addition there is only mo stmts for the two XXX accounts that were provided. Lender to provide one additional month of statements(Consecutive) for the XXX accounts as it is required by the approval. Any large deposits should be addressed. Additional conditions may apply. | RECEIPT FOR XXX DEPOSIT; BANK STATEMENTS XXX AND XXX | 06/18/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. Lender provided receipt for sale of XXX in the amount of $XXX, sourcing the large deposit. Condition cleared.; Audit reviewed Lenders response, however; Please provide documentation verifying the large deposit of $XXX acct# XXX on XX/XX/XXXX. Condition remains. | 06/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | XXX | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing ULI in file. Please provide ULI. | 1003 with ULI | 06/12/2025 | Lender provided ULI. Condition cleared. | 06/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation. | appraisal delivery to borrower | 06/12/2025 | Lender provided Evidence of appraisal delivery. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding; Material Finding | 06/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing business tax returns for XXX businesses.(XXX business returns are in file.)Please refer to DU approval for number of years required and also note first page of all XXX business returns were provided. Also refer to Final 1003. 1084 or similar calculation worksheets were not provided except for XXX and they are required by the DU approval for every business. Also need XXX K1.(This company is under XXX% but has a loss and XXX K1 is required or extension. Loan is subject to further and complete review. | TAX RETURNS AND CASH FLOWS - XXX TOTAL | 06/17/2025 | Lender provided Business Returns. Condition cleared.; Income and Employment Meet Guidelines | 06/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Rescinded | XXX | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. |  |  | Other finding added. COndition rescinded. | 06/18/2025 | C B A |
| OBX2025J3065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | XXX | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than AUS Required Reserves of $XXX Assets were short for reserves due to use of XXX account ending in XXX using balance from XXX stmt when XXX stmt is in file with considerably less balance. Lender to provide sufficient funds to meet reserves. Additional conditions may apply. | LOE from UW for reserves, XXX, DU Findings and updated LT | 06/12/2025 | Condition resolved as we have received evidence of the XXX account statement XXX that meets guidelines.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX; Audited Reserves of $XXX are less than AUS Required Reserves of $XXX | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided Lender to rerun DU approval with corrected income of $XXX/mo for XXX net income. Lender did not include Line 5 in it's calculations and there was no CPA letter stating circumstances to remove it. DTI will still be within overlays however it is not within our XXX% variance to avoid a rerun. Additional conditions may apply. | XXX and XXX statements for reserves | 06/12/2025 | Condition resolved as we have received evidence that line five is a recurring amount and can be excluded.; AUS is not incomplete; AUS Partially Provided | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title work with sufficient title coverage to meet loan amount. | ALTA policy | 06/12/2025 | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX. received updated title.; Material Finding; Material Finding | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Cured | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The Lender credit tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX. No COC was provided. | XXX XX/XX/XXXX Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. | 06/23/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 06/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title coverage sufficient to cover loan amount. |  |  | Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 08/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 06/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. Please provide the XXX statement for account ending in XXX to support the balance of $XXX. The transaction summary on page XXX reflects a balance of $XXX. The file does not include documentation to support the higher balance. | XX/XX/XXXX XXX: Please see attached final CD that shows the borrower received a higher amount of net proceeds in the amount of $XXX. With the higher amount the borrower does have enough funds to cover the cash to close. | 07/01/2025 | Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. Lender provided final settlement statement for sale of departing residence reflecting net proceeds of $XXX. Asset documentation is sufficient for cash to close and reserves. Condition cleared. | 07/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation Required missing Initial Closing Disclosure and proof of receipt issued XXX business days prior to consummation dated XX/XX/XXXX | ICD attached | 06/17/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. Initial CD is missing from file and providing Initial CD may clear tolerance violation. |  |  | Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Rescinded | XXX | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XX/XX/XXXX - Thank you. Please clear the exception. | 07/03/2025 | Finding is not applicable on scope. Condition rescinded.; Material Finding | 07/07/2025 | C A |
| OBX2025J3036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide updated title with sufficient title coverage for loan amt. | please see attached doc XXX XX/XX/XXXX | 06/19/2025 | Lender provided Title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 06/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA on all XXX properties. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see attached. There is no indication of any property being a XXX or XXX and having applicable HOA dues. | 06/17/2025 | Audit reviewed Lenders response and re-reviewed file. Condition rescinded. | 06/18/2025 | C A |
| OBX2025J3036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b cure required:<br> Refund in the amount of $XXX<br> The XXX tolerance violation in the amount of $XXX is due to the addition of the 2nd Appraisal fee from the LE to CD; Need evidence of a valid COC, PCCD or proof of refund check to the borrower in the amount of $XXX. | XXX XX/XX/XXXX Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. | 07/31/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 08/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | XX/XX/XXXX XXX- see attached | 06/20/2025 | Lender provided Title Policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 06/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | Audited Reserves are less than AUS Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than AUS Required Reserves of XXX month(s) Account listed on the 1003 for account ending #XXX shows a balance of $XXX, however, the most recent statement in the file shows $XXX. Additional conditions may apply. | Here is the XXX Statement ending on XXX. It XXX show the movement of money from the XXX accounts XXX statements in file and the included XXX statement that is not in file.; XXX showing $XXX. | 06/30/2025 | Audited Reserves of XXX month(s) are greater than or equal to AUS Required Reserves of XXX month(s) Lender provided updated bank statement ending in #XXX dated post closing, reflecting the $XXX and $XXX withdrawals from account #XXX were transferred to Borrower's account #XXX. Condition cleared.; Audited Reserves of XXX month(s) are less than AUS Required Reserves of XXX month(s); Lender provided XXX statement dated XX/XX/XXXX; however, the most current statement in file dated XX/XX/XXXX shows a balance of $XXX. There are 2 withdrawals on the XX/XX/XXXX statement of $XXX and $XXX affecting the balance. Please provide documentation to verify the withdrawal of $XXX was deposited into Borrower's bank account to verify Borrower had sufficient funds for closing and reserves. Condition retained. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of 2nd Credit report fee. | XXX XX/XX/XXXX Please see attached Letter of Explanation, Refund Check, Post-Closed Closing Disclosure, Proof of Delivery. | 07/31/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 08/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/15/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation Required missing Initial Closing Disclosure and proof of receipt issued XXX business days prior to consummation dated XX/XX/XXXX | XX/XX/XXXX: Please see the attached CD | 06/18/2025 | Lender provided initial CD. condition cleared.; Lender provided initial CD. condition cleared. | 06/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Rescinded | XXX | Credit | Borrower 1 Personal Tax Returns Less Than 24 Months Provided | Borrower 1 Personal Tax Returns Less Than XXX Months Provided XXX Personal returns are required for calculation of income/loss from XXX per DU approval. Only XXX personal return was provided. Additional conditions may apply. | XX/XX/XXXX - XXX: The XXX tax returns are not required due to self-employment income from XXX not being considered for qualification. The monthly self-employment loss of $XXX which reflected on Schedule E of the XXX returns was accounted for. | 06/17/2025 | Audit reviewed Lenders response and re-reviewed file. Condition rescinded. | 06/18/2025 | C A |
| OBX2025J3068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see attached. There is no active HOA for this property. | 06/18/2025 | Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the property located at XXX. XXX screenshot is not acceptable for HOA documentation.<br> Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached property detail report confirming XXX is a XXX. There is no indication of this property being a XXX or XXX with HOA dues. | 06/18/2025 | Lender provided property detail report for property XXX reflecting property as an XXX. Audit property search supports property does not have HOA fees. Condition cleared.; Borrower 2 Credit Report is not partially present. | 07/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Rescinded | XXX | Property | Appraisal is Expired | Primary Value Appraisal is Expired |  |  | Recert in file dtd XX/XX/XXXX - condition invalid | 07/14/2025 | C A |
| OBX2025J3032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Rescinded | XXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Mistake - Rescind | 06/18/2025 | C A |
| OBX2025J3147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Appraisal delivery | 06/18/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. 1) Missing HOA statement for the property located at XXX. 1003 has $XXX, however the fraud report shows $XXX XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. 2) The following account was excluded from the underwriting calculations. Please provide documentation for this omission: XXX Bank with a balance of $XXX and a payment of $XXX a month. Additional conditions may apply. | XX/XX/XXXX - XXX: 1.) Please see the attached statement confirming monthly HOA dues of $XXX 2.) Please see the attached documentation confirming a $XXX balance and the source of funds. | 06/19/2025 | Lender provided HOA fees for XXX verifying HOA fees of $XXXand statement for XXX reflecting a XXX balance on account. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount is not listed on the policy. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | XX/XX/XXXX XXX-see attached | 07/02/2025 | Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: Attached XXX documentation indicates no HOA for XXX XXX | 06/23/2025 | Lender provided property search through XXX for properties XXX reflecting properties do not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID. | patriot act | 06/20/2025 | XXX Patriot Act Disclosure or ID provided. Lender provided completed Patriot Act disclosure. Condition cleared. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J3091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide sufficient coverage for the loan amount. | title Supplement | 06/24/2025 | Lender provided Title Supplement to the title commitment reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present Per title, the subject property is held as a leasehold. Please provide verification of leasehold terms.<br> Note: The appraisal in file state the subject property is held as a fee simple. | XX/XX/XXXX XXX: Please see attached title commitment that shows Fee Simple.; XX/XX/XXXX XXX- see attached | 07/10/2025 | Lender provided corrected title reflecting property as Fee Simple. Condition cleared.; Title Document is fully Present | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The mortgage statement for the property at XXX states escrow, but does not indicate what items are escrowed. Please provide tax certificate and insurance policy.<br> Missing HOA Statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: Please see attached document that shows no HOA amount is associated with the REO. Please also see the tax amount that shows the amount is lower than the escrow amount on the statement so we can assume that both taxes and insurance are escrowed. | 06/23/2025 | Lender provided property search through XXX for property XXX reflects property taxes and no HOA fees for property. It could be determined the escrows included both taxes and insurance. In addition, audit property search supports property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Property | Second Appraisal is Missing | Second Appraisal Is Required and is Missing. Missing second appraisal. The subject loan amount is $XXX which is more than $XXX and requires a second appraisal. | XX/XX/XXXX XXX: Please see both copies of the appraisal | 06/23/2025 | Lender provided secondary appraisal. Condition cleared.; Second Appraisal Is provided. | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Fee (a'ddl report), from $XXX to $XXX for the Credit Report Fee and the addition of the Verification of Employment fee for $XXX on CD XX/XX/XXXX. There is a COC in file dated XX/XX/XXXX, however it contains no information and was not acceptable. A cure of $XXX was included on the final CD, however was not applied, remaining cure required $XXX | Please see attached LE which discloses an in increase in the VOE fee to $XXX, and although this is not sufficient to cover the entire $XXX VOE fee that was charged at close, it seems that the $XXX cure given at closing would cover this increase as weXXX as the $XXX increase in the credit report fee ; COC attached | 07/07/2025 | Lender provided valid COC and re-disclosed LE dated XX/XX/XXXX for increase in verification fee from $XXX on initial LE to $XXX on re-disclosed LE. The final CD reflects a sufficient cure of $XXX for the increase in VOE fee from $XXX on re-disclosed LE to $XXX on final CD for a variance of $XXX and increase in credit report fee from $XXX on initial LE to $XXX on final CD for a variance of $XXX. Total variance was $XXX; therefore, the Lender credit of $XXX for increase in closing costs above legal limit was sufficient. Condition cleared.; Lender provided valid COC and re-disclosed LE dated XX/XX/XXXX for increase in verification fee from $XXX on initial LE to $XXX on re-disclosed LE. The final CD reflects a sufficient cure of $XXX for the increase in VOE fee from $XXX on re-disclosed LE to $XXX on final CD for a variance of $XXX and increase in credit report fee from $XXX on initial LE to $XXX on final CD for a variance of $XXX. Total variance was $XXX; therefore, the Lender credit of $XXX for increase in closing costs above legal limit was sufficient. Condition cleared.; Lender provided valid COC for increase in appraisal fee, which was due to complexity of appraisal and provided re-disclosed LE dated XX/XX/XXXX. The final CD reflects an insufficient Lender credit of $XXX for increase in Verification of Employment fee from $XXX on initial LE to $XXX on final CD and credit report fee increase from $XXX on initial LE to $XXX on the final CD, for a total variance of $XXX. An additional $XXX cure required or valid COC for increase in fees. Condition retained. | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File is missing the verbal verification of employment within XXX days of loan closing for the Borrower. Lenders also have the option obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to XXX), but when using this option must ensure compliance with the Selling Guide. | VOE Attached | 07/01/2025 | Lender provided VVOE dated post closing, which meets AUS and FNMA requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 06/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing evidence of the ULI number required per HMDA. | 1003 with XXX ULI | 06/24/2025 | Lender provided valid ULI of XXX. Condition cleared. | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/22/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The properties at XXX XXX insurance policies does not reflect the annual premium. Please provide insurance policy for the properties stated above reflecting the annual premium. | HOI for both REO properties | 06/24/2025 | Lender provided HOI for properties XXX, reflecting annual premiums. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/25/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing proof that the property at XXX is XXX. Provide property profile or other document confirming it is XXX. Additional conditions may apply. | XX/XX/XXXX XXX: See attached, borrower no longer owns this property.; XX/XX/XXXX XXX: XXX mortgagee section from the insurer is sufficient documentation to evidence XXX. A creditor would not lend to the borrowers without requiring being a mortgagee on the property.; XX/XX/XXXX XXX: See attached, insurance agent confirmed there is no mortgagee on the property which is sufficient evidence the property is XXX | 07/02/2025 | Lender provided Data Tree for property XXX reflecting property is no longer owned by Borrower. Audit property search supports property was sold within 2 weeks of the subject transaction. The hazard insurance does not reflect a mortgage lien and credit report does not reflect any additional mortgages not assigned by properties on the 1003, both supporting property did not have a mortgage lien. Condition cleared.; Borrower 1 Credit Report is not partially present.; Audit reviewed Lender's response and has determined insurance is not sufficient to verify property does not have open liens. Please provide documentation such as a property detail report to verify property is owned XXX. Condition retained.; Lender provided correspondence from insurance company indicating there is not mortgagee on insurance. This is not sufficient to verify property is owned XXX. Please provide documentation such as a property detail report verifying no open liens on property. Condition retained. | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Document Required: Missing affiliated business from the file | XXX I apologize that it did not send correctly. Please see attached Attestation from XXX stating that they are not affiliated.; XXX XX/XX/XXXX Please see attached Attestation from XXX stating that they are not affiliated. | 07/09/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Audit reviewed Lender's response; however, the documentation provided did not download correctly. Please reupload the documentation. Condition retained.; Material Finding | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing mortgage statement for the property at XXX. to ensure that taxes and insurance are escrowed in the mortgage payment. | XX/XX/XXXX - XXX: Please see the attached mortgage statement and tax XXX for XXX confirming both taxes and insurance being escrowed. | 06/30/2025 | Lender provided mortgage statement and tax certification for property XXX verifying mortgage includes taxes for both taxes and insurance. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The borrower owns an XXX located at XXX. The P&I payment of $XXX was confirmed via the credit report. However, we are unable to verify if property taxes and homeowners insurances are escrowed. Additionally, the monthly expense of $XXX shown on the final application could not be validated. Please provide documentation confirming whether the $XXX payment includes escrow, and clarify the source of the $XXX expense. | Please see attached that was in the file and labeled as "XXX (XXX)".<br>Mortgage statement shows it was escrowed. Taxes and HOI show that escrows are sufficient to cover both expenses and then some. HOA Dues for standard HOA and Master HOA. Annual dues of $XXX and $XXX for a total of $XXX / XXX = $XXX. | 07/02/2025 | Lender provided mortgage statement reflecting escrows for taxes and insurance were included in payment. In addition, Lender provided verification of HOA fee in the amount of $XXX per month. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of $XXX is insufficient, not meeting the required coverage amount of $XXX. | XX/XX/XXXX XXX: The subject property is located in XXX which prohibits lenders from asking for an RCE. A checklist of coverage was provided which confirms the loss settlement basis is the replacement cost. This means the dwelling coverage fully covers the replacement cost. This documentation is acceptable in place of an RCE. | 06/27/2025 | Lender provided Checklist of Coverage. In the state of XXX, Lender cannot request RCE from insurance agents. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Rescinded | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | Per XXX there were no HOA items present for this property hence we did not need to get a miscellaneous letter. | 06/27/2025 | Borrower 1 Credit Report is not partially present. Audit reviewed Lender's response and has determined the XXX in file reflects property XXX does not have HOA fees. Condition cleared. | 07/01/2025 | C A |
| OBX2025J3088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing no HOA dues on this property | 06/26/2025 | Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared. | 07/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of a CD issued and received XXX business days prior to consummation dated XX/XX/XXXX in the loan file. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. | XX/XX/XXXX: Please see the attached CD | 06/27/2025 | Lender provided Initial CD. Condition cleared.; Lender provided Initial CD. Condition cleared. | 07/01/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | CDA required per XXX GLs - Lender to provide | CDA; CDA | 07/09/2025 | CDA received - within tolerance - condition cleared.; Third party valuation product provided within tolerance.; Lender provided verification the CDA was ordered. Please provide copy of CDA supporting appraisal value within XXX% variance. Condition retained. | 07/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing the ULI number from the lender. | UXXX # | 06/30/2025 | Lender provided valid ULI of XXX. Condition cleared. | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. This is a required document. | XXX XX/XX/XXXX Please see attached XXX Patriot Act Disclosure and Personal ID | 07/16/2025 | Lender provided completed Patriot Act disclosure. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Material Finding | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Missing Patriot Act disclosure for B2. | XXX Form; XXX Disclosure | 07/08/2025 | Lender provided completed Patriot Act form for both Borrowers. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Lender provided Patriot Act disclosure; however, did not provide the completed Patriot Act form reflecting the documentation used to identify Borrower 2. Condition retained.; Material Finding | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Econsent | 07/02/2025 | Lender provided verification of Borrowers' eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Finding | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of taxes, insurance and HOA if applicable for the property at XXX. Additional conditions may apply. | Prop Docs | 07/02/2025 | Lender provided mortgage statement, taxes, hoi and HOA fees for property XXX. Condition cleared. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABD is missing from the loan file. Showing evidence that the borrower received the ABD within XXX business days of application, XX/XX/XXXX, may cure the violation. | XXX XX/XX/XXXX Please see attached Attestation Letter.; XXX XX/XX/XXXX The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees. | 07/02/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Audit reviewed Lender's response. Please provide attestation on Lender's letterhead indicating no affiliates. Condition retained. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided (pg XXX) indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XXX XX/XX/XXXX XXX XX/XX/XXXX Please see the attached Appraisal Package worksheet with proof that both borrowers were sent an Appraisal Package on XX/XX/XXXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XX/XX/XXXX | 07/02/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. Showing evidence that the borrower signed an e-consent at the time of initial disclosures may cure the violation. | XXX XX/XX/XXXX Please see attached e-sign consent | 07/01/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. The eSigned documents consent is missing. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The e-Signed documents consent is missing. Providing evidence showing the borrower signed the e-consent at the time of initial disclosures may cure the violation. | XXX XX/XX/XXXX Please see attached e-sign consent form | 07/01/2025 | Lender provided verification of eConsent. Condition cleared.; Evidence of eConsent is provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at: XXX. Additional conditions may apply. | Please see pg XXX of original delivered credit package for HOA | 07/01/2025 | Audit reviewed Lender's response and has determined verification of HOA fees are in the loan file on page XXX. Condition rescinded. | 07/02/2025 | C A |
| OBX2025J3059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Lender to provide accounting and explanation of all funds to close and completely document it. Unable to fully determine where funds are coming from. There are XXX gift letters in file and an indication of possible XXX gift of $XXX and XXX. which doesn't have a gift letter but wires in file indicate coming from the Giftor. XXX gifts for $XXX a piece are confirmed in the file. $XXX for escrow deposit has been confirmed. Gift for XXX has not been documented. There is conflicting info in the file and so it is required to show exactly where that ALL funds are coming. Post close which is the Final PCCD shows $XXX required to close. Reserves from overlays of $XXX | XX/XX/XXXX XXX: $XXX gift ended up being reduced to $XXX as the XXX amount was not necessary. Guidelines do not require an updated gift letter when reducing gift amount. See attached receipt from title. | 07/07/2025 | Audit reviewed Lender's response and has determined the gift from Borrower's spouse being sent directly to settlement agent at closing decreased from $XXX to $XXX, which does not require an updated gift letter. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: Please see attached document | 07/07/2025 | Lender provided LOE from Borrower, indicating no HOA fees on property. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: please see attached, showing no HOA dues at this REO | 07/07/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Lender's Title insurance. Initial LE shows Lender's title insurance in section B as a Non-shoppable fe. A revised LE was not issued correcting this to a shoppable fee, therefore the fee was tested as XXX% tolerance (non-shoppable). | FSS; LOX PCCD | 07/18/2025 | Lender provided final settlement statement and the PCCD, which both reflect Borrower paid $XXX for title and received a credit of $XXX for the title policy. The final CD in file also reflects Borrower was given a $XXX for title insurance in section L. Condition cleared.; Lender provided a LOE and PCCD; however, the fees do not match the final settlement statement in file. Please provide cure or provide documentation supporting the fees reflected on the PCCD. Condition retained. | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI exception. Lender to rerun DU approval with updated PITIA for retained property of $XXX. Final 1003 didn't show XXX against the property at XXX but did have a monthly debt listed of $XXX/mo. After review of the mortgage statement from XXX, which didn't have tax, ins and HOA, reviewed hazard stmt, tax stmt and Letter stating no HOA and actual PITI is $XXX/mo. since the difference is over our XXX% variance allowed DU will need to be rerun with a new DTI of XXX% | Please provide your calcs | 07/15/2025 | Lender provided the PITIA calculation for property XXX. Audit re-reviewed documentation and debt ratio and has determined audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 07/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Confirmed disbursement date on Final CD and Hazard insurance date as well. Lender to provide hazard insurance prior to or on note date of XX/XX/XXXX | Home Dec Page | 07/10/2025 | Lender provided hazard insurance reflecting effective date of XX/XX/XXXX. Condition cleared.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide title insurance that is sufficient to cover at a minimum the loan amount or provide a replacement document. Additional conditions may apply. | RCE documentation | 07/07/2025 | Lender provided letter from insurance company verifying insurance on subject property includes Option ID for coverage that is XXX% of the replacement cost estimate. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Rescinded | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Two years tax returns are required per DU line 18 for XXX. Additional conditions may apply. | Tax Returns | 07/07/2025 | Lender provided XXX tax returns, which were in the loan file. The income from XXX was not used in qualification; therefore, additional documentation is not required. Condition rescinded.; Income and Employment Meet Guidelines | 07/08/2025 | D A B |
