# EDGAR Filing Document

**Accession Number:** 0001658638
**File Stem:** 0001213900-25-081139
**Filing Date:** 2025-8
**Character Count:** 906546
**Document Hash:** 387c9bafc835eb2dd49015372c6aaf6a
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-25-081139.hdr.sgml**: 20250827

**ACCESSION NUMBER**: 0001213900-25-081139

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

**PUBLIC DOCUMENT COUNT**: 24

**CONFORMED PERIOD OF REPORT**: 20250827

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

**FILED AS OF DATE**: 20250827

**DATE AS OF CHANGE**: 20250827

**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:** 251265561

**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-J2 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](ea025474801_ex99-01.htm)

99.02 [AMC Rating Agency Grades Report](ea025474801_ex99-02.htm)

99.03 [AMC Exception Grades Report](ea025474801_ex99-03.htm)

99.04 [AMC Valuation Summary Report](ea025474801_ex99-04.htm)

99.05 [AMC Supplemental Data Report](ea025474801_ex99-05.htm)

99.06 [AMC Data Compare Report](ea025474801_ex99-06.htm)

99.07 [Consolidated Analytics, Inc. ()"**CA**") Narrative](ea025474801_ex99-07.htm)

99.08 [CA Data Compare Report](ea025474801_ex99-08.htm)

99.09 [CA Due Diligence Standard Report](ea025474801_ex99-09.htm)

99.10 [CA Rating Agency Grading Summary Report](ea025474801_ex99-10.htm)

99.11 [CA Valuations Report](ea025474801_ex99-11.htm)

99.12 [CA Additional Fields Report](ea025474801_ex99-12.htm)

99.13 [CA ATR QM Report](ea025474801_ex99-13.htm)

99.14 [KPMG LLP Independent Accountants' Agreed-Upon Procedures Report](ea025474801_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** | **ONSLOW BAY FUNDING LLC** |
| Date: August 27, 2025 | /s/ Michael Fania | /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 26 mortgage loans totaling an aggregate original principal balance of approximately $30.896 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;Borrower First Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original LTV |  |

---

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

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

AMC reviewed mortgage loan origination documentation to determine conformity 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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![](ex99-01_001.jpg)

**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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![](ex99-01_001.jpg)

**(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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

---

---

| | |
|:---|:---|
| 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;

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final 1003;

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. 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 26 mortgage loans reviewed by AMC have a Compliance grade of "B" or higher and 65.38% 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;17 | &nbsp;&nbsp;65.38% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;34.62% |
| &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;**26** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All 26 mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 96.15% of the mortgage loans by number have a Credit grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** | &nbsp;&nbsp;**Credit Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;25 | &nbsp;&nbsp;96.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% |
| &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;**26** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

All 26 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;26 | &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;**26** | &nbsp;&nbsp;**100.00%** |

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**OVERALL REVIEW RESULTS SUMMARY**

All 26 mortgage loans reviewed by AMC have an Overall grade of "B" or higher and 61.54% 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;16 | &nbsp;&nbsp;61.54% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;38.46% |
| &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;**26** | &nbsp;&nbsp;**100.00%** |

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**EXCEPTION CATEGORY SUMMARY**

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**10** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 26 mortgage loans reviewed, 26 mortgage loans had 65 different tape discrepancies across 17 data fields (some mortgage loans had more than one data delta). The largest variance was found on Investor: Qualifying Total Debt Ratio and Note Date.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of<br> Loans** |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;13.33% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;11 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;14 | &nbsp;&nbsp;26 | &nbsp;&nbsp;53.85% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;11 | &nbsp;&nbsp;27.27% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;11 | &nbsp;&nbsp;63.64% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;13 | &nbsp;&nbsp;15 | &nbsp;&nbsp;86.67% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;26 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26.92% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;26 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;26 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;26 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**608** | &nbsp;&nbsp;**10.69%** | &nbsp;&nbsp;**26** |

---

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;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$30896200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$30896200.00** | &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;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$30896200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$30896200.00** | &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;First Time Home Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;11.54% | &nbsp;&nbsp;$3000000.00 | &nbsp;&nbsp;9.71% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;$26276600.00 | &nbsp;&nbsp;85.05% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$1619600.00 | &nbsp;&nbsp;5.24% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$30896200.00** | &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;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$30896200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$30896200.00** | &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;12 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$15841000.00 | &nbsp;&nbsp;51.27% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$880000.00 | &nbsp;&nbsp;2.85% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$1240000.00 | &nbsp;&nbsp;4.01% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;12 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$12935200.00 | &nbsp;&nbsp;41.87% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$30896200.00** | &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;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$30896200.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**26** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$30896200.00** | &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 - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL 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 | OBX2025J2047 |  |  | 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 | OBX2025J2018 |  |  | 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 | OBX2025J2165 |  |  | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | XXXX | XXXX | OBX2025J2079 |  |  | 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 | OBX2025J2017 |  |  | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | OBX2025J2092 |  |  | 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 | OBX2025J2112 |  |  | 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 | OBX2025J2130 |  |  | 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 | OBX2025J2247 |  |  | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | OBX2025J2114 |  |  | 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 | OBX2025J2248 |  |  | 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 | OBX2025J2133 |  |  | 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 | OBX2025J2105 |  |  | 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 | OBX2025J2157 |  |  | 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 | OBX2025J2207 |  |  | 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 | OBX2025J2184 |  |  | 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 | OBX2025J2163 |  |  | 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 | OBX2025J2170 |  |  | 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 | OBX2025J2169 |  |  | 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 | OBX2025J2040 |  |  | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | OBX2025J2068 |  |  | 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 | OBX2025J2120 |  |  | 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 | OBX2025J2162 |  |  | 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 | OBX2025J2215 |  |  | 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 | OBX2025J2206 |  |  | 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 | OBX2025J2205 |  |  | 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 |