| OBX2025J3141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing File is missing the verification of employment within XXX days of loan closing for the borrower and co borrower for XXX. Lenders also have the option obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to XXX), but when using this option must ensure compliance with the Selling Guide. | VVOE | 07/07/2025 | Lender provided Verification of Business dated within XXX days of the Note date. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File is missing the verification of employment within XXX days of loan closing for the borrower and co borrower for XXX. Lenders also have the option obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to XXX), but when using this option must ensure compliance with the Selling Guide. | VVOE | 07/07/2025 | Lender provided Verification of Business dated within XXX days of the Note date. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | Asset 1 Does Not Meet Guideline Requirements | Asset Record 1 Does Not Meet G/L Requirements. Missing evidence of the sale of the property located at XXX , such as a signed Final CD or signed settlement statement with net proceeds of $XXX. Additional conditions may apply. | CD; CD from sale | 07/07/2025 | Lender provided final CD for sale of property XXX. Condition cleared.; Asset Record 1 Meets G/L Requirements | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | E-Consent | 07/07/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 07/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | The ULI Number on URLA ([ULI]) does NOT Match the ULI Number provided by the Lender (Tape ULI]). Missing evidence of the lenders ULI number. | XX/XX/XXXX XXX: This is a correspondent loan. The loan number on the loan application is the loan number XXX is using as their loan number. | 07/09/2025 | Audit reviewed Lender's response and has determined the loan application on page XXX of the loan file reflects a ULI of XXX, which matches the tape value. Condition cleared. ; Material Finding | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase in Discount Points from $XXX on the initial LE, to $XXX on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | CD with COC attached | 07/09/2025 | Lender provided valid COC for increase in discount points and Initial CD. Valid COC was for rate lock extension. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. Please provide a copy of the initial Closing Disclosure issued and acknowledged by the borrower at least XXX days prior to consummation. |  |  | Lender provided initial Closing Disclosure. Condition cleared. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA | 07/23/2025 | CDA dated XXX with value of $XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared.; Third party valuation product provided within tolerance. | 07/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide sufficient coverage for loan amount or replacement cost document. Additional conditions may apply. | XX/XX/XXXX XXX: RCE attached | 07/09/2025 | Lender provided replacement cost estimate. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | XXX XX/XX/XXXX Please See attached Attestation Letter; XXX XX/XX/XXXX The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees.<br>| 07/17/2025 | Attestation of no affiliates on subject transaction provided. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Audit reviewed Lender's response. Please provide attestation of no affiliates on Lender's letterhead. Condition retained. | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The declaration page has total coverage of $XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply. | XX/XX/XXXX XXX: See attached, insurer confirms the property is insured to XXX% of the insurable value of the improvements. | 07/16/2025 | Lender provided LOE from insurance company verifying insurance coverage is based on replacement cost estimate and includes replacement cost coverage endorsement ID. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower.Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached deed for this REO, showing it is not a XXX and does not have HOA dues | 07/08/2025 | Lender provided mortgage statement for 1st lien indicating not in a XXX. Audit property search supports property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing File is missing the VOE/Business license for XXX. within XXX days of the note. Additional conditions may apply. | voe | 07/10/2025 | Lender provided VVOE and verification of business license dated within XXX business days of the Note date. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Per DU line XXX; Document XXX income using a paystub and a W-2 from the prior year, or using a standard VOE. File is missing a standard voe or paystub. Additional conditions may apply. | paystubs | 07/10/2025 | Lender provided pay stubs. Condition cleared.; Borrower 1 Paystubs Provided | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File is missing a vvoe dated XXX days prior to closing for the borrower. Additional conditions may apply. | voe | 07/10/2025 | Lender provided VVOE dated within XXX business days of the Note date. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. SCIF is missing for the borrower and co borrower. | scif | 07/10/2025 | Lender provided SCIF. Condition cleared.; This Supplemental Consumer Information Form is Present.; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | please see attached doc XXX XX/XX/XXXX | 07/22/2025 | Resolved as we have received the updated title coverage amount. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation Required Missing Counseling Disclosure notice | XXX XX/XX/XXXX Please see attached Disclosure | 07/10/2025 | Lender provided Homeownership Counseling Disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing the mortgage statement in order to determine escrows, or tax and or insurance declaration for the property located at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: attached | 07/09/2025 | Lender provided credit supplement reflecting mortgage for property XXX includes escrows for both taxes and insurance. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Borrower Non-US Citizen Identification Document Missing | XXX Citizen Borrower is missing Identification Document. Missing XXX. Please provide a copy of the borrower's XXX | XXX | 07/10/2025 | Lender provided Borrower's XXX. Condition cleared.; Borrower Identification Document provided. | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | please see attached doc XXX XX/XX/XXXX | 07/16/2025 | Lender provided Title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower.Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that shows there no HOA dues associated with the property. | 07/10/2025 | Lender provided property detail report through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide sufficient title coverage for loan amt. | Title supplement | 07/11/2025 | Lender provided Title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of $XXX is insufficient, not meeting the required coverage amount of $XXX | XX/XX/XXXX XXX: Please see that a copy of the insurance policy was provided with an attached Checklist of Coverage. Since the subject property is located in XXX, XXX state law prohibits the lender from requesting a Replacement Cost Estimate, and a Checklist of Coverage is provided as an acceptable alternative. The Checklist of Coverage confirms that the RCE amount is $XXX as the Loss Settlement Basis is based on the Replacement Cost of the property. | 07/15/2025 | Audit reviewed Lender's response and has determined the Checklist of Coverage is sufficient in the state of XXX. Lender's are not allowed to request additional coverage of a Replacement Cost estimate. The insurance is sufficient to cover the Limit of Insurance reflected on the Checklist of Coverage. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: Please see attached documentation with updated documentation including HOA dues in DTI | 07/11/2025 | Lender provided HOA documentation for property XXX and updated AUS that includes the HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3213 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply.  | XX/XX/XXXX XXX: Please see attached document that shows no HOA dues are associate with the property | 07/11/2025 | Lender provided property detail report for property XXX reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | missing proof of HOA for the property at XXX. Final 1003 indicates amount of $XXX/mo. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that disclosed boat slip amount for $XXX and monthly HOA dues for $XXX.That would total up to $XXX/mo. | 07/11/2025 | Lender provided verification of HOA fees for property XXX. Condition cleared. | 07/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing Final Settlement Statement or Seller CD reflecting the property at XXX was sold. Note: Proceeds were used as assets. EMD was not sourced. | XX/XX/XXXX XXX: Please see attached document | 07/11/2025 | Lender provided final settlement statement for sale of XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at: XXX. Additional conditions may apply. | XX/XX/XXXX XXX: XXX has no indication of HOA dues for this property | 07/14/2025 | Lender provided property search through XXX reflecting property XXX does not have HOA fees. Condition cleared. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3146 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Rescinded | XXX | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | Not required - Rescind; Not required - Rescind | 07/15/2025 | C A |
| OBX2025J3146 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title coverage was not provided on the title report. Provide sufficient coverage for the loan amount. | please see attached doc XXX XXX | 07/22/2025 | Lender provided updated Title. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Findings | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: attached | 07/14/2025 | Lender provided property search through XXX reflecting property XXX does not have HOA fees. Condition cleared. | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI exception. Loan was approved at XXX%. It also exceeds the maximum XXX% from XXX overlays. B2 income is listed as $XXX/mo when the documentation and circumstances don't add up to that monthly amount. XXX letter in file states borrower can only work remote and only for a maximum of XXX hours per day due to a serious injury that is requiring at least XXX days a week of physical therapy from a car accident. There is no indication how long this will be for or how long she will be on limited working hours. Her employer has her bill at a rate of $XXX/hr. XXX hours a day x XXX days a week is XXX hrs. per week which comes to $XXX/mo. This is a new job only on the job one month and prior job was at XXX times the rate @ $XXX/hr. Separate exception will be set for an explanation of the large decrease in hourly rate. | XX/XX/XXXX XXX: Please see the attached letter from the borrower's employer confirming that the borrower is expected to earn an annual salary of $XXX, which would be $XXX a month. The employer explained that the borrower's paystub does not reflect XXX hours a week due to the borrower's current physical therapy restrictions. Even with their physical therapy restrictions, the paystub shows that the borrower XXX worked XXX hours over the first half of the month, totaling $XXX. Since the borrower is paid twice a month, UWM used the more conservative calculation of $XXX based off their actual hours worked with the restrictions. The paystub is based off the hours the borrower actually worked on their physical restrictions, versus the letter from the doctor is only a recommendation and is not truly what the borrower is working, therefore, their income would not be calculated off the doctor's letter. Also there are no concerns about the borrower making less money with their new employer, the concerns would be if the borrower had an unexplainable increase with the new employment. Additionally, the letter from the employer confirms that the borrower is a returning employee of the firm, as the borrower was previously employed by XXXfor XXX years. | 07/15/2025 | Lender provided letter from Borrower's employer reflecting Borrower 2 is expected to earn $XXX annually, which would be $XXX per month and that Borrower's 2 is expected to return to work after treatment for injuries due to XXX accident. The pay stubs showing the decrease in hours support income of $XXX per month used by Lender. Audit re-calculated income and debt ratios resulting in an audit DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: XXX has no indication of HOA dues for this property. | 07/14/2025 | Audit reviewed Lender's response. An audit property search of property XXX supports property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | XX/XX/XXXX: Please see the attached Appraisal Consent & LOX | 07/18/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Findings | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | . | 07/18/2025 | Lender provided Initial Escrow disclosure. Condition cleared.; Initial Escrow Account Disclosure is Resolved; Material Findings | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/14/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. 1) The Proposed Monthly Housing Expense includes Homeowner's Association (HOA) dues of $XXX; however, the subject property is not submitted as a unit in a XXX (XXX) or<br> XXX or XXX Project. Appraisal in file does not show an HOA. Please provide an LOE and documentation for the HOA. 2) The following debt(s) was submitted as paid off at or before closing and/or excluded and is therefore omitted from the debt-to-income (DTI) ratio. The debt(s) is considered paid off at or before closing if the account has XXX balance as of the note date. For debt(s) submitted as excluded, include documentation supporting omission. Creditor: XXX, Acct: \*\*\* XXX, Bal: $XXX. Additional conditions may apply. | XX/XX/XXXX XXX: The $XXX HOA fee was marked in error, see attached updated loan app. Appraiser confirms property type and $XXX HOA dues. XXX was excluded as paid by business, evidence of XXX months paid by the business was included in the file. | 07/17/2025 | Lender provided updated 1003 reflecting HOA fees removed for subject property. Audit confirmed XXX months business transaction details in file verify the Borrower's business pays the XXX account supporting the omission of XXX debt. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the XXX business day following consummation.The consumer may exercise the right to rescind until midnight of the XXX business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Cure Required: Right to cancel was signed by the borrower on XX/XX/XXXX with a midnight date of XX/XX/XXXX. Disbursement occurred on XX/XX/XXXX Therefore, borrower did not receive XXX days to cancel. <br>In order to cure rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required. | XXX XX/XX/XXXX Please see attached Right to Cancel, Letter of Explanation, and XXX label reflecting that the Right to Cancel period was reopened | 08/04/2025 | Condition resolved as the lender did re-open rescission. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply.  | XX/XX/XXXX XXX: Please see attached showing no indication of HOA dues | 07/18/2025 | Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of $XXX is insufficient, not meeting the required coverage amount of $XXX | XX/XX/XXXX XXX: Please see attached document that shows checklist of coverage. With this coverage the dwelling coverage is sufficient. | 07/17/2025 | Lender provided checklist of coverage, reflecting insurance includes replacement cost coverage. Lender's are not allowed in the state of XXX, to request a replacement cost estimate or additional coverage. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide sufficient coverage for loan amount. | please see attached doc XXX XX/XX/XXXX | 07/28/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 07/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Missing evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | XX/XX/XXXX: Please see the attached Appraisal Delivery LOX | 07/29/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 07/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing for the initial disclosures e signed XX/XX/XXXX | XX/XX/XXXX: Please see the attached Consent | 07/17/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower's eConsent. Condition cleared. | 07/30/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA | 07/22/2025 | Resolved as we have received the missing CDA from the lender. ; Third party valuation product provided within tolerance. | 07/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | AUS Not Provided | Missing AUS File is missing the AUS. Additional conditions may apply. | AUS | 07/17/2025 | Lender provided AUS approval. Condition cleared.; AUS is not missing | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. File is missing Approval/Underwriting Summary. | 1008 | 07/17/2025 | Lender provided Transmittal Summary form 1008. Condition cleared.; Approval/Underwriting Summary is fully present | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Settlement statement for the sale of XXX is not signed nor certified by the settlement agent. Additional conditions may apply. | Signed Settlement Statement | 07/17/2025 | Lender provided final settlement statement for sale of REO property reflecting sufficient proceeds of $XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA for the property at XXX. Final 1003 states HOA of $XXX/mo. Email asking for documentation states at $XXX/mo. Document provided was for hazard insurance not for HOA. Provide third party documentation to confirm $XXX/mo. Please note DTI is currently at XXX% with the above HOA amount. Maximum allowed is XXX% per XXX guidelines. Additional conditions may apply. | The mortgage payment includes escrow for the taxes & insurance. The HOA borrower liability consists of XXX% of the annual XXX insurance premium provided. Documentation provided is the master insurance, not the individual unit hazard insurance. That is what the LOX is stating. It is common on a XXX for the unit owners to split the XXX insurance premium rather than paying a set monthly HOA fee as there is no complex expenses or budget. We are unable to provide documentation to confirm $XXX/mo as it was an unverified figured the processor used to account for potential expenses while waiting for the documentation to calculate the actual liability. | 07/18/2025 | Lender provided explanation how HOA fees were calculated. The LOE in file from Borrower indicates there is no formal HOA fees for property XXX and that the premium for the master insurance is split between the Borrower and the other unit owner, with Borrower paying XXX%. The premium is $XXX x XXX% = $XXX / XXX months = $XXX, which is what Lender calculated and used in qualification. Condition cleared. | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Document Required: Missing Affiliated Business Disclosure from the file | Affiliated Business LOE attached | 07/17/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX extension for XXX businesses.(Personal return extension is in file) Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached business tax return extension for XXX. The XX/XX/XXXX business loss is from the XXX returns no EXT needed since we already have the personal EXT form in the file. | 07/17/2025 | Lender provided XXX extension for XXX Enterprises. The Borrower was qualified with a business loss for XXX; therefore, no other documentation is required for that business. Condition cleared.; Income and Employment Meet Guidelines | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that shows HOA dues are no associated with this REO. | 07/17/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide updated title to show sufficient coverage to cover loan amt. | XX/XX/XXXX XXX please see attached please clear thankyou | 07/17/2025 | Audit reviewed Lender's response and has determined the checklist of coverage is in the loan file reflecting the hazard insurance includes replacement cost coverage. In the state of XXX, Lender's are not allowed to request replacement cost estimates. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The XXX tolerance violation in the amount of $XXX is due to decrease from $XXX to $XXX for the Lender Credits | XXX XX/XX/XXXX Assets and liabilities were updated by underwriting on XX/XX/XXXX which Decreased the FICO to XXX from XXX which decreased loan level pricing adjusters. A Closing Disclosure went out within XXX days to the borrower. Please see the attached Lock Confirmation and Closing disclosure. | 07/18/2025 | Lender provided valid COC for decrease in Lender credits, which was due to loan level pricing adjustment from credit score decreasing prior to closing. Condition cleared.; Lender provided valid COC for decrease in Lender credits, which was due to loan level pricing adjustment from credit score decreasing prior to closing. Condition cleared. | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Score used of XXX on the DU approval doesn't match with the credit report dated XX/XX/XXXX in the file. Lender to provide the credit report that shows a XXX score. Additional conditions may apply. | AUS Attached | 07/23/2025 | Lender provided updated AUS reflecting the credit scores and credit information matching the updated credit report dated XX/XX/XXXX in file. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: Please see attached document that shows HOA dues are not associated with this REO. | 07/18/2025 | Lender provided property detail report through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is less than total amount of subject lien $XXX | please see attached doc XXX XX/XX/XXXX | 08/18/2025 | Condition cleared as we have received the complete title report matching the loan amount. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Lender to provide sufficient coverage for loan amount. | XX/XX/XXXX please see attached please clear thankyou | 08/14/2025 | Lender provided title reflecting sufficient coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABD is missing from the loan file. | XXX XX/XX/XXXX Please see attached ABD Attestation Letter | 07/22/2025 | Resolved as we have received attestation for lender for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Other payment of $XXX was included in the subject property PITI payment, however could not be verified. Please provide supporting documentation. | ADDITIONAL PAYMENT IMPROVED PROPERTY | 07/21/2025 | Lender provided calculation for estimated property taxes. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Other payment of $XXX was included in the subject property PITI payment, however could not be verified. Please provide supporting documentation. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J3155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. This loan is an Risk Assessment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | SCIF FORM | 07/21/2025 | Lender provided SCIF. Condition cleared.; This Supplemental Consumer Information Form is Present.; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. This loan is an Risk Assessment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present.; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. This loan is an Risk Assessment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J3155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID for both borrowers. | PATRIOT ACT DISCLOSURES | 07/21/2025 | Lender provided completed Patriot Act form for both Borrowers. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Missing XXX Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID for both borrowers.; Missing XXX Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID for both borrowers. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J3155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/19/2025 | Resolved | XXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI variance exception. Loan was approved at XXX% however taxes were missing from the calculation. DU approval requires loan application resubmitted to get a valid DU approval. In reviewing the taxes the ratio increased to XXX%. Lender to rerun DU approval. Maximum overlays allowed to XXX%. (Taxes are XXX/mo) | Tax exempt | 07/25/2025 | lender provided letter from County of XXX, XXX, reflecting Borrower is tax exempt from property taxes on the subject property due to XXX% permanent and totally disabled veteran status. Audit re-calculated taxes and insurance resulting in a DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than XXX business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. |  |  | Lender provided Homeownership Counseling disclosure dated within XXX business days of the application date. Condition cleared.; XX/XX/XXXX: finding added due to Homeownership Counseling Disclosure provided, is dated XX/XX/XXXX, which is not within XXX business days of the application date of XX/XX/XXXX | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing | Homeownership counseling list | 07/23/2025 | Lender provided a Homeownership Counseling Disclosure; however, it is dated XX/XX/XXXX, which is not within XXX business days of the application date of XX/XX/XXXX. This finding is cleared and a compliance finding has been added.; Lender provided the Homeownership Counseling Disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or Not Applicable; Material Finding | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Affiliated | 07/25/2025 | Lender provided the Affiliated Business Disclosure. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This exception is tied to the LE and WLSP timing exception. |  |  | Lender provided the Initial LE and Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided the Initial LE and Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXX" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX 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 XXX 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 XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than XXX business days before consummation. Documentation required to clear exception. According to XXX report, initial Closing Disclosure was issued XX/XX/XXXX however the only CD in file was issued XX/XX/XXXX. Please provide copy of the initial CD issued and acknowledged by the borrower at least XXX days prior to loan consummation. | Initial CD | 07/23/2025 | Lender provided initial CD. Condition cleared. | 07/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This exception is tied to the LE timing exception. |  |  | Lender provided the Initial LE and Initial CD. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 07/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. Documentation required to clear exception. According to XXX report, initial Loan application date is XX/XX/XXXX. Initial LE in file is dated XX/XX/XXXX which exceeds the timing regulation. Please provide the initial LE and Written List of Service Provideres within XXX days of the application date. | Initial LE | 07/23/2025 |  | 07/28/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Affiliated Business Disclosure | 07/23/2025 | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Compliance | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided. Provide the Attorney Preference, Right to Choose Attorney Disclosure. | XXX XX/XX/XXXX This is only required to exclude the fee from high cost loans so n/a OCGA 7-6a-2(12)(G)(ii) (ii) Bona fide and reasonable fees paid to a person other than the creditor or an affiliate of the creditor for the following: fees for tax payment services; fees for flood certification; fees for pest infestation and flood determination; appraisal fees; fees for inspections performed prior to closing; credit reports; surveys; attorneys' fees, if the borrower has the right to select the attorney from an approved list or otherwise; notary fees; escrow charges, so long as not otherwise included under subparagraph (A) of this paragraph; title insurance premiums; and fire and hazard insurance and flood insurance premiums, provided that the conditions in 12 C.F.R. 1026.4(d)(2) are met;; XXX XX/XX/XXXX Please see attached disclosure | 08/06/2025 | Resolved as we have received the missing disclosure. ; O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was provided.; Finding remains as we have not received the XXX right to choose Attorney disclosure. ; O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided. Provide the Attorney Preference, Right to Choose Attorney Disclosure. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Evidence that the appraisal was received by the borrower XXX business days prior to consummation, XX/XX/XXXX, was not found in the loan file. Showing evidence the appraisal was received XXX days prior to consummation may cure the violation. | XXX XX/XX/XXXX Please see the attached Appraisal Package and TRID worksheet with proof that both borrowers were sent an Appraisal Package on XX/XX/XXXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XX/XX/XXXX | 07/22/2025 | Resolved as we have received evidence of the appraisal send date. ; Evidence of appraisal delivery provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower to provide satisfactory signed explanation of difference in names provided for income/employment. Final 1003 shows XXX. Business and personal returns show XXX. Please note have request verification of business in another exception. | verification of business name | 08/01/2025 | Lender provided LOE for name of business. Condition cleared.; Income and Employment Meet Guidelines | 08/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing acceptable third party Verification of borrower's business. File only contains a copy of her website information which would not be acceptable. A real estate license would be one example of acceptable documentation. | real estate license | 08/01/2025 | Lender provided verification of Borrower's Realty license and LOE. The VVOE dated within XXX days of the Note date is in the loan file on page XXX. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3156 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/22/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. Per property profile report, the property stated above is a XXX.<br> Missing HELOC Statement for the property at XXX. Per final 1003, the borrower applied for a HELOC with XXX and proceeds were used as assets in the file. Please provide Final CD of this transaction to verify monthly payment and net proceeds. | XX/XX/XXXX XXX: XX/XX/XXXX XXX: No HOA dues need to be documented on XXX because the borrower does not have ownership of the property, they are only on the mortgage. Verification of the final PITIA for XXX | 08/01/2025 | Lender provided HELOC documentation for XXX. Audit re-calculated debt using the HOA fees from LOE in file for other properties in the same XXX results in a DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3156 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/21/2025 | Resolved | XXX | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. Missing required supplemental Consumer Information form. | SCIF form | 07/23/2025 | Lender provided SCIF. Condition cleared.; This Supplemental Consumer Information Form is Present.; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | 07/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/21/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Missing Patriot Act disclosure. | PATRIOT ACT FORM | 07/23/2025 | Lender provided completed Patriot Act forms for both Borrowers. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Missing XXX Patriot Act Disclosure or ID.; Material Finding | 07/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/21/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | HOA verification | 07/23/2025 | Lender provided verification of HOA fees for XXX. Condition cleared. | 07/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/20/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Evidence that the appraisal was provided to the borrower XXX business days prior to the consummation date, XX/XX/XXXX, was not found in the loan file. Showing evidence that the borrower received the appraisal XXX business days prior to consummation may cure the violation. | appraisal receipt form | 07/23/2025 | Lender provided Borrower's acknowledgement of appraisal receipt. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 07/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: please see attached, showing no HOA dues | 07/22/2025 | Resolved as we have received evidence of no HOA dues. ; Borrower 1 Credit Report is not partially present. | 07/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX-tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Appraisal Re-inspection Fee. A COC dated XX/XX/XXXX was provided but did not include any specifics on why the fee was added. The original appraisal was "as-is" and no invoice for the re-inspection was found. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | COC | 08/05/2025 | Resolved as we have received the valid COC and missing appraisal that was subject too. ; Resolved as we have received the valid COC and missing appraisal that was subject too. | 08/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3138 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the appraisal fee without a valid COC. Although there is a COC dated XX/XX/XXXX, the reason for the change is not valid. Providing a valid reason for the change may cure the violation. | PCCD, LOX, label and check | 08/05/2025 | Cured post close as we have received a lender cure of PCCD, LOX, copy of check and evidence of mailing.; Cured post close as we have received a lender cure of PCCD, LOX, copy of check and evidence of mailing. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3138 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3212 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing no HOA dues | 07/23/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/28/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter from borrower stating no HOA for the property at XXX | XX/XX/XXXX XXX: attached | 08/11/2025 | Condition resolved as we have received evidence of no HOA dues from borrower. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing evidence that the terms of the newly lease agreement for the property at XXX have gone into effect. Please provide copies of the security deposit and first month's rent check with proof of deposit. | 1008 addressing deposit $XXX for lease and accounts to support | 07/24/2025 | Lender provided verification of transfer of $XXX from tenant to Borrower for $XXX first months rent and $XXX security deposit for property XXX. Condition cleared.; Income and Employment Meet Guidelines | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | aba | 07/24/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | XXX | Compliance | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Non-Borrower Title Holder Did Not Receive Right of Rescission Form Missing fully executed Right of Rescission for XXX | XX/XX/XXXX: Please see attached remediation package with proof of delivery | 08/14/2025 | Lender re-opened rescission giving an additional XXX days right of rescission and provided corrected Right to Cancel forms for both Borrower and non-Borrowing title owner. Condition cleared. | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Evidence the following property is owned XXX, such as a property profile: XXX. Additional conditions may apply. | Per credit report, only lien is HELOC with XXX balance. Please clear condition. | 07/30/2025 | Audit reviewed Lender's response and has determined the fraud report reflects property XXX has 1 mortgage and the credit report reflects that mortgage is a HELOC with a XXX balance. Condition cleared.; Borrower 2 Credit Report is not partially present. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed 4506-T Missing File is missing a signed 4506 for XXX | attached | 08/01/2025 | Lender provided 4506-C for XXX. Condition cleared.; Borrower 2 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 2) | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130 Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase of the Recording Fee from $XXX, to $XXX on the final CD dated XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. | attached | 07/25/2025 | Lender provided valid COC for increase in recording fees, which was due to requirement for recording of Power of Attorney. Condition cleared.; Lender provided valid COC for increase in recording fees, which was due to requirement for recording of Power of Attorney. Condition cleared. | 07/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J3246 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or letter stating no HOA for the property at XXX. Also missing hazard insurance. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing no HOA dues | 07/28/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 07/30/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3246 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - A |
| OBX2025J3102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery. The TILA finance charge violation is due to the lender not including the Title Services Fee into the APR calculations. Please provide a complete breakdown of the fee or cure package. | Title attestation one fee ; Title Services Fee is exam and search, please exclude and cancel these conditions | 08/18/2025 | Lender provided email correspondence from the title company indicating the Title Services Fee includes the Title Examination and Title Search, which are not APR fees. Audit re-ran compliance and has determined Finance Charges are within tolerance. Condition cleared.; Lender provided email correspondence from the title company indicating the Title Services Fee includes the Title Examination and Title Search, which are not APR fees. Audit re-ran compliance and has determined Finance Charges are within tolerance. Condition cleared.; Lender provided a list what was included in the Title Services Fee; however, it did not break out the pricing to verify the exact Title Search Fee and Title - Examination Fee. Condition retained. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $XXX. TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery. The TILA finance charge violation is due to the lender not including the Title Services Fee into the APR calculations. Please provide a complete breakdown of the fee or cure package. | Title attestation one fee ; Title Services Fee is exam and search, please exclude and cancel these conditions | 08/18/2025 | Lender provided email correspondence from the title company indicating the Title Services Fee includes the Title Examination and Title Search, which are not APR fees. Audit re-ran compliance and has determined Finance Charges are within tolerance. Condition cleared.; Lender provided email correspondence from the title company indicating the Title Services Fee includes the Title Examination and Title Search, which are not APR fees. Audit re-ran compliance and has determined Finance Charges are within tolerance. Condition cleared.; Lender provided a list what was included in the Title Services Fee; however, it did not break out the pricing to verify the exact Title Search Fee and Title - Examination Fee. Condition retained.; Lender provided a list what was included in the Title Services Fee; however, it did not break out the pricing to verify the exact Title Search Fee and Title - Examination Fee. Condition retained. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Missing the eSigned documents consent for the initial disclosures signed by the borrower XX/XX/XXXX | eConsent | 07/29/2025 | Evidence of eConsent is provided. | 07/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Rescinded | XXX | Credit | Missing final HUD-1 from sale of non-subject property | Missing Final signed or certified HUD 1 for the sale of property at XXX. Debt was not included in ratios and would exceed XXX% maximum for overlays. Additional conditions may apply. | Please waive- there is not a final HUD/CD for the sale of their property. We utilized XXX loan to exclude their payment- these documents were previously provided. | 07/31/2025 | Audit reviewed Lender's response and has determined the XXX Before You Sell Program Agreement documentation for the XXX is in the loan file for the future sale of departing residence and proceeds of $XXX loan was used for the subject transaction. Condition rescinded. | 08/04/2025 | C A B |
| OBX2025J3084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned document provided states "pending" for consent. | ECONSENT ATTACHED | 07/29/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per fraud report, the borrower owns the property at XXX., however the housing expense for this property was not included in the DTI. Please provide supporting documents that supports the omission of the housing expense for the property stated above. | deed showing borrower does not own | 08/08/2025 | Lender provided Warranty Deed verifying Borrower sold property XX/XX/XXXX and is no longer owned by Borrower. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | FYI XXX Guide is in the Guideline folder - Please review prior to next loan review; HMDA Data Tape Provided. | 08/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The insurance policy for the property at XXX expired on XX/XX/XXXX. Please provide current insurance policy for the property at XXX | The property was sold after closing. No insurance required since the borrower's no longer own as evidenced by the XXX listing.; borrowers sold the XXX property after the closing of this loan. | 08/07/2025 | Audit reviewed Lender's response and has determined the updated hazard insurance for property XXX is non-material. The Borrower's DTI is XXX% and the increase in insurance would likely not increase the DTI over the XXX% tolerance. In addition the property search does show the property has been sold within XXX week of the subject loan closing. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided a property search through XXX, which is not sufficient to verify Borrower sold property prior to the subject transaction. The insurance in file is not the current insurance policy; therefore, does not reflect the correct insurance premium on the property. Condition retained.; Borrower 1 Credit Report is Partially Present. The insurance policy for the property at XXX expired on XX/XX/XXXX. Please provide current insurance policy for the property at XXX | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided Lender to Rerun DU approval with bonus income so it can generate the proper conditions for B1 income otherwise it would be invalid. (Did review without bonus income but would be over our allowable variance) | XX/XX/XXXX: XXX agrees that base income should be calculated at semi-monthly rate. Attached is updated AUS run showing loan is XXX eligible. ; XX/XX/XXXX - XXX: The borrower's bonus income via XXX was not considered for qualification nor was the income required to be included. The borrower qualifies with a DTI of XXX and an updated AUS run including the borrower's bonus income is not required per the investor's XXX criteria. | 08/13/2025 | Lender provided updated AUS reflecting income for Borrower 1 as $XXX and approving DTI of XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; AUS is not incomplete; Audit reviewed Lender's response and has determined the Borrower's base income is $XXX, calculated $XXX, borrower is paid bi monthly = $XXX. The AUS reflects base income for Borrower is $XXX. It appears Borrower included bonus income. Please provide updated AUS reflecting the correct income for Borrower 1 or provide documentation to support Borrower 1 base income of $XXX. Condition retained.; AUS Partially Provided Lender to Rerun DU approval with bonus income so it can generate the proper conditions for B1 income otherwise it would be invalid. (Did review without bonus income but would be over our allowable variance) | 08/18/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing no HOA dues | 07/31/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or a letter from the borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing no HOA dues | 07/31/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 08/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at or prior to the consummation date. | Appraisal Delivery Receipt | 07/31/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title | 08/01/2025 | Lender provided Title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 08/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3276 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Borrower 4 Executed 4506-T Missing | Borrower 4 Executed 4506-T Missing Missing a signed 4506 for the XXX | XXX for Inspire XXX attached; 4506 attached | 08/12/2025 | Resolved as we have received the missing XXX for B4. ; Borrower 4 Executed 4506-T Provided or Not Applicable (Number of Borrowers equals 4); XXX remains as we did not receive the XXX. Inspire XXX but rather a different business. ; Borrower 4 Executed 4506-T Missing Missing a signed 4506 for the XXX | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Borrower 3 3rd Party VOE Prior to Close Missing | Borrower 3 3rd Party VOE Prior to Close Missing Missing the business license for borrower 3 XXX. Additional conditions may apply. | Dated Verbal VOE attached; RI attorney search attached | 08/13/2025 | Cleared as we have received the missing VOE for B3.; Borrower 3 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4); Lender provided license search; however, it is not dated. Audit is unable to determine the search was completed within XXX days of the Note date. Condition retained.; Borrower 3 3rd Party VOE Prior to Close Missing Missing the business license for borrower 3 XXX. Additional conditions may apply. ; Borrower 3 3rd Party VOE Prior to Close Missing Missing the business license for borrower 3 LXXX. Additional conditions may apply. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Borrower 4 3rd Party VOE Prior to Close Missing | Borrower 4 3rd Party VOE Prior to Close Missing Missing the business license for borrower 4 XXX. Additional conditions may apply. | Inspire Business License attached | 07/31/2025 | Lender provided Business search dated post closing for Borrower 4, which meets AUS and FNMA requirements. Condition cleared.; Borrower 4 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 4); Borrower 4 3rd Party VOE Prior to Close Missing Missing the business license for borrower 4 XXX. Additional conditions may apply. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Asset 12 Does Not Meet Guideline Requirements | Asset 12 Does Not Meet Guideline Requirements. Missing evidence of the sale of the property located at XXX. The settlement statement with net proceeds of $XXXX is not signed nor certified by the title agent. Additional conditions may apply. | Executed Settlement Statement attached | 07/30/2025 | Lender provided final signed settlement statement for sale of property. Condition cleared.; Asset 12 Meets Guideline Requirements Or Not Applicable; Asset 12 Does Not Meet Guideline Requirements. Missing evidence of the sale of the property located at XXX. The settlement statement with net proceeds of $XXX is not signed nor certified by the title agent. Additional conditions may apply. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/29/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: Disclosure Tracking Summary on page XXX shows E-consent date of XX/XX/XXXX, however, earliest e-signature in file is XX/XX/XXXX. Please provide Borrowers E-consent on or prior to XX/XX/XXXX | E-Consent attached | 07/30/2025 | Evidence of eConsent is provided.; Material Finding; The eSigned consent disclosure is missing. Documentation required to clear exception: Disclosure Tracking Summary on page XXX shows E-consent date of XX/XX/XXXX, however, earliest e-signature in file is XX/XX/XXXX. Please provide Borrowers E-consent on or prior to XX/XX/XXXX | 07/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/29/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | Affiliated Business LOE attached | 07/30/2025 | Required Affiliated Business Disclosure Documentation Provided; Material Finding | 07/31/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 08/01/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. 1) Evidence of the Principal, Interest, Tax, Insurance and HOA or no HOA on the property located at XXX. 1003 shows personal money to XXX in the amount of $XXX and XXX in the amount of $XXX. Verify the payment history for these mortgage(s). If the mortgage is currently XXX days or more past due, or has been XXX days or more past due in the last XXX months, the loan XXX is ineligible for delivery to XXX) The following accounts listed on the loan application were omitted from the underwriting calculations. For each liability that belongs to the borrower, provide documentation that supports the omission. XXX card with a balance of $XXX and XXX card with a balance of $XXX. Additional conditions may apply. | XXX | 08/01/2025 | Lender provided hoi, HOA and agreement to XXX Borrower's siblings out of property. The bank statement verifies the monthly payments to the Borrower's siblings. The credit supplement in file reflects the XXX and XXX card have a XXX balance. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/01/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/29/2025 | Resolved | XXX | Credit | Borrower 2 Credit Report is Incomplete | Borrower 2 Credit Report is Partially Present. Missing evidence the following property is owned XXX, such as a property profile: XXX. Document in file shows a lien in the amount of $XXX. Additional conditions may apply. | . | 08/11/2025 | Lender provided Property Detail Report for property XXX reflecting property does not have open liens supporting property is owned XXX. Condition cleared.; Borrower 2 Credit Report is not partially present.; Borrower 2 Credit Report is Partially Present. Missing evidence the following property is owned XXX, such as a property profile: XXX Document in file shows a lien in the amount of $XXX. Additional conditions may apply. | 08/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | title | 08/04/2025 | Cleared as we have received the updated title report. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3288 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3292 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J3259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing executed Final Settlement Statement or Seller CD reflecting the property at XXX was sold. Please provide executed Final Settlement Statement or Seller CD reflecting the property stated above was sold. | REO CD | 08/05/2025 | Resolved as we have received the final CD to verify the REO was sold. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Missing executed Final Settlement Statement or Seller CD reflecting the property at XXX was sold. Please provide executed Final Settlement Statement or Seller CD reflecting the property stated above was sold. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3209 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 08/01/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | NO ABA REQUIRED; We do not have affiliated business in XXX state. ; Not required in XXX State. | 08/19/2025 | Attestation provided - no affiliates - condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Audit reviewed Lender's response. Please provide an attestation of no affiliates on Lender's letterhead. Condition retained.; PLease supply state regulation that states the Affiliated Bus. Disclosure is not required in XXX.; Material Finding | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/31/2025 | Rescinded | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing Hazard insurance, Taxes and HOA for the property at XXX. Additional conditions may apply. | Excluded as sales contract for sale of XXX was provided, property is XXX. | 08/06/2025 | Condition rescinded as the executed XXX contract was included in loan file. | 08/12/2025 | C A B |
| OBX2025J3218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/31/2025 | Rescinded | XXX | Credit | Missing final HUD-1 from sale of non-subject property | Missing Final HUD 1 for the sale of the property at XXX | Property is under contract but has not yet closed. Sales contract previously provided. | 08/06/2025 | Condition rescinded as the executed XXX contract was included in loan file. | 08/12/2025 | C A B |
| OBX2025J3218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application reflects a mortgage payment of $XXX for the property located at XXX, which is supported by the credit report. Additional expenses of $XXX are also listed; however, there is no documentation confirming that escrows are included in the mortgage payment, and we are unable to validate the additional $XXX expense. | VOM | 08/07/2025 | Resolved as we have received evidence that the mortgage includes escrows. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. The final application reflects a mortgage payment of $XXX for the property located at XXX, which is supported by the credit report. Additional expenses of $XXX are also listed; however, there is no documentation confirming that escrows are included in the mortgage payment, and we are unable to validate the additional $XXX expense. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing no HOA dues at this REO | 08/05/2025 | Resolved as we have received evidence of no HOA dues required. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Rescinded | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The following accounts listed on the loan application were omitted from the underwriting calculations. For each liability that belongs to the borrower, provide documentation that supports the omission. If any of these accounts will be paid prior to or at closing, those accounts must be marked paid by<br> closing (not omitted) and the loan casefile must be resubmitted to DU. XXX: XXX. Additional conditions may apply. | Per the credit report this is a tradeline associated to the co-borrower as an authorized user account. It is the reason why it was removed from ratios. | 08/05/2025 | Rescinded as the account in question is an authorized user account. ; Borrower 1 Credit Report is not partially present. | 08/06/2025 | C A |
| OBX2025J3152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/01/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing income documentation such as paystubs or WVOE for borrower 1 to verify monthly income of $XXX. Per FNMA guides: Acceptable if it provides complete and legible information from a third-party source (e.g., HR department, payroll vendor). Must support the stability and continuity of income. Additional conditions may apply. | Income | 08/06/2025 | Resolved as we have received the WVOE for B1 income documentation. ; Income and Employment Meet Guidelines | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower.<br> Additional conditions may apply. | HOA | 08/06/2025 | Resolved as we have received the HOA information. ; Borrower 1 Credit Report is not partially present. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document | 08/06/2025 | Resolved as we have received evidence of the HOA dues from lender.; Borrower 1 Credit Report is not partially present. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | XX/XX/XXXX please see attached please clear thank you | 08/08/2025 | Resolved as we have received the updated title from lender. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Rescinded | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing the K1's for XXX. Additional conditions may apply. | XX/XX/XXXX XXX: The loan is not using self-employment income for the XXX self-employment business. The properties reporting on the XXX is what we are using for the rental income. No K-1 is required. | 08/06/2025 | Rescinded as income is not being used from this SE income. | 08/12/2025 | C A |
| OBX2025J3249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Rescinded | XXX | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing Missing a signed 4506T for XXX | XX/XX/XXXX XXX: The loan is not using self-employment income for the XXX self-employment business. The properties reporting on the XXX is what we are using for the rental income. No 4506-T is required | 08/06/2025 | Condition rescinded as 4506 not required for this specific SE. | 08/12/2025 | C A |
| OBX2025J3249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3299 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | consent | 08/07/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Finding | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3299 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: attached report shows no indication of HOA dues | 08/07/2025 | Resolved as we have received property report verifying no HOA dues. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Missing HOA statement for the property at XXX. If not applicable, a LOE stating there are no HOA dues is required. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.<br> ; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | XXX - We just received word from XXX that XXX is good with CU score methodology, contained on the attached SSR Report. Thank you!! | 08/07/2025 | CU score XXX - within tolerance of XXX GL for XXX - approved by XXX - condition rescinded.; Please submit the missing CDA as this is a client overlay that is required on all loans. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | 08/12/2025 | C A B |