---

## 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 - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **DBRS Initial Exception Rating** | **DBRS Final Exception Rating** | **Fitch Initial Exception Rating** | **Fitch Final Exception Rating** | **Kroll Initial Exception Rating** | **Kroll Final Exception Rating** | **Moody's Initial Exception Rating** | **Moody's Final Exception Rating** | **S&P Initial Exception Rating** | **S&P Final Exception Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Overall<br> Initial Loan Grade** | **Overall<br> Final Loan Grade** | **Credit<br> Initial Loan Grade** | **Credit<br> Final Loan Grade** | **Compliance<br> Initial Loan Grade** | **Compliance<br> Final Loan Grade** | **Property<br> Initial Loan Grade** | **Property<br> Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | OBX2025J2017 | 33926190 |  |  | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (2025-05-29): Received FACTA disclosure exception cleared.<br>Buyer Comment (2025-05-28): FACTA disclosure | 05/29/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | GA | Primary | Purchase |  | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2017 | 33926191 |  |  | 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 leastXXXX<br> business days prior to closing. | Earlier receipt of Closing Disclosure was not provided. Initial CD missing. |  |  |  | Reviewer Comment (2025-05-29): XXXX<br> received XXXX<br> CD XXXX<br> business days prior to consummation.<br>Buyer Comment (2025-05-28): Initial CD | 05/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2017 | 33926192 |  |  | 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<br> exceeds tolerance of $XXXX<br> . Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was disclosed as $XXXX<br> on Initial LE and $XXXX<br> on Final CD. Evidence of cure not provided in file nor is a COC present. |  |  |  | Reviewer Comment (2025-06-02): XXXX<br> received a valid COC.<br>Buyer Comment (2025-05-30): COC<br>Reviewer Comment (2025-05-29): XXXX<br> Transfer tax increased to $XXXX<br> from $XXXX<br> on final LE dated XXXX<br> without valid COC. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check<br>Buyer Comment (2025-05-28): Per lender: " Please look at the Final LE dated XXXX<br> , the transfer taxes are showing $XXXX<br> and not $XXXX<br> . The Transfer taxes did not increase it decreased on the Final CD. The Final LE dated XXXX<br> show the transfer taxes to be $XXXX<br> and the Final CD dated XXXX<br> shows the transfer taxes to be $XXXX<br> . | 06/02/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2018 | 33827331 |  |  | 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. | The loan file does not contain evidence the Borrower received a copy of the appraisal three business days prior to closing. |  |  |  | Reviewer Comment (2025-05-22): Client elects to waive |  |  | 05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | UT | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2018 | 33827332 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing VOR for current residence. |  |  |  | Reviewer Comment (2025-05-28): After further review, exception has been cleared.<br>Seller Comment (2025-05-28): Comment fromXXXX<br> (XXXX): Rebuttal<br>Reviewer Comment (2025-05-22): Lease agreement received, need VOR or cancelled checks verifying XXXX<br> months clean housing history.<br>Seller Comment (2025-05-22): Comment from XXXX (XXXX): Lease Agreement showing monthly due. | 05/28/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | UT | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2040 | 34146431 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS - DU reflects incorrect HTI & DTI ratios due to incorrect tax amount being considered for subject property, AUS shows tax amount asXXXX monthly vs actual tax amount XXXX monthly. Required corrected AUS reflecting HTI as XXXXand XXXXas XXXX |  |  |  | Reviewer Comment (2025-06-30): The AUS DTI is within the XXXX% tolerance. Cleared.<br>Buyer Comment (2025-06-26): per lender: Our property tax calculation is for qualification purposes and based on the value and tax rates. Can you confirm that this must be updated, even though the actual tax only reflects land value only? | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Refinance - Rate/Term |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2040 | 34146432 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | 1008 reflects incorrect HTI & XXXXratios due to incorrect tax amount being considered for subject property, 1008 shows tax amount as XXXX monthly vs actual tax amount XXXX monthly. Required corrected 1008 reflecting HTI as XXXX and XXXXas XXXX |  |  |  | Reviewer Comment (2025-06-30): The AUS DTI is within the XXXX% tolerance. Cleared.<br>Buyer Comment (2025-06-26): per lender: Our property tax calculation is for qualification purposes and based on the value and tax rates. Can you confirm that this must be updated, even though the actual tax only reflects land value only? | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Refinance - Rate/Term |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2040 | 34146433 |  |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-07-01): Received UCDP CU scoreXXXX CDA not require. Exception cleared<br>Buyer Comment (2025-06-30): UCDP<br>Reviewer Comment (2025-06-27): No XXXX UCDP with CU Score Provided in the file. Exception Remains<br>Buyer Comment (2025-06-26): Per lender: Can you also verify if a XXXX is required? Per the Express guidelines, a XXXXis only required if the risk score is greater than XXXX Per the XXXXon this file, the score is XXXX | 07/01/2025 |  |  | 1 | D | A | D | A | D | A | D | A | D | A |  | WI | Primary | Refinance - Rate/Term |  | D | A | C | A | A | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2047 | 33827326 |  |  | 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 XXXX<br> business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-05-22): Client elects to waive |  |  | 05/22/2025 | 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 | OBX2025J2068 | 34146436 |  |  | Credit | TRID | General | TRID | Escrow holdbacks are present. |  | Final CD page 2 section H reflects Escrow Holdback-impound; however, as per guidelines Escrow Holdbacks are not allowed. Client to review for acceptance as escrow holdback pertains to "impound". Impounds prohibition is under XXXX Appraisal Requirements. Due to ambiguity, item may be cleared with client direction and request. |  |  |  | Reviewer Comment (2025-07-03): Received Updated PCCD with Change in fees to Utility. Exception Cleared<br>Buyer Comment (2025-07-02): PCCD<br>Reviewer Comment (2025-07-01): Final CD noted Escrow holdback which does not allows per guideline. Loan tested with CD. Require PCCD with change in Fees name per Closing statement. Exception Remains<br>Buyer Comment (2025-06-30): per lender - Final Sellers Stmt - In a XXXX real estate transaction, a water/sewer escrow is an amount of money held in trust, usually by the title company, to cover the seller's outstanding water and sewer bill at the time of closing. This ensures that the buyer doesn't inherit any unpaid utility bills and that the seller is responsible for their usage up to the closing date | 07/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CO | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2079 | 33827361 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible property - agricultural properties, such as farms or ranches are ineligible. The property has a barn, workshop and enclosures for livestock. |  |  |  | Reviewer Comment (2025-06-09): Clearing after rereview not showing farming or is ag producing.<br>Buyer Comment (2025-06-09): Comment from XXXX API (XXXX): Cleared - Clearing based on re-review.<br>Buyer Comment (2025-06-09): Comment from XXXX (XXXX): Cleared - Clearing based on re-review not finding any farming or is ag producing.<br>Reviewer Comment (2025-06-09): Clearing based on re-review. | 06/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2092 | 33926193 |  |  | 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 DateXXXX<br> , Most Recent Tax Return End Date XXXX<br> , Tax Return Due Date XXXX<br> . | This is an EV2 informational exception and may be waived. |  |  |  | Buyer Comment (2025-05-22): Business tax return extension in file for XXXX |  |  | 05/22/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | NC | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2092 | 33926196 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Business assets used must be accompanied by a XXXXletter confirming that the withdrawal of the funds from the business will not harm the financial strength of the business 'XXXX<br> ' Acc ending # XXXX<br> . |  |  |  | Reviewer Comment (2025-06-04): Received updated 1008 without business asset used for qualification. Exception Cleared<br>Buyer Comment (2025-06-02): AUS<br>Reviewer Comment (2025-05-28): Provide updated 1003 without business fund being used for qualification as per 1003/AUS lender used business funds for qualification. Exception Remains<br>Buyer Comment (2025-05-23): Per Lender: This really has no impact to the loan. The borrower has verified over $XXXX<br> million in assets. #XXXX<br> has $XXXX<br> and #XXXX<br> has $XXXX<br> . If we back these out the borrower has sufficient assets for cash to close and reserves. The borrower's balance sheet for XXXX<br> shows only assets and retained earnings, indicating a > XXXX<br> quick ratio and very liquid business. | 06/04/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2092 | 33926197 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | XXXXconfirming no insurance present for property at XXXX |  |  |  | Reviewer Comment (2025-06-17): Received HOI policy for the REO property XXXX Exception cleared.<br>Buyer Comment (2025-06-13): HOI<br>Reviewer Comment (2025-06-04): Received HOI for subject property whereas Exception is for REO property XXXX<br>Buyer Comment (2025-06-02): HOI<br>Reviewer Comment (2025-05-28): Free and clear Property does not confirm No insurance on the property. its up to borrower to take insurance or not. Borrower XXXXRequire confirming no insurance on the property. Exception Remains<br>Buyer Comment (2025-05-23): Per Lender: this is optional on a free and clear property. There is no requirement to carry insurance or verify if the borrower carries a policy. | 06/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | NC | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2092 | 33926198 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank XXXX): 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 or a waiver |  |  |  | Reviewer Comment (2025-05-27): Original Appraisal received. Exception Cleared<br>Buyer Comment (2025-05-23): Appraisal | 05/27/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | NC | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | 33926207 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor XXXX does not match Due Diligence Loan Designation of XXXX Risk. | Loan designation failure due to XXXXfailure. This exception will be cleared once all XXXXspecific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-03): All Open QM/ATR Exception has been cured/Cleared | 06/03/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | WI | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | 33926203 |  |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10<br> business days of the Note. |  | Missing Verification of Employment for Borrower XXXXemployment XXXX, require VOE within XXXXbusiness days of the XXXX. |  |  |  | Reviewer Comment (2025-06-03): Received VVOE for Borrower XXXX Exception cleared<br>Buyer Comment (2025-05-30): VOE- XXXX<br>Buyer Comment (2025-05-30): VOE XXXX | 06/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | 33926209 |  |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing credit report ID XXXXdated XXXX per DU. |  |  |  | Reviewer Comment (2025-05-29): Credit report received and uploaded accordingly. Exception Cleared<br>Buyer Comment (2025-05-28): credit report | 05/29/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | WI | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | 33926208 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General XXXX: Based on the loan failing one or more guideline components, the loan is at XXXXrisk. | Loan designation failure due to Insufficient Income & Asset documentation. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-06-03): All Open QM/ATR Exception has been cured/Cleared | 06/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | 33926205 |  |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing insufficient. |  |  |  | Reviewer Comment (2025-05-29): Received XXXXagreement and XXXXthat reflects the amount was paid to the Title company. Exception cleared.<br>Buyer Comment (2025-05-28): CD and XXXXNote | 05/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | 33926202 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Final XXXXapplication reflects proceeds from secured loan in the amount $ XXXXhowever, source documents missing for the same. Require secured loan evidence or additional assets to meet closing & reserves requirement. |  |  |  | Reviewer Comment (2025-05-29): CD and XXXXnote received that confirms the amount was paid to the title company. Exception Cleared.<br>Buyer Comment (2025-05-28): CD and XXXXNote | 05/29/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | WI | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2114 | 33926242 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Insufficient or no cure was provided to the borrower. | Documentation Preparation Fee was last disclosed as XXXX on LE but disclosed as XXXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-06-23): XXXX received Letter of Explanation, Payment History and Corrected CD.<br>Buyer Comment (2025-06-20): LOE, PCCD and pay history<br>Reviewer Comment (2025-06-20): XXXX received rebuttal and OOC dated XXXX , however there is no POA document or trust document available in file. Please provide additional sufficient information with supporting document or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-06-19): COC in file XXXX . Please re-review. |  | 06/23/2025 |  | 2 | C | B | C | B | C | B | C | B | C | B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2114 | 33926243 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $XXXX exceeds tolerance of $XXXX . Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2025-06-23): Sufficient Cure Provided within XXXX Days of Closing |  | 06/23/2025 |  | 1 |  | A |  | A |  | A |  | A |  | A |  | TX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2120 | 34146440 |  |  | 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 (2025-06-24): Sufficient Cure Provided At Closing |  | 06/24/2025 |  | 1 | A | A | A | A | A | A | A | A | A | A |  | FL | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2120 | 34146442 |  |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Require Tax Certificate for subject property with Annual Tax as XXXX as the current Tax certificate for subject property reflects lower annual taxes as XXXX. Provide lender /closing agent calculations for the amount used on this purchase transaction. |  |  |  | Reviewer Comment (2025-06-30): Received Tax calculation worksheet. Lender estimate tax using sales price. Exception Cleared<br>Buyer Comment (2025-06-30): Please see attached from county website | 06/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2120 | 34146444 |  |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Liability Type was not provided |  | On Final 1003 - Under section 2d Other Liabilities and Expenses There is a Other - Specify neg. rental Income given for XXXX. Provide documentation explaining this amount. |  |  |  | Reviewer Comment (2025-07-02): Received Lender LOX confirm it negative net rental income of REO Properties which included in DTI. Variance is less than XXXX. Exception Cleared<br>Buyer Comment (2025-07-01): see LOX | 07/02/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | FL | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2130 | 33926210 |  |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | No title provided. |  |  |  | Reviewer Comment (2025-06-23): Received Title preliminary report. Escrow instruction Provided with coverage amount covering the loan amount. Exception Cleared<br>Buyer Comment (2025-06-23): Title commitment | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2130 | 33926211 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | XXXX Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (XXXX) business days prior to closing. | Earlier receipt of Closing Disclosure dated XXXX was not provided |  |  |  | Reviewer Comment (2025-06-23): XXXX received CD dated XXXX | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2130 | 33926213 |  |  | 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 a valid Change of Circumstance for the increase in XXXXpoints. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-06-23): XXXXreceived CD and XXXX.<br>Buyer Comment (2025-06-20): LOE | 06/23/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2133 | 34096954 |  |  | 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 XXXX business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant XXXX business days prior to consummation. |  |  |  | Reviewer Comment (2025-06-16): Accepted as is. |  |  | 06/16/2025 | 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 | OBX2025J2133 | 34096957 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2025-07-09): Received, Clearing.<br>Seller Comment (2025-07-09): Comment from XXXX : Fees | 07/09/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase | Lender to provide updated ATR/QM status | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2133 | 34096958 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXXX is in excess of the allowable maximum of XXXX of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of XXXX vs. an allowable total of $XXXX (an overage of XXXX). |  |  |  |  | Reviewer Comment (2025-07-09): Received, Clearing.<br>Seller Comment (2025-07-09): Comment from XXXX : fees | 07/09/2025 |  |  | 1 |  | A |  | A |  | A |  | A |  | A |  | FL | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2157 | 34096960 |  |  | 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 (2025-06-25): Accepted as is. |  |  | 06/25/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | GA | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2157 | 34096962 |  |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide signed and dated letter from XXXX indicating the date the distribution will begin. |  |  |  | Reviewer Comment (2025-06-26): Received, Clearing.<br>Seller Comment (2025-06-26): Comment from XXXX : LETTER REGARDING XXXX | 06/26/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | GA | Primary | Purchase |  | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2162 | 34146445 |  |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Required HOI policy for REO property XXXX. |  |  |  | Reviewer Comment (2025-07-10): Received Hazard insurance policy for REO property XXXX . Exception Cleared<br>Buyer Comment (2025-07-08): Screen print with HOI | 07/10/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | CA | Primary | Purchase |  | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2163 | 34096982 |  |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds 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 |  | TN | 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 | OBX2025J2163 | 34096983 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule XXXX: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Receipt of Appraisal is missing. |  |  |  | Reviewer Comment (2025-07-03): Accepted as is. |  |  | 07/03/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | TN | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2165 | 33827345 |  |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-06-02): Accepted as is. |  |  | 06/02/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | CA | Primary | Purchase |  | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2169 | 34146425 |  |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Need additional asset documentation to complete XXXXmonths of reserves. |  |  |  | Reviewer Comment (2025-07-03): After further review. Sufficient asset available in the file to meet cash to close and reserve requirement. Exception Cleared<br>Buyer Comment (2025-07-02): Asset calculation | 07/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2169 | 34146427 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage XXXX Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to not having XXXXmonths of reserves. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-07-03): After further review. Sufficient asset available in the file to meet cash to close and reserve requirement. Exception Cleared | 07/03/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | VA | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2169 | 34146428 |  |  | 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 not having XXXXmonths of reserves. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-07-03): After further review. Sufficient asset available in the file to meet cash to close and reserve requirement. Exception Cleared | 07/03/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2169 | 34146429 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | XXXX and XXXX XXXXincome was used to quaify, missing XXXX / W2 transcripts. |  |  |  | Reviewer Comment (2025-07-30): Received XXXX and 2022 W-2 Transcript exception cleared<br>Buyer Comment (2025-07-28): legible transcripts<br>Reviewer Comment (2025-07-24): Received XXXX andXXXX Transcript, however ForXXXXTranscript figures and numbers are not readable. Require updated XXXXTranscript. Exception Remains<br>Buyer Comment (2025-07-22): Transcripts & LOX for delay<br>Reviewer Comment (2025-06-26): Received W-2, however Require XXXX 1040 or W-2 Transcripts. Exception Remains<br>Buyer Comment (2025-06-25): W-2's | 07/30/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2170 | 34096985 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:XXXX Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | Loan Discount Points increased from XXXX to XXXX , without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (2025-07-17): XXXX received COC dated XXXX<br>Seller Comment (2025-07-16): Comment from XXXX : COC with CD | 07/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2170 | 34096986 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure dated XXXXwas signed and dated by Borrowers on XXXX |  |  |  | Reviewer Comment (2025-07-17): XXXX received initial CD dated XXXX<br>Seller Comment (2025-07-16): Comment from XXXX : Initial Cd within XXXX days of closing | 07/17/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | TX | Primary | Purchase | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2170 | 34096988 |  |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (XXXX Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Appraisal received on XXXX |  |  |  | Reviewer Comment (2025-07-11): Accepted as is. |  |  | 07/11/2025 | 2 | B | B | B | B | B | B | B | B | B | B |  | TX | Primary | Purchase |  | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2184 | 34096970 |  |  | 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 XXXX business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant three (3) 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 |  | GA | Primary | Purchase |  | B | B | A | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2205 | 34146476 |  |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040). |  | Borrower: XXXX Sole Proprietor Income has been qualified by XXXXYear Average income (XXXX). Tax Transcripts (1040) for year XXXX are required. |  |  |  | Reviewer Comment (2025-07-24): Received 2024 Transcript for 2024 Year average income used for qualification. Exception Cleared<br>Buyer Comment (2025-07-23): transcripts | 07/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2205 | 34146479 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to insufficient Income documents. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2025-07-24): 2024 Transcript Received. Exception Cleared<br>Buyer Comment (2025-07-23): see transcripts | 07/24/2025 |  |  | 1 | B | A | C | A | B | A | C | A | B | A |  | AL | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2205 | 34146480 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Missing a Third Party Verification of Employment. Per selling guide verifying a phone listing from internet provided. but missing.<br> 1. The lender must document the source of the information obtained and the name and title of the lender's employee who obtained the information.<br> 2 Phone listing <br> 3. and address for the borrower's business |  |  |  | Reviewer Comment (2025-07-21): Received post close Third party verification, however post close verification acceptable per guideline. Exception Cleared<br>Buyer Comment (2025-07-18): see VOE | 07/21/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2205 | 34146481 |  |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | Missing a Third Party Verification of Employment. Per selling guide verifying a phone listing from internet provided. but missing.<br> 1. The lender must document the source of the information obtained and the name and title of the lender's employee who obtained the information.<br> 2 Phone listing <br> 3. and address for the borrower's business |  |  |  | Reviewer Comment (2025-07-24): 2024 Transcript Received. Exception Cleared<br>Buyer Comment (2025-07-23): see 1040's transcripts<br>Reviewer Comment (2025-07-21): Received Third party verification however still missing Signed 2024 1040 or 2024 1040 Transcript. Exception Remains<br>Buyer Comment (2025-07-18): VOE | 07/24/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | AL | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2215 | 34146451 |  |  | 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 XXXX business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-07-09): Received Original appraisal and updated appraisal delivery. Exception Cleared<br>Buyer Comment (2025-07-08): Original appraisal<br>Buyer Comment (2025-07-08): Delivery for revised report<br>Reviewer Comment (2025-07-08): Received appraisal Delivery confirm Delivery date of XXXX which is prior to Report dated of XXXX . Require original appraisal report. Exception Remains<br>Buyer Comment (2025-07-07): Disclosure tracking snapshot showing Appraisal delivery | 07/09/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2215 | 34146452 |  |  | 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 XXXX business days prior to closing. | Closing Disclosure dated XXXX was signed XXXX at closing. Missing evidence of earlier receipt. |  |  |  | Reviewer Comment (2025-07-09): XXXX received initial CD.<br>Buyer Comment (2025-07-07): Initial CD | 07/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2215 | 34146454 |  |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Require signed Initial 1003 document for both Borrower and Co-Borrower as provided initial 1003 document is not signed. |  |  |  | Reviewer Comment (2025-07-08): Received initial 1003 . Exception Cleared<br>Buyer Comment (2025-07-07): 1003 | 07/08/2025 |  |  | 1 | B | A | B | A | B | A | B | A | B | A |  | MA | Primary | Purchase |  | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2215 | 34146455 |  |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: XXXX Percent Fee Tolerance exceeded. Total amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. | XXXX tolerance was exceeded due to increase of Recording Fee by XXXX. No valid COC provided, XXXX evidence of cure in file. |  |  |  | Reviewer Comment (2025-07-09): XXXX received supporting document for the fee increased.<br>Buyer Comment (2025-07-08): LOE<br>Buyer Comment (2025-07-08): Per Lender fee increased due to need to record POA discovered. Please see signed LOE along with email chain from closing attorney to confirm timing, costs, etc<br>Reviewer Comment (2025-07-03): Please provide additional detail/clarification how the loan amount impacted the number of documents that are required to be recorded that would support increase in recording fees from what was previously disclosed.<br>Buyer Comment (2025-07-03): A change in loan amount can in fact validate a reason for the recording fees to increase as recording fees are typically based on the number of pages being recorded. Please re-evaluate.<br>Reviewer Comment (2025-07-03): XXXX re-reviewed the changed circumstance forXXXX change date. However, the information provided on the COC did not clarify or document why the recording fees increased from XXXX . Reasons are change in loan amount and updated fees per updated CD from title company. Recording fees would not be affected by a change in loan amount . An updated CD from title company does not give a valid reason and when lender had knowledge of the change event. Please provide additional information and documentation to support a valid reason for increasing the recording fees. XXXX tests according to TRID GRID 4.0 which clarifies how a COC should be documented to be valid for a fee increase: To comply with the COC requirements and rebaseline fee amounts, TPRs will look to the COC documentation in file to include the components enumerated within the regulations as set forth in the preceding paragraph. The COC documentation, at a minimum, should include: 1) The original estimate of the cost (can be documented through fee amounts disclosed on the initial LE); 2) specific reason for the revision and how it impacted the specific fee(s) that increased; 3) the revised amount (can be documented through fee amounts disclosed on the revised LE/CD but increase must correspond with actual change resulting from documented COC and only fees related to the specific COC are considered for rebaseline); and 4) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under § 1026.19(e)(3)(iv)(A) through (F) has occurred) The COC information can be contained on multiple documents (COC doc, screenshot of notes on an LOS or 1008, rate lock agreement, communication logs, etc.) 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.<br>Buyer Comment (2025-07-03): Please cancel. There is a COC for the rate lock and loan amount change that impacted settlement fees (title and recording) XXXX where the recording fees was disclosed at XXXX revised LE) The final fees are lower than the updated fees. | 07/09/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | MA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2215 | 34146456 |  |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | As per Final 1003 Both Borrowers XXXX stay rent free at XXXX however require rent free letter/document confirming Borrowers stay rent free. |  |  |  | Reviewer Comment (2025-07-11): Received LOX from Borrower confirmed Housing expenses covered by the government. Exception Cleared<br>Buyer Comment (2025-07-10): Rent free letter | 07/11/2025 |  |  | 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 | OBX2025J2247 | 33926220 |  |  | 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 $ XXXXis over disclosed by $ XXXXcompared to the calculated Amount Financed of $ XXXXand 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. | Final Closing Disclosure provided on XXXXdisclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $ XXXXis over disclosed by $ XXXX(Section H Mobility Closing Fee) compared to the calculated Amount Financed of $ XXXXand the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2025-06-11): XXXXreceived statement of fee purpose.<br>Buyer Comment (2025-06-10): XXXXhas been appointed by XXXX(the relocation Company) to assist with their destination move. An invoice $ XXXXfrom XXXX is sent to XXXXto be charged to the buyer on the settlement statement/CD for their destination assistance. XXXX is a XXXXparty entity that the client uses to assist with choosing title providers. It's not an APR fee. | 06/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | OBX2025J2247 | 33926221 |  |  | 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 XXXXthat does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $ XXXXis under disclosed by $ XXXXcompared to the calculated Finance Charge of $ XXXXwhich exceeds the $ XXXXthreshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX. | Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page XXXXthat does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $ XXXXis under disclosed by $- XXXX(Section H Mobility Closing Fee) compared to the calculated Finance Charge of $vwhich exceeds the $ XXXXthreshold |  |  |  | Reviewer Comment (2025-06-11): XXXX received statement of fee purpose.<br>Buyer Comment (2025-06-10): XXXX has been appointed by XXXX (the relocation Company) to assist with their destination move. An invoice XXXX from XXXX is sent to XXXX to be charged to the buyer on the settlement statement/CD for their destination assistance. FRS is a 3rd party entity that the client uses to assist with choosing title providers. It's not an APR fee. | 06/11/2025 |  |  | 1 | C | A | C | A | C | A | C | A | C | A |  | VA | 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 if Applicable | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.04

**Exhibit 99.04**

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| ![](ex99-04_001.jpg) | ![](ex99-04_001.jpg) | ![](ex99-04_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** | **Valuation Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | OBX2025J2047 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.120% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.70 |
| XXXX | XXXX | XXXX | OBX2025J2018 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.60 |
| XXXX | XXXX | XXXX | OBX2025J2165 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.80 |
| XXXX | XXXX | XXXX | OBX2025J2079 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.10 |
| XXXX | XXXX | XXXX | OBX2025J2017 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | XXXX | OBX2025J2092 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | OBX2025J2112 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | OBX2025J2130 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J2247 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J2114 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | OBX2025J2248 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | OBX2025J2133 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.20 |
| XXXX | XXXX | XXXX | OBX2025J2105 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J2157 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.80 |
| XXXX | XXXX | XXXX | OBX2025J2207 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | OBX2025J2184 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | XXXX | XXXX | OBX2025J2163 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 2.60 |
| XXXX | XXXX | XXXX | OBX2025J2170 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | XXXX | XXXX | OBX2025J2169 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J2040 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | XXXX | XXXX | OBX2025J2068 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | XXXX | XXXX | OBX2025J2120 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | OBX2025J2162 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| XXXX | XXXX | XXXX | OBX2025J2215 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| XXXX | XXXX | XXXX | OBX2025J2206 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | XXXX | XXXX | OBX2025J2205 |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.05