| OBX2025J3308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3308 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | Please see attached docs | 08/07/2025 | Resolved as we have received evidence of appraisal delivery to borrower. ; Evidence of appraisal delivery provided.; Material Finding; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: The document provided indicates that the borrower either received, or chose to waive the right to receive the appraisal at least XXX days prior to consummation, but does not confirm the borrower received the appraisal at or prior to consummation. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower timely. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines | She has been self-employed for over XXX years. Just a name change. I have attached the docs. | 08/08/2025 | Condition resolved as we have received evidence of self employment of at least XXX years. ; Income and Employment Meet Guidelines | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided Rerun DU approval with corrected time for business under XXX. DU approval only required XXX personal and business return but that is only allowed if business has been in existence for XXX. Final 1003 shows in business for over XXX when business returns clearly show under. Separate condition was set for XXX personal and business returns but DU findings need to be rerun to show that corrected, otherwise it is an invalid DU approval. | She has been self-employed for over XXX. Just a name change. I have attached the docs. | 08/08/2025 | Condition cleared as we have received evidence of self employment of at least XXX years. ; AUS is not incomplete | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3306 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3294 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3294 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.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 §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the total amount of $XXX is due to an increase in Recording fee from $XXX on the initial LE to $XXX on the final CD. The total comparable charges increased by $XXX with no COC present. | attached change of cirmstance. Borrower shopped for title company. | 08/07/2025 | Condition resolved as we have received attestation from ;lender that borrower chose the title company.; Condition resolved as we have received attestation from ;lender that borrower chose the title company. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3294 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation is due to an increase in XXX from $XXX on the initial CD to $XXX on the final CD, and an addition of Appraisal Desk Review fee of $XXX. COCs were not provided in the file. | attached COC. | 08/07/2025 | Resolved as we have received the missing COC for the review fee as well as the service fee.; Resolved as we have received the missing COC for the review fee as well as the service fee.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3294 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Compliance | Revised Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). This loan failed the revised closing disclosure delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in XXX , 12 CFR §1026.19(e)(4)(i))The revised closing disclosure delivery date is either:Later than the XXX business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the XXX tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within XXX business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than XXX business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). |  |  |  | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3294 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report File is missing a Third Party Fraud Report. Additional conditions may apply. | attached. | 08/07/2025 | Received missing fraud report with no alerts, condition cleared. ; Third Party Fraud Report is provided | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Provide proof that former XXX at XXX is XXX as stated on Final 1003. | XX/XX/XXXX XXX: Please see the attached third-party property detail report confirming that the property is XXX. | 08/08/2025 | Lender provided Property Detail Report for property XXX reflecting property does not have an open lien report, supporting property is owned XXX. Condition cleared.; Housing History Meets Guideline Requirements | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing insurance policy for the property at XXX. Please provide insurance policy for the property stated above. | Please see attached | 08/11/2025 | Condition resolved as we have received evidence of no HOA dues from the borrower. ; Borrower 1 Credit Report is not partially present. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Rescinded | XXX | Compliance | Collateral Protection Notice is Missing | Collateral Protection Notice was not provided. | built in DOT | 08/11/2025 | Rescinded as the Collateral Protection Notice is located within the Mortgage. ; Collateral Protection Notice was provided. | 08/13/2025 | C A |
| OBX2025J3307 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/09/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure required, refund in the amount of $XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the addition of the Appraisal Re-Inspections Fee on the initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX adding the Re-Inspection Fee did not meet the timing requirements. Please provide a valid COC, cooresponding LE or CD for currect COC XX/XX/XXXX or cure package. | COC | 08/14/2025 | Lender provided re-disclosed LE and valid COC for increase in appraisal re-inspection fee, which is due to appraisal made subject to requiring a XXX completion report. Condition cleared.; Lender provided re-disclosed LE and valid COC for increase in appraisal re-inspection fee, which is due to appraisal made subject to requiring a XXX completion report. Condition cleared. | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/10/2025 | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender to provide | Field Review already in file. | 08/18/2025 | Lender provided Appraisal Review Report, which was also in the loan file, as well as the CDA. Condition rescinded.; Third party valuation product provided within tolerance. | 08/20/2025 | C A |
| OBX2025J3267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. 1. Lender to provide credit supplement to confirm monthly payment and balance of XXX listed on application but is not on the credit report. No statement or information was provided other than on the Final 1003.2. Lender to provide closure letter for the HELOC that was paid off with this loan. Additional conditions may apply. | XX/XX/XXXX XXX: The XXX was a payment reflected on the borrower's assets that we included in the DTI to be more conservative. Further documentation supporting payment is not required as the assets evidence the payment and this likely is not the borrower's own account regardless since it is not on credit. There is no 2nd lien reflected on title, so nothing additional is required to support subject lien position. | 08/12/2025 | Condition cleared as we have received evidence of the XXX payment in assets and the HELOC i snot on title. ; Borrower 1 Credit Report is not partially present. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided #XXX of the DU approval requires a resubmit of the application to show primary employment and clear up secondary job. the Final application in the file doesn't show any secondary employment and shows a primary employment for B1 and no employment for B2.Resubmit to DU is required to clear that exception. Additional conditions may apply. | XX/XX/XXXX XXX: See attached updated findings | 08/12/2025 | Condition resolved as we have received an updated AUS with B1 information. ; AUS is not incomplete | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing | VVOE | 08/14/2025 | Lender provided VVOE dated post closing, which meets AUS and FNMA requirements. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/09/2025 | Rescinded | XXX | Credit | Missing Divorce Decree | Missing divorce decree or separation agreement for borrower to show no XXX or spousal support. (Application indicates separation.) Also to confirm spouse hasn't been given ownership in home. (Spouse is on title.) | XX/XX/XXXX XXX: It is not required to ask borrower for documentation for XXX or spousal support just because they indicated there marital status is separated. There is no other indication on borrower's paystubs that deductions are being taken out. | 08/13/2025 | Audit reviewed Lender's response and has determined the quit claim deed in file on page XXX, verifies property was quit claimed into Borrower's name only prior to the subject closing. In addition, Borrower is separated not divorced and XXX and alimony income are not being included in qualification. Further, the credit report does not reflect public records or any indication Borrower has any additional obligations such as XXX or alimony; therefore, no additional documentation is required. Condition rescinded. | 08/18/2025 | C A |
| OBX2025J3300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3284 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements 1. Provide satisfactory XXX mo mortgage history as required by DU approval for XXX. 2. Provide current balance and proof of Full PITIA for the property at XXX 3. Provide proof of XXX for the following properties: XXX. 4. Missing proof of HOA or letter from borrower for the property at XXX. | XXX | 08/18/2025 | Lender provided HELOC, tax, hoi and HOA for property XXX verifying PITIA and HELOC draw on XX/XX/XXXX. A mortgage history would not be required on property as the HELOC draw was recent. Lender also provided verification of HOA for XXX. Audit confirmed property XXX show none of the properties have liens supporting properties are owned XXX. Condition cleared. ; Housing History Meets Guideline Requirements | 08/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing proof of Self employed for B2's Schedule C. | B2 VOE | 08/13/2025 | Lender provided VVOE dated post closing, which meets AUS requirements. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) | 08/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within XXX days of closing. | B1 VOE<br>| 08/13/2025 | Lender provided VVOE dated post closing, which meets AUS requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 08/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Documentation required to clear exception: Missing evidence the borrower received the appraisal report at least XXX business days prior to the loan consummation. | Appraisal Delivery Disclosure Tracking | 08/13/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.<br> ; Evidence of appraisal delivery provided. | 08/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J3258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3302 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3302 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 1. Disposition of property at XXX tax return. Doc in file but doesn't give any info as to the owner or disposition of the property.<br> 2. Missing proof of HOA for the property at XXX. Additional conditions may apply. | Please see attached comment provided by XXX | 08/12/2025 | Condition resolved as we have received evidence of no HOA dues. | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent for all initial disclosures e signed dated XX/XX/XXXX is missing. | E Consent | 08/18/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 08/20/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. <br> Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Policy | 08/18/2025 | Condition cleared as we have received the title commitment with correct loan amount listed. ; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX | 08/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J3086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement for the properties at XXX. If not applicable, a LOE stating there are no HOA dues is required. | XX/XX/XXXX: Please see attached document that shows no HOA dues are associated with either property. | 08/13/2025 | Lender provided property search through XXX for properties XXX and XXX reflecting properties do not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J3305 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please review | 08/18/2025 | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA for all of the investment properties(4) or a letter from borrower stating no HOA. Additional conditions may apply. | No HOA for any REOS | 08/18/2025 | Lender provided LOE from Borrowers indicating no HOA fees on REO properties. Condition cleared. | 08/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | hmda | 08/15/2025 | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA statement, or evidence of no HOA for the properties located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements,Appraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: XXX shows no indication of HOA dues | 08/15/2025 | Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3290 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | SCIF Document is Partially Completed | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. The Supplemental Consumer Information Form is present; however, it is NOT fully executed. File is missing the signed SCIF document for the co borrower. | XXX | 08/18/2025 | Lender provided SCIF. Condition cleared.; This Supplemental Consumer Information Form is Present AND Fully Executed.; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. The Supplemental Consumer Information Form is present; however, it is NOT fully executed. File is missing the signed SCIF document for the co borrower. ; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XX/XX/XXXX, or this is an FHA loan with an application date after XX/XX/XXXX and therefore a SCIF is required. The Supplemental Consumer Information Form is present; however, it is NOT fully executed. File is missing the signed SCIF document for the co borrower. | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3290 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3290 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. 1) File is missing the mortgage statement for the property located at XXX in order to verify if the taxes and insurance are escrowed. 2) Per Line XXX of the DU ;It appears the following open/active mortgages or HELOCs on the credit report are not disclosed on the loan application. In order to ensure the minimum reserve requirement for other financed properties (not belonging to the principal residence or the subject property) is accurately calculated, all open/active mortgages must be entered on the loan application. If any of the following mortgages have not been provided on the loan application, they must be provided and the loan casefile resubmitted to DU. XXX account ending XXX. Additional conditions may apply. | XXX docs - Credit Report and Credit Supp | 08/18/2025 | Lender provided credit report, credit update verifying PI on mortgage, hoi and taxes verifying the other amount included in debt calculations on property XXX. The credit report also verifies the HELOC ending in XXX, verifying the HELOC has a XXX balance. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. 1) File is missing the mortgage statement for the property located at XXX in order to verify if the taxes and insurance are escrowed. 2) Per Line XXX of the DU ;It appears the following open/active mortgages or HELOCs on the credit report are not disclosed on the loan application. In order to ensure the minimum reserve requirement for other financed properties (not belonging to the principal residence or the subject property) is accurately calculated, all open/active mortgages must be entered on the loan application. If any of the following mortgages have not been provided on the loan application, they must be provided and the loan casefile resubmitted to DU. XXX account ending XXX. Additional conditions may apply. | 08/20/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Please provide documentation of the transfer of the gift funds used for escrow in the amount of $XXX. Per DU line XXX: Verify gift by obtaining a signed gift letter, document the transfer of funds and ensure the gift funds come from an eligible source per selling guide. Additional conditions may apply. | Wire | 08/15/2025 | Lender provided wire for Gift. Condition cleared.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements Please provide documentation of the transfer of the gift funds used for escrow in the amount of $XXX. Per DU line XXX: Verify gift by obtaining a signed gift letter, document the transfer of funds and ensure the gift funds come from an eligible source per selling guide. Additional conditions may apply. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Patriot Act Form with Identification documents reviewed for the borrower and co borrower are missing from the file. Additional conditions may apply. | Pat Act | 08/15/2025 | Lender provided Patriot Act Disclosures. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Missing XXX Patriot Act Disclosure or ID. Patriot Act Form with Identification documents reviewed for the borrower and co borrower are missing from the file. Additional conditions may apply. ; Missing XXX Patriot Act Disclosure or ID. Patriot Act Form with Identification documents reviewed for the borrower and co borrower are missing from the file. Additional conditions may apply. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3298 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of $XXX is due to the addition of the Appraisal Desk or Field Review Fee on the revised CD dated XX/XX/XXXX without a vaalid COC. Please provide a valid COC or cure package. | attached valid change of cirmstance. | 08/15/2025 | Lender provided valid COC for added Desk review fee, which was due to requirement for CDA for XXX requirement. Condition cleared.; Lender provided valid COC for added Desk review fee, which was due to requirement for CDA for XXX requirement. Condition cleared. | 08/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX | attached additional bank statments. | 08/18/2025 | Lender provided additional asset documentation. Condition cleared.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX | 08/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXX | Credit | Title Document is Partially Present | Title Document is incomplete or only partially present Title shows 1 mortgage (Item #XXX) and Final CD is showing 2 mortgage are being paid off. Please provide documentation verifying when both liens were taken out. | The title is right. The pay off was for a XXX loan which included borrower's previous property. I've attached copy of the previous note which includes both properties. | 08/15/2025 | Lender provided Note reflecting loan was XXX loan verifying mortgage was for subject property and Borrower's previous property that was sold. The 2 payoff's on the CD is for the total payoff of the XXX Loan. Condition cleared.; Title Document is fully Present; Title Document is incomplete or only partially present Title shows 1 mortgage (Item #XXX) and Final CD is showing 2 mortgage are being paid off. Please provide documentation verifying when both liens were taken out. | 08/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3304 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J3275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Rescinded | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The only assets for closing and reserves is the XXX. Lender to provide the plan summary for the XXX. DU findings # XXX outlines requirements for using this for closing and reserves. Plan summary allowing use of the funds is also not in the file. Additional conditions may apply. | UW LOE | 08/19/2025 | Audit reviewed Lender's response and has determined the assets used at origination is a Traditional XXX and has greater than XXX% more than the required funds for down payment, closing costs and reserves; therefore, the asset documentation in file meets AUS and FNMA requirements. Condition rescinded.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements The only assets for closing and reserves is the XXX. Lender to provide the plan summary for the XXX. DU findings # XXX outlines requirements for using this for closing and reserves. Plan summary allowing use of the funds is also not in the file. Additional conditions may apply. | 08/20/2025 | C A |
| OBX2025J3275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Borrower has stable job time - Borrower has XXX years on job.<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J3265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3236 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br>Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J3270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 08/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided.; HMDA received - no level 3 discrepancies - cleared | 08/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/15/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Provide updated title with coverage of loan amount. | Sch A with correct amount | 08/20/2025 | Lender provided Title with sufficient coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Provide updated title with coverage of loan amount. | 08/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J3295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX of XXX month mortgage rating. Credit report/credit supplement only rates for XXX months. According to the reporting date should have XXX mo rating. Lender to provide satisfactory credit supplement for additional XXX mos. | Credit Supplement | 08/20/2025 | Lender provided credit supplement. Condition cleared.; Housing History Meets Guideline Requirements; Housing History Does Not Meet Guideline Requirements Missing XXX month mortgage rating. Credit report/credit supplement only rates for XXX months. According to the reporting date should have XXX mo rating. Lender to provide satisfactory credit supplement for additional XXX mos. | 08/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. | 08/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/19/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. | XXX Patriot Act Forms | 08/21/2025 | Lender provided completed Patriot Act form for both Borrowers. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Material Finding | 08/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX%<br>Borrower has stable job time - Borrower has XXX years on job.<br>Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX%<br>Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br>Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J3001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/12/2022 | Cleared | XXX | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. ; Audit reviewed lender's response and has determined pages XXX are missing from the fraud report. Unable to determine all parties to the transaction were included in the report including the XXX searches. Condition retained.; XXX confirmed with XXX at XXX that a complete full fraud report is required along with any supporting documents based on fraud report findings. Additional conditions XXX apply.; XXX confirmed with XXX at XXX that a complete full fraud report is required along with any supporting documents based on fraud report findings. Additional conditions may apply.; Lender provided full fraud report. Condition cleared.; Missing pages XXX |  |  | Complete fraud report provided. | 2/11/2022 | Borrower has more than XXX 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 |
| OBX2025J3001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/12/2022 | Cleared | XXX | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 1/13/2022 | Borrower has more than XXX 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 |
| OBX2025J3001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 01/12/2022 | Cleared | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - Condition for informational purposes. Due Diligence Firm will order.; CCA provided within XXX% tolerance. Condition cleared. |  |  | Third Party Valuation Product Provided | 1/18/2022 | Borrower has more than XXX 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 |
| OBX2025J3002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2023 | Cleared | XXX | Compliance | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference Right to Choose Attorney disclosure was not provided | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided; O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided | Change status of 'O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided' from Active to Acknowledged by Client.;<br> Non-material disclosure - Condition downgraded to B. | 10/20/2023 | Attorney Preference, Right to Choose Attorney disclosure was provided; Audit has re-reviewed and determined that the disclosure in question is not required. This form is only required in XXX if there is an attorney fee charged AND that attorney fee is being excluded from high cost testing. This is not the case for this loan, condition has been cleared. For clarity, the disclosure was not provided as it was not required, condition has now been cleared and graded an A. | 11/9/2023 | D A B |
| OBX2025J3002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/05/2023 | Cleared | XXX | Credit | AUS is Partial | Lender to rerun DU findings and breakout income between self employed and W2 income so that DU will approve with proper documentation stated. Income was entered as a lump sum instead of some self employment and some W2 income . ; Audit reviewed Lender's response and has determined the self-employment income was not reflected properly on the AUS. The AUS does not reflect the self-employment requirements. It appears all income was input as W2 employment income. Please provide updated AUS reflecting the self-employment income requirements. Condition retained. |  |  | Lender provided updated AUS reflecting self-employment income requirements. Condition cleared. | 10/12/2023 | D A B |
| OBX2025J3002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/04/2023 | Cleared | XXX | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  | The affiliate business disclosure is Not Applicable, lender has no affiliates, condition cleared. | 10/6/2023 | D A B |
| OBX2025J3002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/17/2023 | Cleared | XXX | Credit | HMDA Discrepancy(s) Noted | HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI Missing vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI).; Lender provided ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. ULI number provided. | 10/19/2023 | D A C B |
| OBX2025J3002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/05/2023 | Cleared | XXX | Credit | HMDA Data Tape Not Provided | HMDA Tape Provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; HMDA Complete - other finding added. |  |  | HMDA data tape provided. | 10/17/2023 | D A B |
| OBX2025J3002 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/05/2023 | Cleared | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%. DD to order. ; CCA received - within tolerance - cleared |  |  | Third Party Valuation Product Provided | 10/10/2023 | D A B |
| OBX2025J3003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/17/2023 | Cleared | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX%.DD to order.; CCA received - within tolerance - cleared |  |  | Third Party Valuation Product Provided | 10/20/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years<br> D A |
| OBX2025J3003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/17/2023 | Cleared | XXX | Credit | HMDA Data Tape Not Provided | HMDA Tape Provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.<br>; HMDA Complete - Other finding added. |  |  | HMDA data tape provided. | 10/24/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years<br> D A |
| OBX2025J3003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/24/2023 | Cleared | XXX | Credit | HMDA Discrepancy(s) Noted | HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI Missing vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI).; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/25/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years<br> D A C |
| OBX2025J3003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Safe Harbor QM (APOR) | Closed | 10/17/2023 | Cleared | XXX | 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.; Lender provided XXX Checklist of coverage. Condition cleared. |  |  | Hazard insurance coverage is sufficient. | 10/20/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XXX years<br> D A C |