**Exhibit 99.05**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 |
| ![](ex99-05_001.jpg) | ![](ex99-05_001.jpg) | ![](ex99-05_001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** | **Supplemental Data** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** | **Run Date - 8/19/2025 12:59:24 PM** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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 | OBX2025J2047 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $995.00 | $5337.83 |  | 6.511% | XXXX | XXXX | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $24057.36 | 1 | $6255.72 | $11075.40 | $521.31 | $922.95 |  |  |  |  |  | 47.511% | 47.511% | 47.511% | 03/31/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 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 | $995.00 |  | 6.620% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | 6.500% | 1 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No | 12 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 308.34 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2018 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1588.00 | $14630.18 |  | 6.453% | XXXX | XXXX | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15068.07 | 1 | $8573.64 | $2246.04 | $714.47 | $187.17 |  |  |  |  |  | 44.246% | 44.246% | 44.246% | 02/17/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [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 | $1588.00 |  | 6.880% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | 6.375% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 52.210% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2165 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $6780.05 |  | 7.029% | XXXX | XXXX | 7.000% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26494.68 | 1 | $32202.12 | $5355.00 | $2683.51 | $446.25 |  |  |  |  |  | 42.027% | 42.027% | 42.027% | 05/07/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $2220.00 |  | 6.800% | $0.00 | 2.8 | DU |  | ApproveIneligible | No | No | 7.000% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 92.650% | No | 27 |  |  |  | Yes | Preliminary | 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 |  |  |  |  |  |  |  |  |  |  |  | 99.61 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2079 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $3143.33 |  | 7.273% | XXXX | XXXX | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15530.92 | 1 | $5241.72 | $3539.04 | $436.81 | $294.92 |  |  |  |  |  | 45.857% | 45.857% | 45.857% | 04/01/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 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%)]; Tax Return Extension (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%)]; 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%)]; 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%)]; 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%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<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%)]; Tax Return Extension (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%)]; 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%)]; K-1 - 2022<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]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1590.00 |  | 6.880% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | 7.250% | 3 | 2 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 26.540% | No |  | 28 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 24.76 |  | Yes | No |  | $0.00 | $4166.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2017 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1799.00 | $2928.92 |  | 7.150% | XXXX | XXXX | 7.125% | Yes | Yes | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30942.75 | 1 | $14945.28 | $1583.76 | $1245.44 | $131.98 |  |  |  |  |  | 37.760% | 37.760% | 37.760% | 01/24/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 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 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<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]; Award Letter / Continuance Letter - 2011<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1799.00 |  | 6.620% | $10000.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | 7.125% | 3 | 0 | 1 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | 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 |  |  |  |  |  |  |  |  |  |  |  | 589.85 |  | No | No |  | $40517.20 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2092 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7265.80 | $15832.59 |  | 7.299% | XXXX | XXXX | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27713.82 | 1 | $10842.00 | $3645.96 | $903.50 | $303.83 |  |  |  |  |  | 36.915% | 36.915% | 36.915% | 04/12/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 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%)]; Tax Return Extension (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%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 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]; The Work Number - Income - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7265.80 |  | 6.740% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 7.250% | 2 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 96.550% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 128.23 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2112 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3992.00 | $7969.44 |  | 6.917% | XXXX | XXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17716.33 | 1 | $15228.12 | $3871.92 | $1269.01 | $322.66 |  |  |  |  |  | 40.433% | 40.433% | 40.433% | 04/14/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<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<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<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 - 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]; Transcripts (1040) - 2022<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]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3992.00 |  | 6.800% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 6.875% | 3 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 37.800% | No | 27 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 19.33 |  | Yes | No |  | $0.00 | $17608.74 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2130 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16340.20 | $18732.15 |  | 7.080% | XXXX | XXXX | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $12276.70 | 1 | $14970.72 | $677.16 | $1247.56 | $56.43 |  |  |  |  |  | 38.049% | 38.049% | 38.049% | 03/28/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16340.20 |  | 6.620% | $16792.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 2 |  | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.580% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.46 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2247 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1325.00 | $2638.34 |  | 7.025% | XXXX | XXXX | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17605.64 | 1 | $9866.40 | $1692.36 | $822.20 | $141.03 |  |  |  |  |  | 30.022% | 30.022% | 30.022% | 05/02/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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<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 Transcript - 2024<br> [Coborrower(s) - \| 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> [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% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.000% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 42.410% | No | 29 | 29 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 34.66 |  |  | No |  | $0.00 | $10833.22 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2114 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4400.00 | $5805.86 |  | 7.177% | XXXX | XXXX | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19997.30 | 1 | $10667.40 | $4962.00 | $888.95 | $413.50 |  |  |  |  |  | 39.165% | 39.165% | 39.165% | 05/05/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<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<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $4400.00 |  | 6.800% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 7.125% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 25.240% | 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 |  |  |  |  |  |  |  |  |  |  |  | 7.86 |  | Yes | No |  | $0.00 | $13069.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2248 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11676.00 | $18464.00 |  | 7.079% | XXXX | XXXX | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24232.91 | 1 | $15000.00 | $8332.80 | $1250.00 | $694.40 |  |  |  |  |  | 42.987% | 42.987% | 42.987% | 05/05/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 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%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Interest / Dividends]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Interest / Dividends]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [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 | No |  | XXXX | $11676.00 |  | 6.800% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 7.000% | 0 | 0 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 54.480% | 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 |  |  |  |  |  |  |  |  |  |  |  | 50.25 |  | Yes | No |  | $12338.61 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2133 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17400.00 | $56557.42 |  | 6.688% | XXXX | XXXX | 6.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18421.74 | 1 | $8976.24 | $4217.04 | $748.02 | $351.42 |  |  |  |  |  | 38.594% | 38.594% | 38.594% | 04/07/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $17400.00 |  | 6.870% | $15000.00 | 1.2 | LP / LPA |  | Accept/Ineligible | No | No | 6.375% | 1 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 55.740% | No | 26 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 57.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2105 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10326.89 | $13708.76 |  | 6.625% | XXXX | XXXX | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29535.17 | 1 | $7281.96 | $3048.96 | $606.83 | $254.08 |  |  |  |  |  | 24.721% | 24.721% | 24.721% | 03/14/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 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]; 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 - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10326.89 |  | 6.800% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 60.680% | 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 |  |  |  |  |  |  |  |  |  |  |  | 64.49 |  | No | No |  | $0.00 | $18453.76 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2157 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1590.00 | $6103.77 |  | 7.145% | XXXX | XXXX | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $22296.33 | 1 | $13428.60 | $3395.04 | $1119.05 | $282.92 |  |  |  |  |  | 44.259% | 44.259% | 44.259% | 04/03/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Other - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1590.00 |  | 6.870% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 456.96 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2207 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2070.00 | $7094.30 |  | 7.043% | XXXX | XXXX | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9661.17 | 1 | $15833.16 | $3600.00 | $1319.43 | $300.00 |  |  |  |  |  | 47.220% | 47.220% | 47.220% | 05/29/2025 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Deposit Receipt - 2025<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2025 | [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 | $2070.00 |  | 6.870% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 7.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 35.450% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.5 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2184 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6803.74 | $8511.41 |  | 6.587% | XXXX | XXXX | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20282.64 | 1 | $15978.00 | $4889.16 | $1331.50 | $407.43 |  |  |  |  |  | 38.864% | 38.864% | 38.864% | 05/24/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; 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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [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 | $6803.74 |  | 6.930% | $5659.00 | 1.3 | DU |  | ApproveIneligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 82.660% | 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 |  |  |  |  |  |  |  |  |  |  |  | 86.44 |  | No | No |  | $0.00 | $14009.59 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2163 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28278.94 | $9889.23 |  | 6.437% | XXXX | XXXX | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25651.08 | 1 | $13660.32 | $3165.00 | $1138.36 | $263.75 |  |  |  |  |  | 27.818% | 27.818% | 27.818% | 05/19/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $28278.94 |  | 6.870% | $52964.03 | 2.6 | DU |  | ApproveIneligible | No | No | 6.375% | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 6.550% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.53 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2170 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1970.00 | $3254.04 |  | 6.649% | XXXX | XXXX | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $59440.66 | 1 | $35461.20 | $8424.12 | $2955.10 | $702.01 |  |  |  |  |  | 21.793% | 21.793% | 21.793% | 05/27/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 | $1970.00 |  | 6.920% | $0.00 | 2.9 | LP / LPA |  | Accept/Ineligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 44.130% | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.98 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2169 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1545.00 | $8143.48 |  | 6.893% | XXXX | XXXX | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $27713.38 | 1 | $24687.84 | $1481.76 | $2057.32 | $123.48 |  |  |  |  |  | 36.340% | 36.340% | 36.340% | 05/26/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 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> [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1545.00 |  | 6.930% | $500.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.875% | 3 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 28.530% | No | 28 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 10.38 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2040 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $8541.68 |  | 6.875% | XXXX | XXXX | 6.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $56029.42 | 1 | $3837.84 | $2877.00 | $319.82 | $239.75 |  |  |  |  |  | 17.395% | 17.395% | 17.395% | 04/03/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<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 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 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]; 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]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX |  |  | 6.650% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 6.875% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  | No | 27 | 27 |  |  | 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 | 120.2 |  |  | No |  | $0.00 | $15053.48 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2068 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9770.00 | $13270.40 |  | 6.978% | XXXX | XXXX | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12148.51 | 1 | $6713.76 | $3710.04 | $559.48 | $309.17 |  |  |  |  |  | 38.521% | 38.521% | 38.521% | 04/29/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; Paystubs - 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 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023 | [Borrower]; 1040 - 2024<br> [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]; 4506-C - 2022<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]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 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 | $9770.00 |  | 6.880% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 6.875% | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 49.450% | No |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 50.47 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2120 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1295.00 | $4747.33 |  | 7.143% | XXXX | XXXX | 7.125% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19939.71 | 1 | $13317.96 | $5694.72 | $1109.83 | $474.56 |  |  |  |  |  | 33.805% | 33.805% | 33.805% | 05/13/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<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]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<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]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1295.00 |  | 6.800% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 7.125% | 0 | 0 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 62.190% | 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 |  |  |  |  |  |  |  |  |  |  |  | 58.07 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2162 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2320.14 |  | 7.258% | XXXX | XXXX | 7.250% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16438.75 | 1 | $6763.68 | $1750.68 | $563.64 | $145.89 |  |  |  |  |  | 40.660% | 40.660% | 40.660% | 05/19/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2025<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; 1099 Transcript - 2023<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]; 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 - 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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 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 |  |  | 6.870% | $5000.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 27.870% | No |  | 28 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 14.63 |  | No | No |  | $0.00 | $16900.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2215 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8087.00 | $11185.49 |  | 6.584% | XXXX | XXXX | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19738.89 | 1 | $13051.44 | $2463.96 | $1087.62 | $205.33 |  |  |  |  |  | 30.073% | 30.073% | 30.073% | 05/22/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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]; VVOE - 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]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8087.00 |  | 6.920% | $0.00 |  | LP / LPA |  | Accept/Ineligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | XXXX | XXXX | 56.250% | 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 |  |  |  |  |  |  |  |  |  |  |  | 56.19 |  |  | No |  | $0.00 | $11514.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2206 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12710.00 | $14119.78 |  | 7.381% | XXXX | XXXX | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17683.15 | 1 | $14546.40 | $2982.96 | $1212.20 | $248.58 |  |  |  |  |  | 42.114% | 42.114% | 42.114% | 05/29/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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]; 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]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $12710.00 |  | 6.920% | $0.00 | 4.2 | DU |  | ApproveIneligible | N/A | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 42.860% | 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 |  |  |  |  |  |  |  |  |  |  |  | 28.04 |  | Yes | No |  | $0.00 | $3464.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | XXXX | XXXX | OBX2025J2205 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5484.00 | $11883.00 |  | 7.186% | XXXX | XXXX | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12515.78 | 1 | $8379.00 | $2414.04 | $698.25 | $201.17 |  |  |  |  |  | 41.151% | 41.151% | 41.151% | 05/14/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employment Contract - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Projected Income]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 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]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<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 | $5484.00 |  | 6.920% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 7.125% | 2 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | 38.120% | No | 28 | 33 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.49 |  |  | No |  | $8268.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 8/19/2025 1:06:21 PM** | **Run Date - 8/19/2025 1:06:21 PM** | **Run Date - 8/19/2025 1:06:21 PM** |  |  |  |  |  |  |  |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX |  | OBX2025J2047 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2047 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2018 | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2165 | Representative FICO | 809 | 803 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX |  | OBX2025J2079 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2017 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2017 | Original Interest Rate | 7.25 | 7.125 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J2017 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX |  | OBX2025J2017 | Investor: Qualifying Total Debt Ratio | 29.9703 | 37.76022 | Verified | [Redacted}-Per docs in file Taxes, Insurance and HOA is $2107.65 vs worksheet of $2703.17. Negative rental income of $-1800.29 vs $-2403.25 |
| XXXX | XXXX | XXXX |  | OBX2025J2092 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2092 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2092 | Investor: Qualifying Total Debt Ratio | 34.3667 | 36.91464 | Verified | Per AUS DTI is 36.40% and calculated DTI is 36.40% |
| XXXX | XXXX | XXXX |  | OBX2025J2112 | Investor: Qualifying Total Debt Ratio | 34.6841 | 40.43343 | Verified | Per AUS DTI is 40.44% and calculated DTI is 40.43% |
| XXXX | XXXX | XXXX |  | OBX2025J2112 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2130 | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | OBX2025J2130 | Decision System | LP / LPA | DU | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2130 | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J2247 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2247 | Investor: Qualifying Total Debt Ratio | 38.27 | 30.02239 | Verified | Per AUS DTI is 29.89% and calculated DTI is 30.02% due to the taxes being $822.20 per the CD, First Payment Letter and 1003 vs AUS/1008 of $790.17. |
| XXXX | XXXX | XXXX |  | OBX2025J2247 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2114 | Original Interest Rate | 6.875 | 7.125 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J2114 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2114 | Investor: Qualifying Total Debt Ratio | 35.32 | 39.1649 | Verified | Per AUS DTI is 39.16% and calculated DTI is 39.16% |
| XXXX | XXXX | XXXX |  | OBX2025J2248 | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J2248 | Investor: Qualifying Total Debt Ratio | 39.434 | 42.98706 | Verified | Matching with AUS/1008 |
| XXXX | XXXX | XXXX |  | OBX2025J2248 | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J2133 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | OBX2025J2133 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | N/A |
| XXXX | XXXX | XXXX |  | OBX2025J2133 | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2105 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2105 | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2105 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2157 | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2157 | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX |  | OBX2025J2157 | Investor: Qualifying Total Debt Ratio | 41.89 | 44.25918 | Verified | DTI matches lender's 1008 |
| XXXX | XXXX | XXXX |  | OBX2025J2157 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2207 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2184 | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2184 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2184 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2163 | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2163 | Investor: Qualifying Total Debt Ratio | 23 | 27.81747 | Verified | Field value matches AUS |
| XXXX | XXXX | XXXX |  | OBX2025J2170 | Original Interest Rate | 6.75 | 6.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J2170 | LTV Valuation Value | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX |  | OBX2025J2170 | Investor: Qualifying Total Debt Ratio | 29.76 | 21.79278 | Verified | DTI matching with as per 1008 document |
| XXXX | XXXX | XXXX |  | OBX2025J2169 | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX |  | OBX2025J2169 | Investor: Qualifying Total Debt Ratio | 31.1185 | 36.34002 | Verified | Field Value DTI matches 1008 DTI of 36.339%. |
| XXXX | XXXX | XXXX |  | OBX2025J2169 | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J2040 | Original CLTV | 80 | 73.61818 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | OBX2025J2040 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2040 | Investor: Qualifying Total Debt Ratio | 22.6675 | 17.39519 | Verified | Per AUS DTI is 20.02% and calculated DTI is 17.40% due to the taxes of $319.82 per Final CD, First payment letter and 1003 vs AUS of $2097.07 |
| XXXX | XXXX | XXXX |  | OBX2025J2040 | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX |  | OBX2025J2040 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2040 | 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 |  | OBX2025J2040 | Original LTV | 80 | 73.61818 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX |  | OBX2025J2068 | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J2068 | Investor: Qualifying Total Debt Ratio | 24.9 | 38.52109 | Verified | Field Value DTI matches 1008 DTI |
| XXXX | XXXX | XXXX |  | OBX2025J2120 | Investor: Qualifying Total Debt Ratio | 23.009 | 33.80458 | Verified | Due to Negative Rental of $533.00 on the Final 1003. it was added to the DTI. |
| XXXX | XXXX | XXXX |  | OBX2025J2120 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2120 | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX |  | OBX2025J2162 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2215 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX |  | OBX2025J2206 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX |  | OBX2025J2206 | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX |  | OBX2025J2205 | Investor: Qualifying Total Debt Ratio | 45 | 41.15098 | Verified | Field Value DTI matches 1008 DTI. |

---

## Exhibit 99.07

**Exhibit 99.07**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by Bank of America, N.A. The review included a total of 217 residential mortgage loans in connection with the securitization identified as OBX 2025-J2 (the "Securitization").

Credit, Compliance, Property Valuation, and Data Integrity reviews were performed on a population of 212 loans. Credit, Compliance, Property Valuation, Data Integrity, Pay History, and Tax and Title reviews were performed on a population of 5 loans.

The Review was conducted from July 2024 through August 2025 on mortgage loans originated between June 2024 and July 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;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;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;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;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;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;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;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 (217 loans in total):

Six (6) loans had a Secondary Appraisal, zero (0) loans had an AVM, two hundred sixteen (216) 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 seventeen (217) mortgage loans reviewed, one hundred forty-two (142) unique mortgage loans (65.44% by loan count) had a total of eight hundred ninety-one (891) discrepancies across forty-three (43) 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;132 | &nbsp;&nbsp;14.81% |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;93 | &nbsp;&nbsp;10.44% |
| &nbsp;&nbsp;Cash to Close | &nbsp;&nbsp;83 | &nbsp;&nbsp;9.32% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;59 | &nbsp;&nbsp;6.62% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;49 | &nbsp;&nbsp;5.50% |
| &nbsp;&nbsp;Total Qualified Assets for Reserves Post-Close | &nbsp;&nbsp;49 | &nbsp;&nbsp;5.50% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;46 | &nbsp;&nbsp;5.16% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;44 | &nbsp;&nbsp;4.94% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;36 | &nbsp;&nbsp;4.04% |
| &nbsp;&nbsp;Total Closing Costs | &nbsp;&nbsp;36 | &nbsp;&nbsp;4.04% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;35 | &nbsp;&nbsp;3.93% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;33 | &nbsp;&nbsp;3.70% |
| &nbsp;&nbsp;Interested Party Contributions | &nbsp;&nbsp;29 | &nbsp;&nbsp;3.25% |
| &nbsp;&nbsp;Monthly Property Tax Amount | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.14% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;23 | &nbsp;&nbsp;2.58% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;13 | &nbsp;&nbsp;1.46% |
| &nbsp;&nbsp;Qualifying HLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;Monthly HOA $| &nbsp;&nbsp;5 | &nbsp;&nbsp;0.56% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;Secondary Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.34% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Borrower 3 Origination FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;Loan Originator NMLS | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.11% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**891** | &nbsp;&nbsp;**100.00%** |

---

**PAY HISTORY REVIEW RESULTS SUMMARY**

For loans reviewed post-close, 5 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**