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## Exhibit 99.10

**Exhibit 99.10**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| OBX2025J3004 |  |  | $XXXXXX D A B |
| OBX2025J3006 |  |  | $XXXXXX C B A |
| OBX2025J3028 |  |  | $XXXXXX C A |
| OBX2025J3116 |  |  | $XXXXXX C A |
| OBX2025J3019 |  |  | $XXXXXX C A |
| OBX2025J3016 |  |  | $XXXXXX C A |
| OBX2025J3017 |  |  | $XXXXXX D C A |
| OBX2025J3018 |  |  | $XXXXXX C A |
| OBX2025J3012 |  |  | $XXXXXX C A |
| OBX2025J3020 |  |  | $XXXXXX C A |
| OBX2025J3055 |  |  | $XXXXXX C A |
| OBX2025J3011 |  |  | $XXXXXX C A |
| OBX2025J3046 |  |  | $XXXXXX C A |
| OBX2025J3035 |  |  | $XXXXXX C A |
| OBX2025J3022 |  |  | $XXXXXX C A |
| OBX2025J3048 |  |  | $XXXXXX C B A |
| OBX2025J3021 |  |  | $XXXXXX D A |
| OBX2025J3008 |  |  | $XXXXXX C A |
| OBX2025J3042 |  |  | $XXXXXX C A |
| OBX2025J3015 |  |  | $XXXXXX C A |
| OBX2025J3063 |  |  | $XXXXXX D A |
| OBX2025J3056 |  |  | $XXXXXX C A |
| OBX2025J3013 |  |  | $XXXXXX C A |
| OBX2025J3025 |  |  | $XXXXXX C A |
| OBX2025J3041 |  |  | $XXXXXX D A |
| OBX2025J3058 |  |  | $XXXXXX C A |
| OBX2025J3060 |  |  | $XXXXXX C B A |
| OBX2025J3043 |  |  | $XXXXXX C B A |
| OBX2025J3024 |  |  | $XXXXXX C A |
| OBX2025J3251 |  |  | $XXXXXX C A |
| OBX2025J3057 |  |  | $XXXXXX C A |
| OBX2025J3081 |  |  | $XXXXXX C A |
| OBX2025J3038 |  |  | $XXXXXX D A |
| OBX2025J3065 |  |  | $XXXXXX C A B |
| OBX2025J3029 |  |  | $XXXXXX D A |
| OBX2025J3030 |  |  | $XXXXXX C A B |
| OBX2025J3085 |  |  | $XXXXXX C A |
| OBX2025J3033 |  |  | $XXXXXX C A |
| OBX2025J3100 |  |  | $XXXXXX C A |
| OBX2025J3034 |  |  | $XXXXXX C A |
| OBX2025J3127 |  |  | $XXXXXX C A |
| OBX2025J3036 |  |  | $XXXXXX C A |
| OBX2025J3044 |  |  | $XXXXXX C A |
| OBX2025J3061 |  |  | $XXXXXX C A B |
| OBX2025J3075 |  |  | $XXXXXX C A |
| OBX2025J3094 |  |  | $XXXXXX C A |
| OBX2025J3090 |  |  | $XXXXXX C A B |
| OBX2025J3066 |  |  | $XXXXXX C A |
| OBX2025J3067 |  |  | $XXXXXX C A |
| OBX2025J3252 |  |  | $XXXXXX C A |
| OBX2025J3083 |  |  | $XXXXXX C A |
| OBX2025J3068 |  |  | $XXXXXX C A |
| OBX2025J3074 |  |  | $XXXXXX C A |
| OBX2025J3113 |  |  | $XXXXXX C A |
| OBX2025J3032 |  |  | $XXXXXX C A |
| OBX2025J3098 |  |  | $XXXXXX C A |
| OBX2025J3147 |  |  | $XXXXXX C B A |
| OBX2025J3077 |  |  | $XXXXXX C A |
| OBX2025J3112 |  |  | $XXXXXX C A |
| OBX2025J3050 |  |  | $XXXXXX C A |
| OBX2025J3040 |  |  | $XXXXXX C A |
| OBX2025J3125 |  |  | $XXXXXX C A |
| OBX2025J3051 |  |  | $XXXXXX C A |
| OBX2025J3037 |  |  | $XXXXXX C A |
| OBX2025J3091 |  |  | $XXXXXX C A |
| OBX2025J3115 |  |  | $XXXXXX C A |
| OBX2025J3052 |  |  | $XXXXXX D A |
| OBX2025J3062 |  |  | $XXXXXX D C A |
| OBX2025J3120 |  |  | $XXXXXX C A |
| OBX2025J3142 |  |  | $XXXXXX C A |
| OBX2025J3045 |  |  | $XXXXXX C A |
| OBX2025J3163 |  |  | $XXXXXX C A |
| OBX2025J3027 |  |  | $XXXXXX C B A |
| OBX2025J3129 |  |  | $XXXXXX C A |
| OBX2025J3080 |  |  | $XXXXXX C A |
| OBX2025J3121 |  |  | $XXXXXX C A |
| OBX2025J3088 |  |  | $XXXXXX C A |
| OBX2025J3076 |  |  | $XXXXXX D A |
| OBX2025J3108 |  |  | $XXXXXX C A |
| OBX2025J3103 |  |  | $XXXXXX C A |
| OBX2025J3097 |  |  | $XXXXXX C A |
| OBX2025J3039 |  |  | $XXXXXX C A |
| OBX2025J3134 |  |  | $XXXXXX C A |
| OBX2025J3150 |  |  | $XXXXXX C A |
| OBX2025J3101 |  |  | $XXXXXX C A |
| OBX2025J3089 |  |  | $XXXXXX C A |
| OBX2025J3110 |  |  | $XXXXXX C A |
| OBX2025J3111 |  |  | $XXXXXX C A |
| OBX2025J3148 |  |  | $XXXXXX D B A |
| OBX2025J3160 |  |  | $XXXXXX C B A |
| OBX2025J3053 |  |  | $XXXXXX C A |
| OBX2025J3072 |  |  | $XXXXXX C A |
| OBX2025J3093 |  |  | $XXXXXX C B A |
| OBX2025J3104 |  |  | $XXXXXX C A |
| OBX2025J3149 |  |  | $XXXXXX C A |
| OBX2025J3059 |  |  | $XXXXXX C A |
| OBX2025J3184 |  |  | $XXXXXX C A |
| OBX2025J3158 |  |  | $XXXXXX C A |
| OBX2025J3167 |  |  | $XXXXXX C A |
| OBX2025J3023 |  |  | $XXXXXX C A |
| OBX2025J3141 |  |  | $XXXXXX D B A |
| OBX2025J3196 |  |  | $XXXXXX C A |
| OBX2025J3095 |  |  | $XXXXXX C A |
| OBX2025J3099 |  |  | $XXXXXX C A |
| OBX2025J3137 |  |  | $XXXXXX C A |
| OBX2025J3109 |  |  | $XXXXXX C B A |
| OBX2025J3197 |  |  | $XXXXXX C A |
| OBX2025J3165 |  |  | $XXXXXX C A |
| OBX2025J3130 |  |  | $XXXXXX C A |
| OBX2025J3132 |  |  | $XXXXXX C A |
| OBX2025J3162 |  |  | $XXXXXX C A |
| OBX2025J3073 |  |  | $XXXXXX D A |
| OBX2025J3154 |  |  | $XXXXXX C B A |
| OBX2025J3194 |  |  | $XXXXXX D A |
| OBX2025J3140 |  |  | $XXXXXX C A |
| OBX2025J3204 |  |  | $XXXXXX C A |
| OBX2025J3064 |  |  | $XXXXXX C A |
| OBX2025J3119 |  |  | $XXXXXX C A |
| OBX2025J3172 |  |  | $XXXXXX C A |
| OBX2025J3173 |  |  | $XXXXXX C A |
| OBX2025J3124 |  |  | $XXXXXX C A |
| OBX2025J3228 |  |  | $XXXXXX C A |
| OBX2025J3117 |  |  | $XXXXXX C A |
| OBX2025J3139 |  |  | $XXXXXX C A |
| OBX2025J3213 |  |  | $XXXXXX C A |
| OBX2025J3031 |  |  | $XXXXXX D A |
| OBX2025J3131 |  |  | $XXXXXX C A |
| OBX2025J3181 |  |  | $XXXXXX C A |
| OBX2025J3208 |  |  | $XXXXXX C A |
| OBX2025J3096 |  |  | $XXXXXX C A |
| OBX2025J3171 |  |  | $XXXXXX C A |
| OBX2025J3054 |  |  | $XXXXXX C A |
| OBX2025J3145 |  |  | $XXXXXX C A |
| OBX2025J3161 |  |  | $XXXXXX D A |
| OBX2025J3146 |  |  | $XXXXXX C A |
| OBX2025J3195 |  |  | $XXXXXX D A |
| OBX2025J3143 |  |  | $XXXXXX C A |
| OBX2025J3180 |  |  | $XXXXXX C A |
| OBX2025J3178 |  |  | $XXXXXX C A |
| OBX2025J3206 |  |  | $XXXXXX C A |
| OBX2025J3079 |  |  | $XXXXXX C A |
| OBX2025J3159 |  |  | $XXXXXX C A |
| OBX2025J3144 |  |  | $XXXXXX C B A |
| OBX2025J3186 |  |  | $XXXXXX C B A |
| OBX2025J3192 |  |  | $XXXXXX C A |
| OBX2025J3136 |  |  | $XXXXXX C A |
| OBX2025J3221 |  |  | $XXXXXX C A |
| OBX2025J3210 |  |  | $XXXXXX C A |
| OBX2025J3220 |  |  | $XXXXXX C A |
| OBX2025J3235 |  |  | $XXXXXX C A |
| OBX2025J3123 |  |  | $XXXXXX C B A |
| OBX2025J3168 |  |  | $XXXXXX C A |
| OBX2025J3262 |  |  | $XXXXXX D A C |
| OBX2025J3005 |  |  | $XXXXXX C A |
| OBX2025J3198 |  |  | $XXXXXX C A |
| OBX2025J3170 |  |  | $XXXXXX D B A |
| OBX2025J3223 |  |  | $XXXXXX D A |
| OBX2025J3069 |  |  | $XXXXXX C A |
| OBX2025J3164 |  |  | $XXXXXX C A |
| OBX2025J3179 |  |  | $XXXXXX C A |
| OBX2025J3128 |  |  | $XXXXXX C A |
| OBX2025J3049 |  |  | $XXXXXX C A |
| OBX2025J3126 |  |  | $XXXXXX C A |
| OBX2025J3157 |  |  | $XXXXXX C A |
| OBX2025J3078 |  |  | $XXXXXX C A |
| OBX2025J3107 |  |  | $XXXXXX C B A |
| OBX2025J3155 |  |  | $XXXXXX D A |
| OBX2025J3211 |  |  | $XXXXXX C A |
| OBX2025J3214 |  |  | $XXXXXX C A |
| OBX2025J3193 |  |  | $XXXXXX C A |
| OBX2025J3185 |  |  | $XXXXXX C A |
| OBX2025J3070 |  |  | $XXXXXX C B A |
| OBX2025J3207 |  |  | $XXXXXX D A |
| OBX2025J3201 |  |  | $XXXXXX C A |
| OBX2025J3156 |  |  | $XXXXXX C A |
| OBX2025J3174 |  |  | $XXXXXX D B A |
| OBX2025J3166 |  |  | $XXXXXX C A |
| OBX2025J3122 |  |  | $XXXXXX C A |
| OBX2025J3138 |  |  | $XXXXXX C A B |
| OBX2025J3212 |  |  | $XXXXXX C A |
| OBX2025J3239 |  |  | $XXXXXX C A |
| OBX2025J3203 |  |  | $XXXXXX C A |
| OBX2025J3219 |  |  | $XXXXXX D A |
| OBX2025J3255 |  |  | $XXXXXX C B A |
| OBX2025J3250 |  |  | $XXXXXX C A |
| OBX2025J3269 |  |  | $XXXXXX C A |
| OBX2025J3230 |  |  | $XXXXXX D C A |
| OBX2025J3246 |  |  | $XXXXXX D A |
| OBX2025J3217 |  |  | $XXXXXX C A |
| OBX2025J3191 |  |  | $XXXXXX C A |
| OBX2025J3227 |  |  | $XXXXXX C A |
| OBX2025J3102 |  |  | $XXXXXX C A |
| OBX2025J3084 |  |  | $XXXXXX C B A |
| OBX2025J3232 |  |  | $XXXXXX C A |
| OBX2025J3224 |  |  | $XXXXXX C A |
| OBX2025J3183 |  |  | $XXXXXX C A |
| OBX2025J3169 |  |  | $XXXXXX C A |
| OBX2025J3187 |  |  | $XXXXXX D A |
| OBX2025J3240 |  |  | $XXXXXX C A |
| OBX2025J3182 |  |  | $XXXXXX C A |
| OBX2025J3175 |  |  | $XXXXXX C A |
| OBX2025J3225 |  |  | $XXXXXX C A |
| OBX2025J3176 |  |  | $XXXXXX D A |
| OBX2025J3256 |  |  | $XXXXXX C B A |
| OBX2025J3135 |  |  | $XXXXXX C A |
| OBX2025J3276 |  |  | $XXXXXX C A |
| OBX2025J3200 |  |  | $XXXXXX D B A |
| OBX2025J3205 |  |  | $XXXXXX C A |
| OBX2025J3215 |  |  | $XXXXXX C A |
| OBX2025J3283 |  |  | $XXXXXX C A |
| OBX2025J3286 |  |  | $XXXXXX C A |
| OBX2025J3153 |  |  | $XXXXXX C A |
| OBX2025J3238 |  |  | $XXXXXX C A |
| OBX2025J3133 |  |  | $XXXXXX C A |
| OBX2025J3288 |  |  | $XXXXXX C A |
| OBX2025J3292 |  |  | $XXXXXX C A |
| OBX2025J3259 |  |  | $XXXXXX C A |
| OBX2025J3209 |  |  | $XXXXXX C A |
| OBX2025J3218 |  |  | $XXXXXX C B A |
| OBX2025J3291 |  |  | $XXXXXX C A |
| OBX2025J3244 |  |  | $XXXXXX C A |
| OBX2025J3254 |  |  | $XXXXXX C A |
| OBX2025J3243 |  |  | $XXXXXX C A |
| OBX2025J3152 |  |  | $XXXXXX C A |
| OBX2025J3242 |  |  | $XXXXXX C A |
| OBX2025J3249 |  |  | $XXXXXX C A |
| OBX2025J3264 |  |  | $XXXXXX C A |
| OBX2025J3299 |  |  | $XXXXXX C B A |
| OBX2025J3293 |  |  | $XXXXXX C A |
| OBX2025J3285 |  |  | $XXXXXX C A |
| OBX2025J3247 |  |  | $XXXXXX C A |
| OBX2025J3282 |  |  | $XXXXXX C A |
| OBX2025J3289 |  |  | $XXXXXX C A |
| OBX2025J3308 |  |  | $XXXXXX C B A |
| OBX2025J3241 |  |  | $XXXXXX C A |
| OBX2025J3306 |  |  | $XXXXXX D A |
| OBX2025J3294 |  |  | $XXXXXX D C A |
| OBX2025J3272 |  |  | $XXXXXX C A |
| OBX2025J3226 |  |  | $XXXXXX C A |
| OBX2025J3274 |  |  | $XXXXXX C A |
| OBX2025J3307 |  |  | $XXXXXX C A |
| OBX2025J3199 |  |  | $XXXXXX C A |
| OBX2025J3268 |  |  | $XXXXXX C A |
| OBX2025J3301 |  |  | $XXXXXX C A |
| OBX2025J3267 |  |  | $XXXXXX C A |
| OBX2025J3234 |  |  | $XXXXXX D A |
| OBX2025J3261 |  |  | $XXXXXX D A |
| OBX2025J3273 |  |  | $XXXXXX C A |
| OBX2025J3300 |  |  | $XXXXXX C A |
| OBX2025J3284 |  |  | $XXXXXX C A |
| OBX2025J3237 |  |  | $XXXXXX D A |
| OBX2025J3279 |  |  | $XXXXXX C B A |
| OBX2025J3258 |  |  | $XXXXXX C A |
| OBX2025J3302 |  |  | $XXXXXX D A |
| OBX2025J3229 |  |  | $XXXXXX C B A |
| OBX2025J3266 |  |  | $XXXXXX C A |
| OBX2025J3222 |  |  | $XXXXXX C A |
| OBX2025J3297 |  |  | $XXXXXX C A |
| OBX2025J3086 |  |  | $XXXXXX C A |
| OBX2025J3271 |  |  | $XXXXXX C A |
| OBX2025J3263 |  |  | $XXXXXX C A |
| OBX2025J3305 |  |  | $XXXXXX C A |
| OBX2025J3233 |  |  | $XXXXXX C A |
| OBX2025J3280 |  |  | $XXXXXX D A |
| OBX2025J3296 |  |  | $XXXXXX C A |
| OBX2025J3277 |  |  | $XXXXXX C A |
| OBX2025J3278 |  |  | $XXXXXX C A |
| OBX2025J3281 |  |  | $XXXXXX C A |
| OBX2025J3287 |  |  | $XXXXXX C A |
| OBX2025J3290 |  |  | $XXXXXX C A |
| OBX2025J3298 |  |  | $XXXXXX C A |
| OBX2025J3303 |  |  | $XXXXXX C A |
| OBX2025J3304 |  |  | $XXXXXX D C A |
| OBX2025J3275 |  |  | $XXXXXX C A |
| OBX2025J3257 |  |  | $XXXXXX C A |
| OBX2025J3260 |  |  | $XXXXXX C A |
| OBX2025J3265 |  |  | $XXXXXX C A |
| OBX2025J3236 |  |  | $XXXXXX C A |
| OBX2025J3270 |  |  | $XXXXXX C A |
| OBX2025J3295 |  |  | $XXXXXX C A |
| OBX2025J3248 |  |  | $XXXXXX C A |
| OBX2025J3002 |  | XXXXX | $XXXXXX D B A |
| OBX2025J3003 |  | XXXXX | $XXXXXX D A |
| OBX2025J3001 |  | XXXXX | $XXXXXX D A |