Five (5) 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 <br> Sample |
| Event Grade A | 211 | $269688616.00 | 97.24% |
| Event Grade B | 6 | $8355576.00 | 2.76% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 217 | $278044192.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 216 | 99.54% |
| Event Grade B | 1 | 0.46% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 217 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 214 | 98.62% |
| Event Grade B | 3 | 1.38% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 217 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 215 | 99.08% |
| Event Grade B | 2 | 0.92% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 217 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;216 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;24 |
| &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;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing US Patriot Act Disclosure or ID | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 1 Business Tax Returns Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Missing final HUD-1 from sale of non-subject property | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 Paystubs Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 3 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;FEMA Declared Disaster - For Information Only | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 5 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;AUS is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 4 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;HMDA Discrepancy(s) Noted | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Purchase Contract is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Asset 6 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 Unable to Determine borrower citizenship | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;ULI Number on URLA does not match ULI Number provided by the Lender | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower Liabilities Verification Indicator is Partial | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;DTI Exceeds AUS Maximum Allowable | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***354*** |
|  | &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;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &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;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &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;Right of Rescission is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% 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;No Compliance Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Lending Policy Points and Fees Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &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;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Partially Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Collateral Protection Notice is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Credit Score Disclosure (FACTA) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***56*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***3*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Subject property appraisal is not on an as-is basis (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property located in FEMA Declared Disaster Area with no subsequent Property Inspection | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***12*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;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** |
| OBX2025J2007 | Borrower 1 FTHB | false | true | FALSE |
| OBX2025J2023 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2023 | All Other Payments | 1474.7 | 1474.0 | FALSE |
| OBX2025J2023 | Total Qualified Assets Post-Close | 242037.8 | 531689.8 | FALSE |
| OBX2025J2023 | Qualifying Total Debt Income Ratio | 37.63 | 38.0 | FALSE |
| OBX2025J2023 | Qualifying Housing Debt Income Ratio | 31.38 | 31.0 | FALSE |
| OBX2025J2028 | Property Address | XXX | XXX | FALSE |
| OBX2025J2028 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2028 | All Other Payments | 2208.62 | 12409.09 | FALSE |
| OBX2025J2028 | Cash to Close | 14330 | 1433.0 | FALSE |
| OBX2025J2028 | Monthly Property Tax Amount | 3832.06 | 3832.07 | FALSE |
| OBX2025J2028 | Qualifying LTV | 59.2 | 60.0 | FALSE |
| OBX2025J2028 | Qualifying CLTV | 59.2 | 60.0 | FALSE |
| OBX2025J2028 | Total Qualified Assets Post-Close | 1744064.91 | 482490.18 | FALSE |
| OBX2025J2048 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2048 | All Other Payments | 2685 | 11778.31 | FALSE |
| OBX2025J2048 | Qualifying CLTV | 79.08 | 80.0 | FALSE |
| OBX2025J2048 | Qualifying LTV | 79.08 | 80.0 | FALSE |
| OBX2025J2048 | Total Qualified Assets Post-Close | 548100.41 | 837162.48 | FALSE |
| OBX2025J2048 | Qualifying Housing Debt Income Ratio | 17.37 | 11.56 | FALSE |
| OBX2025J2048 | Qualifying Total Debt Income Ratio | 37.27 | 24.8 | FALSE |
| OBX2025J2072 | Property Address | XXX | XXX | FALSE |
| OBX2025J2072 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2072 | All Other Payments | 3220.67 | 3211.67 | FALSE |
| OBX2025J2072 | Qualifying Total Debt Income Ratio | 12.04 | 12.0 | FALSE |
| OBX2025J2072 | Qualifying Housing Debt Income Ratio | 9.31 | 9.0 | FALSE |
| OBX2025J2041 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2041 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2041 | All Other Payments | 5934 | 10388.62 | FALSE |
| OBX2025J2041 | Qualifying CLTV | 63.43 | 64.0 | FALSE |
| OBX2025J2041 | Qualifying LTV | 63.43 | 64.0 | FALSE |
| OBX2025J2041 | Total Qualified Assets Post-Close | 288450.93 | 165664.59 | FALSE |
| OBX2025J2041 | Qualifying Total Debt Income Ratio | 44.17 | 44.09 | FALSE |
| OBX2025J2082 | All Other Payments | 985 | 6966.06 | FALSE |
| OBX2025J2082 | Total Closing Costs | 35097.32 | 7000.0 | FALSE |
| OBX2025J2082 | Interested Party Contributions | 7000 | 0.00295 | FALSE |
| OBX2025J2082 | Qualifying CLTV | 47.37 | 48.0 | FALSE |
| OBX2025J2082 | Qualifying LTV | 47.37 | 48.0 | FALSE |
| OBX2025J2082 | Total Monthly Property Insurance Amount | 1008.09 | 495.84 | FALSE |
| OBX2025J2082 | Total Qualified Assets Post-Close | 898520.79 | 2187183.57 | FALSE |
| OBX2025J2082 | Qualifying Total Debt Income Ratio | 46.69 | 46.7 | FALSE |
| OBX2025J2074 | Total Qualified Assets Post-Close | 270474.52 | 559987.87 | FALSE |
| OBX2025J2074 | Qualifying Housing Debt Income Ratio | 38.03 | 38.0 | FALSE |
| OBX2025J2074 | Qualifying Total Debt Income Ratio | 38.43 | 38.0 | FALSE |
| OBX2025J2065 | All Other Payments | 138 | 1147.88 | FALSE |
| OBX2025J2065 | Monthly Property Tax Amount | 1170.59 | 1170.58 | FALSE |
| OBX2025J2065 | Qualifying LTV | 74.07 | 75.0 | FALSE |
| OBX2025J2065 | Qualifying CLTV | 74.07 | 75.0 | FALSE |
| OBX2025J2065 | Total Qualified Assets Post-Close | 571547.09 | 968597.42 | FALSE |
| OBX2025J2056 | Property Address | XXX | XXX | FALSE |
| OBX2025J2056 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2056 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2056 | All Other Payments | 583 | 11049.11 | FALSE |
| OBX2025J2056 | Total Qualified Assets Post-Close | 364167.04 | 742520.47 | FALSE |
| OBX2025J2056 | Qualifying Housing Debt Income Ratio | 26.99 | 27.0 | FALSE |
| OBX2025J2075 | Total Qualified Assets Post-Close | 296791.12 | 638591.43 | FALSE |
| OBX2025J2077 | All Other Payments | 264 | 4207.08 | FALSE |
| OBX2025J2077 | Total Qualified Assets Post-Close | 1046372.8 | 1141704.41 | FALSE |
| OBX2025J2077 | Qualifying Housing Debt Income Ratio | 19.9 | 20.0 | FALSE |
| OBX2025J2077 | Qualifying Total Debt Income Ratio | 25.14 | 24.0 | FALSE |
| OBX2025J2084 | Borrower 1 FTHB | false | true | FALSE |
| OBX2025J2084 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2084 | Total Qualified Assets Post-Close | 550486.27 | 600321.75 | FALSE |
| OBX2025J2098 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2098 | Borrower 1 SSN | XXX | XXX | FALSE |
| OBX2025J2098 | Cash to Close | 619069.8 | 675483.09 | FALSE |
| OBX2025J2098 | Monthly Property Tax Amount | 978.56 | 978.58 | FALSE |
| OBX2025J2098 | Total Qualified Assets for Reserves Post-Close | 383625.98 | 600820.08 | FALSE |
| OBX2025J2098 | Qualifying Total Reserves Number of Months | 26.08 | 56.0 | FALSE |
| OBX2025J2098 | Total Qualified Assets Post-Close | 383625.98 | 1002800.78 | FALSE |
| OBX2025J2098 | Qualifying Housing Debt Income Ratio | 3.65 | 3.63 | FALSE |
| OBX2025J2098 | Qualifying Total Debt Income Ratio | 9.83 | 9.82 | FALSE |
| OBX2025J2060 | Property Address | XXX | XXX | FALSE |
| OBX2025J2060 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2060 | All Other Payments | 273 | 3530.78 | FALSE |
| OBX2025J2060 | Interested Party Contributions | 0 | 5.0E-4 | FALSE |
| OBX2025J2060 | Total Closing Costs | 10298.26 | 1000.0 | FALSE |
| OBX2025J2060 | Total Qualified Assets Post-Close | 65169.44 | 671311.27 | FALSE |
| OBX2025J2060 | Qualifying Total Debt Income Ratio | 38.5 | 35.58 | FALSE |
| OBX2025J2060 | Qualifying Housing Debt Income Ratio | 30.89 | 28.55 | FALSE |
| OBX2025J2118 | All Other Payments | 1973 | 3350.96 | FALSE |
| OBX2025J2118 | Cash to Close | 421466.73 | 419105.51 | FALSE |
| OBX2025J2118 | Qualifying CLTV | 69.59 | 70.0 | FALSE |
| OBX2025J2118 | Qualifying LTV | 69.59 | 70.0 | FALSE |
| OBX2025J2118 | Qualifying HLTV | 69.59 | 69.58 | FALSE |
| OBX2025J2118 | Total Qualified Assets Post-Close | 82226.13 | 624191.66 | FALSE |
| OBX2025J2118 | Total Qualified Assets for Reserves Post-Close | 82226.13 | 198056.64 | FALSE |
| OBX2025J2118 | Qualifying Total Reserves Number of Months | 9.96 | 24.0 | FALSE |
| OBX2025J2025 | Loan ID | XXXX | XXXX | FALSE |
| OBX2025J2025 | Property Address | XXX | XXX | FALSE |
| OBX2025J2025 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2025 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2025 | All Other Payments | 911.94 | 16847.44 | FALSE |
| OBX2025J2025 | Qualifying CLTV | 68.43 | 68.42 | FALSE |
| OBX2025J2025 | Qualifying LTV | 68.43 | 68.42 | FALSE |
| OBX2025J2025 | Total Qualified Assets Post-Close | 872310.81 | 872310.95 | FALSE |
| OBX2025J2025 | Qualifying Total Debt Income Ratio | 40.79 | 41.0 | FALSE |
| OBX2025J2025 | Qualifying Housing Debt Income Ratio | 29.19 | 29.0 | FALSE |
| OBX2025J2081 | Property Address | XXX | XXX | FALSE |
| OBX2025J2081 | Interested Party Contributions | 27645 | 0.00329 | FALSE |
| OBX2025J2081 | Total Closing Costs | 101586.11 | 27645.0 | FALSE |
| OBX2025J2081 | Secondary Appraised Property Value | XXX | XXX | FALSE |
| OBX2025J2081 | Qualifying LTV | 46.67 | 47.0 | FALSE |
| OBX2025J2081 | Primary Appraised Property Value | XXX | XXX | FALSE |
| OBX2025J2081 | Qualifying CLTV | 46.67 | 47.0 | FALSE |
| OBX2025J2081 | Total Qualified Assets Post-Close | 3631444.81 | 6920277.43 | FALSE |
| OBX2025J2097 | Property Address | XXX | XXX | FALSE |
| OBX2025J2097 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2097 | All Other Payments | 132 | 6172.33 | FALSE |
| OBX2025J2097 | Total Qualified Assets Post-Close | 698336.39 | 1045134.24 | FALSE |
| OBX2025J2091 | All Other Payments | 585 | 4083.37 | FALSE |