---

## Exhibit 99.11

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| OBX2025J3004 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 40.72 | 40.72 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J3006 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J3028 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3116 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.78 | 48.78 | $XXX | $XXX | -.2377 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.2377 | 86.0 | 0.14 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3019 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2025J3016 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3017 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0833 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.024 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2025J3018 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0113 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0113 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| OBX2025J3012 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.08 | 72.08 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| OBX2025J3020 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3055 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.33 | 58.33 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J3011 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3046 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| OBX2025J3035 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0671 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0671 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.8 |  |
| OBX2025J3022 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3048 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2025J3021 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0462 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0462 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3008 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.91 | 58.91 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J3042 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.19 | 76.19 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3015 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2025J3063 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| OBX2025J3056 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.38 | 72.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2025J3013 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.94 | 73.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3025 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.94 | 73.94 | $XXX | $XXX | -.0554 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.055 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3041 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0236 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2025J3058 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J3060 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3043 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| OBX2025J3024 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.0 | 66.0 | $XXX | $XXX | .5333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .5333 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3251 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.98 | 67.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J3057 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.82 | 58.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| OBX2025J3081 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3038 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.58 | 74.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3065 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.68 | 65.68 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| OBX2025J3029 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.06 | 74.06 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| OBX2025J3030 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| OBX2025J3085 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J3033 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3100 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2025J3034 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2025J3127 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2025J3036 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.96 | 79.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2025J3044 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2025J3061 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3075 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3094 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.97 | 74.97 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2025J3066 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2025J3067 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| OBX2025J3252 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.35 | 74.35 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J3083 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3068 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| OBX2025J3074 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.86 | 67.86 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J3113 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3032 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.54 | 77.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J3098 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3147 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J3077 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.1 | 50.1 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J3112 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3050 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.62 | 58.62 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2025J3040 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| OBX2025J3125 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.79 | 79.79 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| OBX2025J3051 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| OBX2025J3037 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J3091 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3115 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J3052 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0151 | Desk Review |  |  |  |  | $XXX | $XXX | -.0151 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0151 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J3062 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0140 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3120 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3142 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.0 | 77.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3045 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3163 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| OBX2025J3027 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| OBX2025J3129 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J3080 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.81 | 69.81 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2025J3121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2025J3088 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2025J3076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3108 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.78 | 77.78 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J3103 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| OBX2025J3097 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| OBX2025J3039 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.95 | 75.95 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2025J3134 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2025J3150 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.49 | 55.49 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2025J3101 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J3089 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| OBX2025J3110 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.64 | 74.64 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3111 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 76.47 | 76.47 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3148 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3160 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| OBX2025J3053 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| OBX2025J3072 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3093 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3104 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| OBX2025J3149 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3059 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | 1004 URAR | $XXX | 64.94 | 64.94 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3184 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3158 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.18 | 68.18 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2025J3167 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.02 | 73.02 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| OBX2025J3023 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3141 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J3196 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3095 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.93 | 75.93 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2025J3099 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J3137 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J3109 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.54 | 42.54 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| OBX2025J3197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2025J3165 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.0 | 77.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J3130 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3132 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3162 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| OBX2025J3073 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.78 | 60.78 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| OBX2025J3154 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| OBX2025J3194 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.29 | 72.29 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| OBX2025J3140 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J3204 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.43 | 72.43 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3064 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.82 | 43.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3119 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3172 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| OBX2025J3173 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.62 | 74.62 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2025J3124 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2025J3228 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3117 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J3139 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2025J3213 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3031 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | -.0313 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0312 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3131 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.63 | 79.63 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3181 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3208 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3096 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J3171 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.65 | 74.65 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3054 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.72 | 71.72 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J3145 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| OBX2025J3161 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2025J3146 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.55 | 54.55 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J3195 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0372 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0372 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| OBX2025J3143 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.38 | 76.38 | $XXX | $XXX | -.0157 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0157 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3180 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2025J3178 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.02 | 59.02 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| OBX2025J3206 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.98 | 79.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3079 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.58 | 78.58 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| OBX2025J3159 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J3144 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2025J3186 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3192 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.13 | 79.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2025J3136 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.22 | 68.22 |  |  |  |  | $XXX | $XXX | -.0329 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0329 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3221 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.35 | 68.35 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2025J3210 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.97 | 79.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3220 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.2 | 60.2 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3235 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.14 | 41.14 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3123 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.59 | 70.59 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2025J3168 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2025J3262 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| OBX2025J3005 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J3198 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J3170 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3223 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J3069 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| OBX2025J3164 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.33 | 71.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3179 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.16 | 66.16 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3128 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| OBX2025J3049 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| OBX2025J3126 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2025J3157 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.46 | 62.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3078 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3107 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.84 | 71.84 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| OBX2025J3155 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.21 | 63.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J3211 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2025J3214 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| OBX2025J3193 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J3185 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3070 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3207 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | -.0033 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0033 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J3201 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.09 | 77.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J3156 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| OBX2025J3174 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3166 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| OBX2025J3122 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3138 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| OBX2025J3212 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3239 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.92 | 60.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| OBX2025J3203 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38.61 | 38.61 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3219 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| OBX2025J3255 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| OBX2025J3250 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| OBX2025J3269 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.0 | 72.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3230 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2025J3246 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 43.69 | 43.69 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| OBX2025J3217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3191 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3227 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.11 | 61.11 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J3102 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.08 | 73.08 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J3084 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3232 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.9 | 51.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2025J3224 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2025J3183 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.6 | 74.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J3169 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| OBX2025J3187 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.88 | 55.88 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2025J3240 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.96 | 74.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J3182 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J3175 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2025J3225 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J3176 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3256 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3135 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.26 | 78.26 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3276 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.56 | 55.56 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| OBX2025J3200 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3205 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3215 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3283 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.69 | 79.69 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2025J3286 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J3153 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.41 | 63.41 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| OBX2025J3238 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| OBX2025J3133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.74 | 69.74 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J3288 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3292 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J3209 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J3218 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2025J3291 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| OBX2025J3244 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.24 | 43.24 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2025J3254 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.0 | 77.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| OBX2025J3243 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 3.4 |  |
| OBX2025J3152 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0017 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| OBX2025J3242 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3249 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.88 | 65.88 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| OBX2025J3264 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.38 | 70.38 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2025J3299 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2025J3293 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| OBX2025J3285 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J3247 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J3282 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| OBX2025J3289 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2025J3308 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2025J3241 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| OBX2025J3306 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  | $XXX | $XXX | .0582 | 96.0 | 0.04 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J3294 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  | $XXX | $XXX | .0004 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3272 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3226 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.0 | 72.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0038 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3274 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J3307 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J3199 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.36 | 70.36 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2025J3268 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3301 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.87 | 74.87 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3267 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  | $XXX | $XXX | -.1795 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1795 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3234 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.47 | 67.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J3261 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.54 | 63.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| OBX2025J3273 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3300 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J3284 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2025J3237 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2025J3279 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3258 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3302 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2025J3229 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.74 | 67.74 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3266 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.19 | 55.19 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J3222 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX |  | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| OBX2025J3297 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.02 | 54.02 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3086 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2025J3271 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3263 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.04 | 64.04 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| OBX2025J3305 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| OBX2025J3233 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2025J3280 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3296 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3277 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| OBX2025J3278 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.3 | 64.3 |  |  |  |  | $XXX | $XXX | -.0234 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0234 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3281 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2025J3287 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.22 | 72.22 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J3290 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  | $XXX | $XXX | .0277 | 92.0 | 0.08 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2025J3298 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| OBX2025J3303 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | -.0012 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0012 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J3304 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.79 | 65.79 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| OBX2025J3275 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3257 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.42 | 74.42 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| OBX2025J3260 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J3265 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.0 | 68.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2025J3236 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3270 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J3295 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.66 | 77.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J3248 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.86 | 62.86 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J3001 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J3002 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.11 | 61.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J3003 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.93 | 73.93 | $XXX | $XXX | -0.0574 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | #VALUE! | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |

---

## Exhibit 99.12

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Non-Permanent Resident Alien Borrower 1** | **Foreign National Borrower 1** | **US Citizen Borrower 2** | **Permanent Resident Alien Borrower 2** | **Non-Permanent Resident Alien Borrower 2** | **Foreign National Borrower 2** | **US Citizen Borrower 3** | **Permanent Resident Alien Borrower 3** | **Non-Permanent Resident Alien Borrower 3** | **Foreign National Borrower 3** | **US Citizen Borrower 4** | **Permanent Resident Alien Borrower 4** | **Non-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** |
| OBX2025J3004 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3006 | 1 | Yes | DU | Yes | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3028 | 1 | Yes | DU | Yes | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3116 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Retired |  |  | Yes | Yes | No | No | QM: Safe Harbor APOR (APOR SH) |  | 86 | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3019 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3016 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3017 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3018 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3012 | 1 | Yes | DU | Yes | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3020 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3055 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3011 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3046 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3035 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3022 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3048 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3021 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3008 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3042 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3015 | 2 | Yes | DU | No | No |  | Yes | No | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3063 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3056 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3013 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3025 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3041 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3058 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3060 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3043 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3024 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3251 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3057 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3081 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3038 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3065 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3029 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.9 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3030 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3085 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3033 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3100 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3034 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.3 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3127 | 2 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3036 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3044 | 2 | Yes | LPA | Yes | No |  | No | Yes | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3061 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3075 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3094 | 2 | Yes | DU | No | Yes | XXX | No | Yes | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3090 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3066 | 2 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3067 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3252 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3083 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3068 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3074 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3113 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3032 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3098 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3147 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3077 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3112 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3050 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3040 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3125 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3051 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3037 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3091 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3115 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3052 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3062 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3120 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3142 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3045 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3163 | 2 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3027 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3129 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | Yes | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3080 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3121 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3088 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3076 | 3 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Employed | Employed |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3108 | 3 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Employed | Employed |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3103 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3097 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3039 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3134 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3150 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3101 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3089 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3110 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3111 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3148 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3160 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.8 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3053 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3072 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3093 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3104 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3149 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3059 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3184 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3158 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3167 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.7 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3023 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3141 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3196 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3095 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3099 | 1 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3137 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3109 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3197 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3165 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3130 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3132 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3162 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3073 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3154 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3194 | 1 | Yes | DU | Yes | No |  | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3140 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3204 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3064 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3119 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3172 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3173 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3124 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3228 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3117 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3139 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3213 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3031 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3131 | 2 | Yes | DU | No | No |  | No | Yes | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3181 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3208 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3096 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3171 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3054 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3145 | 1 | Yes | DU | No | Yes | XXX | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.8 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3161 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3146 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3195 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3143 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Not Employed |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3180 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3178 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3206 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3079 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3159 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3144 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3186 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3192 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3136 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3221 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3210 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3220 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3235 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3123 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.8 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3168 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3262 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3005 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3198 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3170 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3223 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3069 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.7 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3164 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3179 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3128 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3049 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3126 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3157 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3078 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3107 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3155 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3211 | 3 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Retired | Retired |  | No | Yes | Yes | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3214 | 1 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3193 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3185 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3070 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3207 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3201 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3156 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3174 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3166 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3122 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3138 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3212 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3239 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3203 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3219 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3255 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3250 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3269 | 3 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Not Employed | Not Employed |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3230 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3246 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3217 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3191 | 2 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3227 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | Yes | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3102 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3084 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3232 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3224 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3183 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3169 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3187 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3240 | 2 | Yes | LPA | No | Yes | XXX | No | Yes | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3182 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3175 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3225 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3176 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3256 | 3 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Retired | Retired |  | No | Yes | Yes | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3135 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3276 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3200 | 4 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Employed | Employed | Employed | Employed | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3205 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3215 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3283 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3286 | 3 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Not Employed | Retired | Employed |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3153 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3238 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3133 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3288 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3292 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3259 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3209 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3218 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3291 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3244 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3254 | 1 | Yes | DU | No | Yes | XXX | No | No | Yes | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3243 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3152 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3242 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3249 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3264 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3299 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3293 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3285 | 2 | Yes | LPA | No | Yes | XXX | No | Yes | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3247 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3282 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Retired |  |  | Yes | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3289 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3308 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3241 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3306 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 | 96 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3294 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 | 90 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3272 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3226 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3274 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3307 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3199 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3268 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3301 | 1 | Yes | LPA | No | Yes |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3267 | 1 | Yes | LPA | Yes | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3234 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3261 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3273 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3300 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3284 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3237 | 2 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3279 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3258 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3302 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3229 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3266 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3222 | 4 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Employed | Not Employed | Employed | Retired | No | No | No | Yes | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3297 | 3 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Not Employed | Employed |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3086 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.3 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3271 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3263 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3305 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3233 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3280 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3296 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3277 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3278 | 1 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3281 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3287 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Retired |  |  | Yes | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 4.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3290 | 2 | Yes | DU | No | No |  | Yes | No | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 | 92 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3298 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3303 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3304 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3275 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3257 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3260 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3265 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3236 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3270 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3295 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J3248 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3001 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No |  |  | Safe Harbor QM (APOR) |  |  | No | N/A | N/A | N/A | N/A |  | Not Applicable |
| OBX2025J3002 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  | No |  |  |  | Safe Harbor QM (APOR) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J3003 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No |  |  |  | Safe Harbor QM (APOR) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |

---

## Exhibit 99.13

**Exhibit 99.13**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Final QM Status** | **QM Total Points and Fees** | **APR** | **Residual Income** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** |
| OBX2025J3004 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7492.35 | 6.456 | 8158.91 | Employed | Employed | No | No |
| OBX2025J3006 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.43 | 24687.55 | Employed |  | No |  |
| OBX2025J3028 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5088.27 | 6.846 | 8567.97 | Not Employed |  | No |  |
| OBX2025J3116 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1574 | 6.395 | 12471.85 | Retired | Retired | No | No |
| OBX2025J3019 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23318.98 | 7.089 | 15317.57 | Retired |  | No |  |
| OBX2025J3016 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10127.98 | 6.486 | 45031.84 | Employed |  | No |  |
| OBX2025J3017 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11095 | 6.969 | 16213.76 | Employed | Not Employed | No | No |
| OBX2025J3018 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10694.72 | 6.896 | 21605.24 | Employed | Not Employed | No | No |
| OBX2025J3012 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5952.5 | 7.081 | 12873.2 | Employed |  | No |  |
| OBX2025J3020 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6195.16 | 6.442 | 45076.83 | Employed |  | No |  |
| OBX2025J3055 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16180 | 6.359 | 38868.36 | Employed |  | No |  |
| OBX2025J3011 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1845 | 6.407 | 30628.94 | Employed | Retired | No | No |
| OBX2025J3046 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11093.2 | 6.881 | 19037.63 | Employed | Employed | No | No |
| OBX2025J3035 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1895 | 6.898 | 14231.61 | Employed |  | No |  |
| OBX2025J3022 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8891.5 | 6.468 | 21285.47 | Employed | Employed | No | No |
| OBX2025J3048 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1625 | 6.652 | 20315.83 | Employed |  | No |  |
| OBX2025J3021 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6186.42 | 6.304 | 16436.57 | Employed | Employed | No | No |
| OBX2025J3008 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2675.58 | 6.536 | 48911.41 | Employed | Not Employed | No | No |
| OBX2025J3042 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25000 | 7.426 | 72560.49 | Employed |  | No |  |
| OBX2025J3015 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1299 | 6.557 | 20008.02 | Employed | Not Employed | No | No |
| OBX2025J3063 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6748.6 | 7.316 | 14707.54 | Employed |  | No |  |
| OBX2025J3056 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13243.37 | 6.508 | 12426.88 | Employed | Employed | No | No |
| OBX2025J3013 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 895 | 6.769 | 24263.92 | Employed | Employed | No | No |
| OBX2025J3025 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12149 | 7.27 | 12808.28 | Employed |  | No |  |
| OBX2025J3041 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1756 | 7.017 | 31027.52 | Retired |  | No |  |
| OBX2025J3058 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4825 | 6.807 | 19572.2 | Employed | Not Employed | No | No |
| OBX2025J3060 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3790.88 | 7.051 | 305693.62 | Employed |  | No |  |
| OBX2025J3043 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1545 | 6.771 | 54285.97 | Employed | Not Employed | No | No |
| OBX2025J3024 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 90 | 6.639 | 10999.15 | Employed |  | No |  |
| OBX2025J3251 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5656.62 | 6.948 | 25584.3 | Employed | Employed | No | No |
| OBX2025J3057 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2055 | 7.036 | 27031.23 | Employed |  | No |  |
| OBX2025J3081 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6193.67 | 7.077 | 10190.22 | Employed |  | No |  |
| OBX2025J3038 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2622.35 | 7.292 | 10080.06 | Employed | Employed | No | No |
| OBX2025J3065 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1694 | 7.012 | 47982.91 | Employed |  | No |  |
| OBX2025J3029 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14460.58 | 6.731 | 12486.13 | Employed |  | No |  |
| OBX2025J3030 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10015 | 6.879 | 15293.14 | Employed |  | No |  |
| OBX2025J3085 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.68 | 6.677 | 24383.87 | Employed | Not Employed | No | No |
| OBX2025J3033 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.64 | 27426.49 | Employed | Employed | No | No |
| OBX2025J3100 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 39353 | 7.325 | 23038.58 | Employed | Not Employed | No | No |
| OBX2025J3034 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 27500 | 7.361 | 15923.76 | Employed | Employed | No | No |
| OBX2025J3127 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8481.8 | 6.986 | 19428.58 | Employed | Employed | No | No |
| OBX2025J3036 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10442.05 | 7.105 | 27358.05 | Employed |  | No |  |
| OBX2025J3044 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2310 | 6.407 | 14842.59 | Employed | Employed | No | No |
| OBX2025J3061 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5934.52 | 6.728 | 29203.35 | Employed | Employed | No | No |
| OBX2025J3075 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11134.4 | 6.891 | 9306.49 | Employed | Employed | No | No |
| OBX2025J3094 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.777 | 31676.43 | Employed | Employed | No | No |
| OBX2025J3090 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 7.156 | 30518.22 | Employed |  | No |  |
| OBX2025J3066 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1923.95 | 7.052 | 13571.26 | Employed | Employed | No | No |
| OBX2025J3067 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4999.68 | 6.806 | 20851.44 | Employed | Not Employed | No | No |
| OBX2025J3252 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.789 | 39405.81 | Employed | Employed | No | No |
| OBX2025J3083 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2890 | 7.418 | 67746.62 | Employed |  | No |  |
| OBX2025J3068 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.899 | 23778.46 | Employed | Employed | No | No |
| OBX2025J3074 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12665 | 6.522 | 18789.39 | Employed | Employed | No | No |
| OBX2025J3113 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.904 | 19514.39 | Employed |  | No |  |
| OBX2025J3032 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9999.84 | 7.12 | 15854.95 | Employed | Not Employed | No | No |
| OBX2025J3098 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 27390 | 7.095 | 27111.21 | Employed | Employed | No | No |
| OBX2025J3147 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 7.023 | 21418.76 | Employed | Employed | No | No |
| OBX2025J3077 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11193.75 | 6.718 | 17329.57 | Employed | Employed | No | No |
| OBX2025J3112 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14950 | 7.388 | 70240.43 | Employed | Employed | No | No |
| OBX2025J3050 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.516 | 25015.02 | Employed | Employed | No | No |
| OBX2025J3040 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1845 | 6.679 | 29591.73 | Employed | Employed | No | No |
| OBX2025J3125 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18649.27 | 6.822 | 26606.24 | Employed | Employed | No | No |
| OBX2025J3051 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.787 | 25170.08 | Employed | Employed | No | No |
| OBX2025J3037 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7852 | 6.829 | 32714.07 | Employed |  | No |  |
| OBX2025J3091 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.777 | 20342.58 | Employed | Employed | No | No |
| OBX2025J3115 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15386.66 | 6.556 | 17352.05 | Employed | Employed | No | No |
| OBX2025J3052 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4870.5 | 6.269 | 68951.35 | Employed |  | No |  |
| OBX2025J3062 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.637 | 25998.32 | Employed | Employed | No | No |
| OBX2025J3120 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2360 | 7.17 | 11818.3 | Retired |  | No |  |
| OBX2025J3142 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6004.65 | 6.839 | 21439.64 | Employed | Employed | No | No |
| OBX2025J3045 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12976.6 | 6.522 | 34769.01 | Employed | Not Employed | No | No |
| OBX2025J3163 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12516.86 | 7.046 | 27554.37 | Employed | Employed | No | No |
| OBX2025J3027 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 31995 | 6.522 | 17439.86 | Employed |  | No |  |
| OBX2025J3129 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14582.5 | 7.224 | 45642.69 | Employed | Employed | No | No |
| OBX2025J3080 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1928.25 | 6.915 | 65706.39 | Not Employed |  | No |  |
| OBX2025J3121 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194 | 6.83 | 26230.65 | Employed | Employed | No | No |
| OBX2025J3088 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21307.87 | 6.903 | 16014.58 | Employed | Employed | No | No |
| OBX2025J3076 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23035.98 | 7.644 | 16867.45 | Employed | Employed | No | No |
| OBX2025J3108 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20000 | 7.452 | 31096.13 | Employed | Employed | No | No |
| OBX2025J3103 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.72 | 6.721 | 19088.02 | Employed |  | No |  |
| OBX2025J3097 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8515.36 | 6.326 | 11781.31 | Employed |  | No |  |
| OBX2025J3039 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1350 | 7.142 | 15422.67 | Employed |  | No |  |
| OBX2025J3134 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14630 | 6.884 | 22296.91 | Employed | Employed | No | No |
| OBX2025J3150 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 7.004 | 18466.99 | Employed | Employed | No | No |
| OBX2025J3101 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.782 | 20162.86 | Employed | Employed | No | No |
| OBX2025J3089 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2570 | 6.939 | 61875.84 | Employed |  | No |  |
| OBX2025J3110 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9999.24 | 6.777 | 31279.31 | Employed |  | No |  |
| OBX2025J3111 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 36945 | 7.688 | 20507.83 | Employed |  | No |  |
| OBX2025J3148 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 7.012 | 46003.43 | Employed | Not Employed | No | No |
| OBX2025J3160 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4675 | 6.939 | 14636.73 | Employed |  | No |  |
| OBX2025J3053 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11193.86 | 6.82 | 42709.7 | Employed | Employed | No | No |
| OBX2025J3072 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1750 | 7.015 | 14685.95 | Employed |  | No |  |
| OBX2025J3093 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5029.92 | 6.69 | 7778.84 | Employed | Employed | No | No |
| OBX2025J3104 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5239.79 | 6.641 | 46027.16 | Employed | Retired | No | No |
| OBX2025J3149 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5190 | 6.945 | 25531.43 | Employed |  | No |  |
| OBX2025J3059 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5495 | 6.442 | 20408.99 | Employed |  | No |  |
| OBX2025J3184 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.9 | 26228.09 | Employed | Employed | No | No |
| OBX2025J3158 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 7.399 | 42846.52 | Employed | Not Employed | No | No |
| OBX2025J3167 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 24343.5 | 7.07 | 16295.79 | Employed |  | No |  |
| OBX2025J3023 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2090 | 6.271 | 21574.49 | Employed | Employed | No | No |
| OBX2025J3141 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 120 | 7.099 | 20790.15 | Employed | Employed | No | No |
| OBX2025J3196 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2845 | 7.07 | 30948.7 | Employed | Employed | No | No |
| OBX2025J3095 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5626.34 | 6.817 | 30220.66 | Employed | Employed | No | No |
| OBX2025J3099 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8914.8 | 6.734 | 17715.87 | Employed |  | No |  |
| OBX2025J3137 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21691 | 6.562 | 25340.65 | Employed | Not Employed | No | No |
| OBX2025J3109 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12919 | 7.28 | 20151.57 | Employed | Employed | No | No |
| OBX2025J3197 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10397.5 | 6.74 | 10013.44 | Employed | Employed | No | No |
| OBX2025J3165 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6007.01 | 6.562 | 37141.35 | Employed | Employed | No | No |
| OBX2025J3130 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5000.36 | 6.439 | 18262.25 | Employed | Employed | No | No |
| OBX2025J3132 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7360 | 6.676 | 49729.72 | Employed | Not Employed | No | No |
| OBX2025J3162 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.656 | 13350.75 | Employed |  | No |  |
| OBX2025J3073 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4350.25 | 6.829 | 20483.48 | Employed | Employed | No | No |
| OBX2025J3154 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2190 | 6.911 | 70513.15 | Employed |  | No |  |
| OBX2025J3194 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 29589 | 6.683 | 15192.04 | Employed |  | No |  |
| OBX2025J3140 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10686.06 | 6.998 | 35898.76 | Employed | Employed | No | No |
| OBX2025J3204 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6065 | 6.92 | 32502.68 | Employed |  | No |  |
| OBX2025J3064 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.91 | 18102.37 | Employed | Employed | No | No |
| OBX2025J3119 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4504.4 | 6.952 | 20167.73 | Employed | Not Employed | No | No |
| OBX2025J3172 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.895 | 19928.38 | Employed |  | No |  |
| OBX2025J3173 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 7.177 | 10200.85 | Employed |  | No |  |
| OBX2025J3124 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194.79 | 7.014 | 18869.95 | Employed |  | No |  |
| OBX2025J3228 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.938 | 22056.4 | Employed | Employed | No | No |
| OBX2025J3117 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15750 | 6.881 | 42322.84 | Employed |  | No |  |
| OBX2025J3139 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.523 | 13075.02 | Employed | Employed | No | No |
| OBX2025J3213 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11315 | 7.395 | 14664.79 | Employed | Employed | No | No |
| OBX2025J3031 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6996.6 | 6.549 | 25968.51 | Employed | Employed | No | No |
| OBX2025J3131 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.775 | 11665.47 | Employed | Employed | No | No |
| OBX2025J3181 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3950.91 | 6.671 | 12482.96 | Employed | Not Employed | No | No |
| OBX2025J3208 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.769 | 65733.73 | Employed | Not Employed | No | No |
| OBX2025J3096 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2185 | 7.276 | 14403.45 | Employed |  | No |  |
| OBX2025J3171 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6197.79 | 6.45 | 18838.79 | Employed | Employed | No | No |
| OBX2025J3054 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6195.32 | 6.443 | 21497.11 | Employed |  | No |  |
| OBX2025J3145 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1200 | 7.265 | 14306.39 | Employed |  | No |  |
| OBX2025J3161 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9994.68 | 7.014 | 11683.14 | Employed | Not Employed | No | No |
| OBX2025J3146 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2168 | 6.646 | 95024.2 | Employed |  | No |  |
| OBX2025J3195 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5443 | 6.454 | 22001.84 | Employed | Employed | No | No |
| OBX2025J3143 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 7.274 | 19626.33 | Retired | Not Employed | No | No |
| OBX2025J3180 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1085 | 7.033 | 11048.28 | Employed | Employed | No | No |
| OBX2025J3178 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17970 | 7.004 | 63357.65 | Employed |  | No |  |
| OBX2025J3206 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1871.4 | 7.283 | 26492.49 | Employed | Employed | No | No |
| OBX2025J3079 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10401.18 | 6.69 | 19401.68 | Employed |  | No |  |
| OBX2025J3159 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16062.64 | 6.953 | 12403.76 | Employed | Employed | No | No |
| OBX2025J3144 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18945 | 6.988 | 19170.53 | Employed | Employed | No | No |
| OBX2025J3186 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 6.862 | 17824.78 | Employed | Not Employed | No | No |
| OBX2025J3192 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9192.38 | 6.729 | 11082.14 | Employed | Employed | No | No |
| OBX2025J3136 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5999.44 | 6.921 | 12055.27 | Employed |  | No |  |
| OBX2025J3221 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.85 | 6.567 | 16021.91 | Employed | Employed | No | No |
| OBX2025J3210 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 41752.45 | 7.572 | 17401.13 | Employed | Employed | No | No |
| OBX2025J3220 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.771 | 20008.6 | Employed | Employed | No | No |
| OBX2025J3235 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12519.01 | 6.764 | 12447.55 | Employed | Not Employed | No | No |
| OBX2025J3123 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1120 | 7.035 | 34138.21 | Employed | Not Employed | No | No |
| OBX2025J3168 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15295 | 7.433 | 15126.68 | Employed | Not Employed | No | No |
| OBX2025J3262 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9328.52 | 6.444 | 21857.92 | Employed | Employed | No | No |
| OBX2025J3005 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 31195 | 7.418 | 11701.33 | Employed |  | No |  |
| OBX2025J3198 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9440 | 7.073 | 24134.21 | Employed |  | No |  |
| OBX2025J3170 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1579 | 6.896 | 17606.88 | Employed | Employed | No | No |
| OBX2025J3223 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 32780 | 7.291 | 16706.95 | Employed | Employed | No | No |
| OBX2025J3069 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4470 | 7.045 | 25526.53 | Employed | Employed | No | No |
| OBX2025J3164 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25158.51 | 7.306 | 18258.29 | Employed |  | No |  |
| OBX2025J3179 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11361.57 | 7.005 | 9934.65 | Employed | Retired | No | No |
| OBX2025J3128 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15842.5 | 6.915 | 18999.4 | Employed | Employed | No | No |
| OBX2025J3049 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.882 | 20003.36 | Employed | Not Employed | No | No |
| OBX2025J3126 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6191.87 | 7.068 | 78549.53 | Employed |  | No |  |
| OBX2025J3157 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11989.8 | 6.714 | 15448.99 | Employed | Employed | No | No |
| OBX2025J3078 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5631.96 | 6.808 | 23097.78 | Employed | Employed | No | No |
| OBX2025J3107 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.918 | 21118.77 | Employed | Employed | No | No |
| OBX2025J3155 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4195.2 | 6.91 | 16913.49 | Employed | Employed | No | No |
| OBX2025J3211 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 7.021 | 19540.89 | Employed | Retired | No | No |
| OBX2025J3214 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9171 | 6.959 | 10867.15 | Employed |  | No |  |
| OBX2025J3193 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.68 | 6.582 | 12975.09 | Employed |  | No |  |
| OBX2025J3185 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5646.2 | 6.576 | 17037.35 | Employed | Employed | No | No |
| OBX2025J3070 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2145 | 7.032 | 39484.49 | Employed |  | No |  |
| OBX2025J3207 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2095 | 6.888 | 29595.26 | Employed | Employed | No | No |
| OBX2025J3201 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1895 | 6.904 | 12969.69 | Employed | Employed | No | No |
| OBX2025J3156 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17717.2 | 7.436 | 24443.37 | Employed | Employed | No | No |
| OBX2025J3174 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1600 | 6.911 | 14503.84 | Employed |  | No |  |
| OBX2025J3166 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 7.288 | 32973.48 | Not Employed | Employed | No | No |
| OBX2025J3122 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.538 | 30362.51 | Employed | Employed | No | No |
| OBX2025J3138 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11138 | 6.757 | 12204.14 | Employed | Not Employed | No | No |
| OBX2025J3212 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5194.24 | 6.815 | 54602.7 | Employed | Employed | No | No |
| OBX2025J3239 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4350 | 7.051 | 25304.71 | Employed |  | No |  |
| OBX2025J3203 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4431.38 | 6.571 | 18129.14 | Employed |  | No |  |
| OBX2025J3219 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11112.5 | 7.01 | 115566.68 | Employed |  | No |  |
| OBX2025J3255 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1672 | 6.645 | 13778.78 | Employed |  | No |  |
| OBX2025J3250 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.6 | 6.939 | 17817.1 | Employed |  | No |  |
| OBX2025J3269 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1850 | 6.951 | 13333.56 | Employed | Not Employed | No | No |
| OBX2025J3230 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15173.36 | 6.439 | 18234.5 | Employed | Employed | No | No |
| OBX2025J3246 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10661 | 7.139 | 101475 | Employed | Not Employed | No | No |
| OBX2025J3217 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 19028.84 | 6.63 | 13010 | Employed | Employed | No | No |
| OBX2025J3191 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1570 | 6.774 | 59351.16 | Employed | Retired | No | No |
| OBX2025J3227 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11195.1 | 6.727 | 25614.33 | Employed | Employed | No | No |
| OBX2025J3102 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.64 | 21273.25 | Employed | Not Employed | No | No |
| OBX2025J3084 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 7.025 | 14568.29 | Employed | Not Employed | No | No |
| OBX2025J3232 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.629 | 56030.64 | Employed |  | No |  |
| OBX2025J3224 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1420 | 6.531 | 23452.74 | Employed | Employed | No | No |
| OBX2025J3183 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.768 | 27194.06 | Employed | Employed | No | No |
| OBX2025J3169 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.497 | 32532.54 | Employed | Employed | No | No |
| OBX2025J3187 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.85 | 6.379 | 16390.11 | Employed | Employed | No | No |
| OBX2025J3240 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6189.33 | 6.435 | 12809.25 | Employed | Employed | No | No |
| OBX2025J3182 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.724 | 48593.68 | Employed | Employed | No | No |
| OBX2025J3175 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4287.4 | 6.934 | 11217.07 | Employed | Not Employed | No | No |
| OBX2025J3225 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16195 | 7.285 | 15710.16 | Employed | Retired | No | No |
| OBX2025J3176 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194.12 | 6.973 | 43141.27 | Employed | Not Employed | No | No |
| OBX2025J3256 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.9 | 20035.82 | Employed | Retired | No | No |
| OBX2025J3135 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.792 | 13324.15 | Employed | Employed | No | No |
| OBX2025J3276 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.519 | 71035.13 | Employed |  | No |  |
| OBX2025J3200 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1579 | 6.893 | 35055.32 | Employed | Employed | No | No |
| OBX2025J3205 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6538.75 | 7.483 | 10592.58 | Employed | Employed | No | No |
| OBX2025J3215 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7473.4 | 6.721 | 8938.49 | Employed | Not Employed | No | No |
| OBX2025J3283 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.743 | 12515.32 | Employed | Not Employed | No | No |
| OBX2025J3286 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2590 | 6.806 | 14994.77 | Not Employed | Retired | No | No |
| OBX2025J3153 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2350 | 6.647 | 22709.07 | Employed | Employed | No | No |
| OBX2025J3238 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790.25 | 6.778 | 14025.49 | Retired |  | No |  |
| OBX2025J3133 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.642 | 33657.67 | Employed |  | No |  |
| OBX2025J3288 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1928.25 | 6.968 | 14192.41 | Employed | Employed | No | No |
| OBX2025J3292 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 24244 | 7.299 | 26192.43 | Employed |  | No |  |
| OBX2025J3259 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1250 | 6.519 | 14837.2 | Employed | Not Employed | No | No |
| OBX2025J3209 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.894 | 40578.7 | Employed |  | No |  |
| OBX2025J3218 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15978 | 7.045 | 12260.96 | Employed | Employed | No | No |
| OBX2025J3291 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1295 | 6.647 | 18074.05 | Not Employed |  | No |  |
| OBX2025J3244 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25000 | 6.787 | 25411.83 | Employed | Employed | No | No |
| OBX2025J3254 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1831.25 | 6.765 | 28656.08 | Employed |  | No |  |
| OBX2025J3243 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5195 | 6.407 | 12204.69 | Employed |  | No |  |
| OBX2025J3152 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 33770 | 7.164 | 65335.01 | Employed | Not Employed | No | No |
| OBX2025J3242 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.394 | 41061.21 | Employed | Employed | No | No |
| OBX2025J3249 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 7.388 | 18335.61 | Employed | Employed | No | No |
| OBX2025J3264 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13075 | 7.186 | 21137.49 | Not Employed | Not Employed | No | No |
| OBX2025J3299 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4436.25 | 6.797 | 22190.51 | Employed |  | No |  |
| OBX2025J3293 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23336.6 | 6.905 | 29711.67 | Employed |  | No |  |
| OBX2025J3285 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3489.9 | 6.407 | 15228.82 | Employed | Employed | No | No |
| OBX2025J3247 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3177.6 | 6.657 | 23880.53 | Employed | Employed | No | No |
| OBX2025J3282 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 6.897 | 21638.24 | Retired | Retired | No | No |
| OBX2025J3289 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1975.25 | 6.784 | 19685 | Employed | Employed | No | No |
| OBX2025J3308 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1580 | 6.785 | 10406.98 | Employed |  | No |  |
| OBX2025J3241 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8264.34 | 6.703 | 23704.17 | Employed |  | No |  |
| OBX2025J3306 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26345 | 7.043 | 25004.15 | Employed |  | No |  |
| OBX2025J3294 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15852.5 | 6.789 | 37571.26 | Employed | Employed | No | No |
| OBX2025J3272 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 895 | 6.536 | 23551.76 | Employed | Employed | No | No |
| OBX2025J3226 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.765 | 52401.87 | Employed | Employed | No | No |
| OBX2025J3274 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.897 | 31049.72 | Employed | Not Employed | No | No |
| OBX2025J3307 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16785 | 6.553 | 21096.4 | Employed | Employed | No | No |
| OBX2025J3199 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.765 | 17352.42 | Employed | Retired | No | No |
| OBX2025J3268 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2010 | 6.803 | 15502.27 | Employed |  | No |  |
| OBX2025J3301 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9350.02 | 6.471 | 14576.71 | Employed |  | No |  |
| OBX2025J3267 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2822.25 | 6.161 | 44234.81 | Employed |  | No |  |
| OBX2025J3234 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.4 | 6.428 | 37863.07 | Employed | Not Employed | No | No |
| OBX2025J3261 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3327.5 | 6.281 | 18167.85 | Employed | Employed | No | No |
| OBX2025J3273 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15000 | 6.915 | 38594.33 | Employed | Retired | No | No |
| OBX2025J3300 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13695 | 7.27 | 13032.13 | Employed | Employed | No | No |
| OBX2025J3284 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.535 | 44136.95 | Employed | Employed | No | No |
| OBX2025J3237 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1570 | 6.649 | 22003.94 | Employed | Employed | No | No |
| OBX2025J3279 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2935 | 6.898 | 13763.46 | Employed | Employed | No | No |
| OBX2025J3258 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10782.5 | 6.889 | 39625.01 | Employed | Employed | No | No |
| OBX2025J3302 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12595 | 6.703 | 38823.98 | Employed | Not Employed | No | No |
| OBX2025J3229 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.427 | 28466.87 | Employed |  | No |  |
| OBX2025J3266 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.548 | 39112.46 | Employed | Employed | No | No |
| OBX2025J3222 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14500.16 | 7.353 | 37697.71 | Employed | Not Employed | No | No |
| OBX2025J3297 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3145 | 7.171 | 30685.73 | Employed | Not Employed | No | No |
| OBX2025J3086 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10000.6 | 6.833 | 15709.07 | Employed |  | No |  |
| OBX2025J3271 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12870 | 7.014 | 30290.41 | Employed | Not Employed | No | No |
| OBX2025J3263 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 30540 | 7.347 | 73396.02 | Employed | Not Employed | No | No |
| OBX2025J3305 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9999.53 | 6.975 | 18640.51 | Employed | Employed | No | No |
| OBX2025J3233 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 6.928 | 21552.27 | Employed | Employed | No | No |
| OBX2025J3280 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2135.2 | 6.77 | 22427.77 | Employed | Employed | No | No |
| OBX2025J3296 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1772.19 | 6.552 | 22141.73 | Employed | Employed | No | No |
| OBX2025J3277 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.894 | 14710.6 | Not Employed | Employed | No | No |
| OBX2025J3278 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.78 | 12869.69 | Employed |  | No |  |
| OBX2025J3281 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 27295 | 7.542 | 21016 | Employed |  | No |  |
| OBX2025J3287 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21623.27 | 6.911 | 12818.7 | Retired | Retired | No | No |
| OBX2025J3290 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1770.25 | 7.16 | 91265.01 | Not Employed | Employed | No | No |
| OBX2025J3298 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26680 | 6.351 | 17269.05 | Employed | Employed | No | No |
| OBX2025J3303 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.261 | 52103.84 | Employed |  | No |  |
| OBX2025J3304 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.898 | 16591.7 | Employed | Employed | No | No |
| OBX2025J3275 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1670.25 | 6.92 | 19734.39 | Employed |  | No |  |
| OBX2025J3257 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.63 | 41529.49 | Employed |  | No |  |
| OBX2025J3260 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11195.38 | 6.597 | 17950.66 | Employed |  | No |  |
| OBX2025J3265 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4084.72 | 6.922 | 59756.99 | Employed |  | No |  |
| OBX2025J3236 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5007.5 | 6.574 | 10668.02 | Employed |  | No |  |
| OBX2025J3270 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7249.8 | 6.354 | 14855.34 | Employed | Employed | No | No |
| OBX2025J3295 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1820.25 | 6.896 | 10753.25 | Not Employed | Employed | No | No |
| OBX2025J3248 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2445 | 6.539 | 30792.37 | Employed | Employed | No | No |
| OBX2025J3001 |  | XXXXX | XX/XX/XXXX | Safe Harbor QM (APOR) | 22542.5 | 3.677 | 0 | Not Employed | Employed | No | No |
| OBX2025J3002 |  | XXXXX | XX/XX/XXXX | Safe Harbor QM (APOR) | 13730 | 7.367 | 29516.58 | Not Employed | Not Applicable | No | Not Applicable |
| OBX2025J3003 |  | XXXXX | XX/XX/XXXX | Safe Harbor QM (APOR) | 43187.42 | 7.371 | 0 | Employed | Not Applicable | No | Not Applicable |

---

## Exhibit 99.14

**Exhibit 99.14**

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

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

Re: OBX 2025-J3 Trust – Data Files Procedures

We have performed the procedures described below on the specified attributes in (i) an electronic data file entitled "OBX 2025-J3 Prelim Tape 9.1 AsOf.xlsx" provided by the Initial Purchaser on September 15, 2025, on behalf of the Company, containing information on 306 mortgage loans as of September 1, 2025 (the "Initial Data File") and (ii) an electronic data file entitled "OBX 2025-J3 Prelim Tape 9.1 ASF vF (9.18).xlsx" provided by the Initial Purchaser on September 18, 2025, on behalf of the Company, containing information on 302 mortgage loans (the "Mortgage Loans") as of September 1, 2025 (the "Data File" and together with the Initial Data File, the "Data Files")*.* We were informed that the Mortgage Loans are intended to be included as collateral in the offering by OBX 2025-J3 Trust. The Company is responsible for the specified attributes identified by the Company in the Data Files. 

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 Files. 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 electronic information sources provided by the Company or Initial Purchaser,
on behalf of the Company, for each Selected Loan (defined below) as applicable: 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.

![](ex99-14_002.jpg)

![](ex99-14_003.jpg)

· The term "Sample Loan
Selection File" means an electronic data file entitled "Loan IDs and Masked IDs.xlsx" provided by the Initial Purchaser
on September 5, 2025, on behalf of the Company, containing a listing of the loan numbers for 308 mortgage loans.

· 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, Sample Loan Selection File, and Instructions.

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

A. We randomly selected a sample of 31 mortgage loans from the Sample Loan Selection File. For purposes of this procedure, the Company
did not inform us of the basis they used to determine the number of mortgage loans we were instructed to randomly select from the Sample
Loan Selection File. The 31 mortgage loans constitute the "Selected Loans." A listing of the Selected Loans is attached
hereto as Exhibit A.

B. For each Selected Loan, we compared or recomputed the specified attributes in the Initial Data File 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 Initial Data File to the Loan File
for each of the specified attributes identified, utilizing the Instructions as applicable, constituted an exception. The Loan File information
is listed in the order of priority, which was provided by the Company, with the highest priority source listed first. The term "Provided
by the Company" when used in the "Loan File / Instructions" column of the table below, means we were instructed by the
Company to assume the attribute is accurate and not perform any procedure.

---

| | |
|:---|:---|
| **Specified Attribute** | **Loan File / Instructions** |
| Seller Loan Number | Provided by the Company |
| Original Term to Maturity | URLA |
| Original Amortization Term | URLA, Promissory Note |
| Original Loan Amount | Promissory Note |
| Original Interest Rate | Promissory Note |
| Current Payment Amount Due | Promissory Note |
| First Payment Date of Loan | Promissory Note |
| State | Promissory Note |
| City | Promissory Note |
| Postal Code | Promissory Note |
| Prepayment Penalty Total Term | Promissory Note |
| Occupancy | URLA, Occupancy Statement |

---

![](ex99-14_003.jpg)

---

| | |
|:---|:---|
| **Specified Attribute** | **Loan File / Instructions** |
| Property Type | 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." |
| Original Appraised Property Value | Appraisal Report |
| Sales Price | Final Closing Disclosure, Appraisal Report, Uniform Underwriting and Transmittal Summary, Purchase Agreement, Addendum to Purchase Agreement |
| Loan Purpose | URLA, Final Closing Disclosure, Uniform Underwriting and Transmittal Summary<br> For this procedure, perform the comparison on the portion of the 'Loan Purpose' which indicates one of the following purposes: purchase, cash-out, or rate/term refinance. |
| Junior Mortgage Balance | Uniform Underwriting and Transmittal Summary, Title Report |
| Original LTV | Recompute by dividing (i) Original Loan Amount, by (ii) Sales Price if the Loan Purpose attribute contains 'purchase'; otherwise the Original Appraised Property Value. |
| Original CLTV | Recompute by dividing (i) the sum of (a) Original Loan Amount and (b) Junior Mortgage Balance (if applicable), by (ii) Sales Price if the Loan Purpose attribute contains 'purchase'; otherwise the Original Appraised Property Value. |

---

We found such information to be in agreement except as listed in Exhibit B.

C. As a result of the finding identified and reported in the performance of Procedure B, the Initial
Data File was revised by the Company. The Data File represents the revised information reflecting resolution of the difference reported
as determined appropriate by the Company. We reperformed Procedure B on the Selected Loans in the Data File. We found such information
to be in agreement without exception.

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 Files. 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.

![](ex99-14_003.jpg)

The procedures performed were applied based on the information included in the Data Files 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 Mortgage 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 Mortgage Loans to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such Mortgage Loans being securitized, (iii) the compliance of the originator of the Mortgage Loans with federal, state, and local laws and regulations, or (iv) any other factor or characteristic of the Mortgage Loans that would be material to the likelihood that the issuer of the notes 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

McLean, Virginia<br> September 22, 2025

**Exhibit A**

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| | |
|:---|:---|
| &nbsp;&nbsp;**Selected<br> Loan #** | &nbsp;&nbsp;**Unique Identifier**<sup>(1)</sup> |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;OBX2025J3010 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;OBX2025J3012 |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;OBX2025J3022 |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;OBX2025J3030 |
| &nbsp;&nbsp;5 | &nbsp;&nbsp;OBX2025J3046 |
| &nbsp;&nbsp;6 | &nbsp;&nbsp;OBX2025J3058 |
| &nbsp;&nbsp;7 | &nbsp;&nbsp;OBX2025J3061 |
| &nbsp;&nbsp;8 | &nbsp;&nbsp;OBX2025J3071 |
| &nbsp;&nbsp;9 | &nbsp;&nbsp;OBX2025J3074 |
| &nbsp;&nbsp;10 | &nbsp;&nbsp;OBX2025J3090 |
| &nbsp;&nbsp;11 | &nbsp;&nbsp;OBX2025J3093 |
| &nbsp;&nbsp;12 | &nbsp;&nbsp;OBX2025J3101 |
| &nbsp;&nbsp;13 | &nbsp;&nbsp;OBX2025J3128 |
| &nbsp;&nbsp;14 | &nbsp;&nbsp;OBX2025J3131 |
| &nbsp;&nbsp;15 | &nbsp;&nbsp;OBX2025J3142 |
| &nbsp;&nbsp;16 | &nbsp;&nbsp;OBX2025J3149 |
| &nbsp;&nbsp;17 | &nbsp;&nbsp;OBX2025J3153 |
| &nbsp;&nbsp;18 | &nbsp;&nbsp;OBX2025J3165 |
| &nbsp;&nbsp;19 | &nbsp;&nbsp;OBX2025J3168 |
| &nbsp;&nbsp;20 | &nbsp;&nbsp;OBX2025J3183 |
| &nbsp;&nbsp;21 | &nbsp;&nbsp;OBX2025J3215 |
| &nbsp;&nbsp;22 | &nbsp;&nbsp;OBX2025J3221 |
| &nbsp;&nbsp;23 | &nbsp;&nbsp;OBX2025J3238 |
| &nbsp;&nbsp;24 | &nbsp;&nbsp;OBX2025J3248 |
| &nbsp;&nbsp;25 | &nbsp;&nbsp;OBX2025J3278 |
| &nbsp;&nbsp;26 | &nbsp;&nbsp;OBX2025J3280 |
| &nbsp;&nbsp;27 | &nbsp;&nbsp;OBX2025J3288 |
| &nbsp;&nbsp;28 | &nbsp;&nbsp;OBX2025J3290 |
| &nbsp;&nbsp;29 | &nbsp;&nbsp;OBX2025J3297 |
| &nbsp;&nbsp;30 | &nbsp;&nbsp;OBX2025J3305 |
| &nbsp;&nbsp;31 | &nbsp;&nbsp;OBX2025J3307 |

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<sup>(1)</sup> The Company has assigned a unique 12-digit identifier to each mortgage loan in the Data Files. The unique identifiers referred to in this Exhibit are not the customer account numbers.

**Exhibit B**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Selected Loan #** | **Unique Identifier** | &nbsp;&nbsp;**Specified Attribute** | &nbsp;&nbsp;**Per Initial Data File** | &nbsp;&nbsp;**Per Loan File** |
| &nbsp;&nbsp;11 | &nbsp;&nbsp;OBX2025J3093 | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;Limited Cash-Out |

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