| OBX2025J2091 | Total Qualified Assets Post-Close | 581703.01 | 813518.86 | FALSE |
| OBX2025J2058 | Loan ID | XXXX | XXXX | FALSE |
| OBX2025J2058 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2058 | All Other Payments | 4447 | 21441.28 | FALSE |
| OBX2025J2058 | Total Qualified Assets Post-Close | 264909.7 | 728158.27 | FALSE |
| OBX2025J2067 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2067 | Qualifying FICO | 816 | 811.0 | FALSE |
| OBX2025J2067 | Cash to Close | 213819.54 | 277019.74 | FALSE |
| OBX2025J2067 | Total Closing Costs | 17729.74 | 52005.0 | FALSE |
| OBX2025J2067 | Total Monthly Property Insurance Amount | 0 | 125.0 | FALSE |
| OBX2025J2067 | Total Qualified Assets Post-Close | 2040734.48 | 2319553.83 | FALSE |
| OBX2025J2067 | Qualifying Total Reserves Number of Months | 241.26 | 6.0 | FALSE |
| OBX2025J2067 | Total Qualified Assets for Reserves Post-Close | 2040734.48 | 48038.52 | FALSE |
| OBX2025J2083 | All Other Payments | 2726 | 4978.16 | FALSE |
| OBX2025J2083 | Total Closing Costs | 18821.02 | 250.0 | FALSE |
| OBX2025J2083 | Cash to Close | 253966.8 | 255776.77 | FALSE |
| OBX2025J2083 | Qualifying Total Reserves Number of Months | 97.67 | 6.0 | FALSE |
| OBX2025J2083 | Total Qualified Assets for Reserves Post-Close | 812323.44 | 49900.32 | FALSE |
| OBX2025J2083 | Total Qualified Assets Post-Close | 812323.44 | 1079977.37 | FALSE |
| OBX2025J2108 | All Other Payments | 535 | 1857.43 | FALSE |
| OBX2025J2108 | Qualifying LTV | 62.62 | 63.0 | FALSE |
| OBX2025J2108 | Qualifying CLTV | 62.62 | 63.0 | FALSE |
| OBX2025J2108 | Total Qualified Assets Post-Close | 5081146.42 | 6100508.61 | FALSE |
| OBX2025J2108 | Qualifying Total Debt Income Ratio | 39.35 | 39.32 | FALSE |
| OBX2025J2108 | Qualifying Housing Debt Income Ratio | 34.34 | 34.31 | FALSE |
| OBX2025J2014 | Property County | XXX | XXX | FALSE |
| OBX2025J2014 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2014 | All Other Payments | 423 | 38674.77 | FALSE |
| OBX2025J2014 | Cash to Close | 355589.32 | 368908.69 | FALSE |
| OBX2025J2014 | Monthly Property Tax Amount | 1886.15 | 653.01 | FALSE |
| OBX2025J2014 | Total Monthly Property Insurance Amount | 243.94 | 416.67 | FALSE |
| OBX2025J2014 | Total Qualified Assets Post-Close | 200751.96 | 556341.28 | FALSE |
| OBX2025J2014 | Qualifying Total Debt Income Ratio | 17.08 | 19.0 | FALSE |
| OBX2025J2014 | Qualifying Housing Debt Income Ratio | 6.93 | 7.0 | FALSE |
| OBX2025J2116 | All Other Payments | 75 | 6869.82 | FALSE |
| OBX2025J2116 | Interested Party Contributions | 12643 | 0.00744 | FALSE |
| OBX2025J2116 | Total Closing Costs | 35767.35 | 12643.0 | FALSE |
| OBX2025J2116 | Total Qualified Assets Post-Close | 582044.02 | 1012819.34 | FALSE |
| OBX2025J2116 | Qualifying Total Debt Income Ratio | 42.8 | 42.66 | FALSE |
| OBX2025J2107 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2107 | All Other Payments | 947 | 947.01 | FALSE |
| OBX2025J2107 | Cash to Close | 315298.03 | 321030.77 | FALSE |
| OBX2025J2107 | Monthly Property Tax Amount | 835.83 | 739.58 | FALSE |
| OBX2025J2107 | Total Monthly Property Insurance Amount | 180.02 | 233.33 | FALSE |
| OBX2025J2107 | Total Qualified Assets for Reserves Post-Close | 603728.47 | 78920.16 | FALSE |
| OBX2025J2107 | Total Qualified Assets Post-Close | 603728.47 | 402067.32 | FALSE |
| OBX2025J2107 | Qualifying Total Reserves Number of Months | 84.15 | 11.0 | FALSE |
| OBX2025J2135 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2135 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2135 | All Other Payments | 3676.92 | 11862.92 | FALSE |
| OBX2025J2135 | Monthly Property Tax Amount | 1086.8 | 1086.81 | FALSE |
| OBX2025J2135 | Qualifying LTV | 70.69 | 71.0 | FALSE |
| OBX2025J2135 | Qualifying CLTV | 70.69 | 71.0 | FALSE |
| OBX2025J2135 | Total Qualified Assets Post-Close | 627412.22 | 879388.77 | FALSE |
| OBX2025J2106 | All Other Payments | 226 | 5172.83 | FALSE |
| OBX2025J2106 | Total Monthly Property Insurance Amount | 220.91 | 148.08 | FALSE |
| OBX2025J2106 | Qualifying Total Reserves Number of Months | 60 | 59.0 | FALSE |
| OBX2025J2106 | Total Qualified Assets for Reserves Post-Close | 361450.76 | 35192.91 | FALSE |
| OBX2025J2106 | Total Qualified Assets Post-Close | 361450.76 | 645642.0 | FALSE |
| OBX2025J2106 | Qualifying Total Debt Income Ratio | 22.96 | 22.94 | FALSE |
| OBX2025J2087 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2087 | All Other Payments | 347 | 703.99 | FALSE |
| OBX2025J2087 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2087 | Cash to Close | 10837.2 | 190998.79 | FALSE |
| OBX2025J2087 | Qualifying Total Reserves Number of Months | 26.6 | 9.0 | FALSE |
| OBX2025J2087 | Total Qualified Assets Post-Close | 291592.77 | 302429.97 | FALSE |
| OBX2025J2087 | Total Qualified Assets for Reserves Post-Close | 291592.77 | 98655.21 | FALSE |
| OBX2025J2087 | Qualifying Housing Debt Income Ratio | 34.69 | 35.0 | FALSE |
| OBX2025J2087 | Qualifying Total Debt Income Ratio | 36.92 | 37.0 | FALSE |
| OBX2025J2076 | Property County | XXX | XXX | FALSE |
| OBX2025J2076 | Borrower 1 FTHB | false | true | FALSE |
| OBX2025J2076 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2076 | Borrower 3 Origination FICO | 803 | 0.0 | FALSE |
| OBX2025J2076 | All Other Payments | 1385 | 3209.0 | FALSE |
| OBX2025J2076 | Cash to Close | 972022.83 | 983151.44 | FALSE |
| OBX2025J2076 | Monthly Property Tax Amount | 1680.83 | 2500.0 | FALSE |
| OBX2025J2076 | Total Monthly Property Insurance Amount | 403.42 | 583.33 | FALSE |
| OBX2025J2076 | Total Qualified Assets Post-Close | 2498477.56 | 3610978.39 | FALSE |
| OBX2025J2076 | Qualifying Housing Debt Income Ratio | 31.55 | 32.0 | FALSE |
| OBX2025J2064 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2064 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2064 | All Other Payments | 1926 | 2020.0 | FALSE |
| OBX2025J2064 | Cash to Close | 1091325.3 | 1096755.84 | FALSE |
| OBX2025J2064 | Monthly HOA $| 332 | 330.0 | FALSE |
| OBX2025J2064 | Qualifying LTV | 52.4 | 53.0 | FALSE |
| OBX2025J2064 | Qualifying CLTV | 52.4 | 53.0 | FALSE |
| OBX2025J2064 | Total Monthly Property Insurance Amount | 446.67 | 250.0 | FALSE |
| OBX2025J2064 | Total Qualified Assets Post-Close | 2180383.11 | 3133281.13 | FALSE |
| OBX2025J2064 | Qualifying Total Debt Income Ratio | 47.38 | 47.82 | FALSE |
| OBX2025J2144 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2144 | All Other Payments | 809 | 6787.0 | FALSE |
| OBX2025J2144 | Total Closing Costs | 59869.64 | 10994.0 | FALSE |
| OBX2025J2144 | Total Qualified Assets Post-Close | 668036.43 | 693200.61 | FALSE |
| OBX2025J2070 | All Other Payments | 1395 | 11175.0 | FALSE |
| OBX2025J2070 | Borrower 2 Origination FICO | 811 | 0.0 | FALSE |
| OBX2025J2070 | Total Closing Costs | 39375.83 | 39250.0 | FALSE |
| OBX2025J2070 | Interested Party Contributions | 39250 | 0.0096 | FALSE |
| OBX2025J2070 | Total Monthly Property Insurance Amount | 530.92 | 371.67 | FALSE |
| OBX2025J2070 | Total Qualified Assets Post-Close | 676915.42 | 1081591.75 | FALSE |
| OBX2025J2070 | Qualifying Total Debt Income Ratio | 23.72 | 23.62 | FALSE |
| OBX2025J2073 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2073 | All Other Payments | 4385 | 17820.36 | FALSE |
| OBX2025J2073 | Cash to Close | 424781.47 | 424608.78 | FALSE |
| OBX2025J2073 | Total Qualified Assets Post-Close | 246477.08 | 671258.55 | FALSE |
| OBX2025J2073 | Qualifying Total Debt Income Ratio | 29.11 | 28.53 | FALSE |
| OBX2025J2125 | Cash to Close | 263767.93 | 339828.69 | FALSE |
| OBX2025J2125 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2125 | Qualifying Total Reserves Number of Months | 33.73 | 35.0 | FALSE |
| OBX2025J2125 | Total Qualified Assets for Reserves Post-Close | 370015.29 | 383933.55 | FALSE |
| OBX2025J2125 | Total Qualified Assets Post-Close | 370015.29 | 712658.22 | FALSE |
| OBX2025J2080 | All Other Payments | 888 | 9563.74 | FALSE |
| OBX2025J2080 | Interested Party Contributions | 8250 | 0.00516 | FALSE |
| OBX2025J2080 | Total Closing Costs | 29906.57 | 8250.0 | FALSE |
| OBX2025J2080 | Monthly Property Tax Amount | 761.6 | 731.14 | FALSE |
| OBX2025J2080 | Total Qualified Assets Post-Close | 248855.08 | 666229.26 | FALSE |
| OBX2025J2080 | Qualifying Housing Debt Income Ratio | 17.6 | 17.54 | FALSE |
| OBX2025J2080 | Qualifying Total Debt Income Ratio | 28.29 | 28.27 | FALSE |
| OBX2025J2109 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2109 | Total Qualified Assets Post-Close | 1015777.13 | 599102.68 | FALSE |
| OBX2025J2089 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2089 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2089 | All Other Payments | 141 | 7720.41 | FALSE |
| OBX2025J2089 | Cash to Close | 24172.89 | 527845.17 | FALSE |
| OBX2025J2089 | Monthly Property Tax Amount | 3454.99 | 3454.0 | FALSE |
| OBX2025J2089 | Total Monthly Property Insurance Amount | 839.89 | 732.97 | FALSE |
| OBX2025J2089 | Qualifying Total Reserves Number of Months | 152.57 | 9.0 | FALSE |
| OBX2025J2089 | Total Qualified Assets for Reserves Post-Close | 2176778.24 | 128403.81 | FALSE |
| OBX2025J2089 | Total Qualified Assets Post-Close | 2176778.24 | 2302239.0 | FALSE |
| OBX2025J2094 | All Other Payments | 173 | 9349.0 | FALSE |
| OBX2025J2094 | Cash to Close | 838189.83 | 834726.82 | FALSE |
| OBX2025J2094 | Qualifying LTV | 71.43 | 72.0 | FALSE |
| OBX2025J2094 | Qualifying HLTV | 71.43 | 71.42 | FALSE |
| OBX2025J2094 | Qualifying CLTV | 71.43 | 72.0 | FALSE |
| OBX2025J2094 | Qualifying Total Reserves Number of Months | 31.26 | 31.0 | FALSE |
| OBX2025J2094 | Total Qualified Assets for Reserves Post-Close | 561874.88 | 557199.89 | FALSE |
| OBX2025J2094 | Total Qualified Assets Post-Close | 561874.88 | 1400064.71 | FALSE |
| OBX2025J2078 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2078 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2078 | All Other Payments | 2538 | 13691.74 | FALSE |
| OBX2025J2078 | Total Closing Costs | 23277.36 | 20000.0 | FALSE |
| OBX2025J2078 | Interested Party Contributions | 20000 | 0.01082 | FALSE |
| OBX2025J2078 | Cash to Close | 345581.68 | 343232.68 | FALSE |
| OBX2025J2078 | Total Qualified Assets Post-Close | 101706.32 | 466561.33 | FALSE |
| OBX2025J2078 | Qualifying Total Debt Income Ratio | 39.43 | 39.0 | FALSE |
| OBX2025J2078 | Qualifying Housing Debt Income Ratio | 23.82 | 24.0 | FALSE |
| OBX2025J2110 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2110 | All Other Payments | 146 | 6440.34 | FALSE |
| OBX2025J2110 | Cash to Close | 210685.81 | 213387.45 | FALSE |
| OBX2025J2110 | Monthly Property Tax Amount | 291.22 | 345.75 | FALSE |
| OBX2025J2110 | Total Monthly Property Insurance Amount | 220.91 | 255.18 | FALSE |
| OBX2025J2110 | Total Qualified Assets Post-Close | 144200.52 | 369886.33 | FALSE |
| OBX2025J2110 | Qualifying Total Debt Income Ratio | 31.03 | 31.0 | FALSE |
| OBX2025J2110 | Qualifying Housing Debt Income Ratio | 19.54 | 20.0 | FALSE |
| OBX2025J2100 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2100 | All Other Payments | 2363 | 9348.68 | FALSE |
| OBX2025J2100 | Borrower 2 Origination FICO | 798 | 794.0 | FALSE |
| OBX2025J2100 | Total Closing Costs | 7856.34 | 7922.0 | FALSE |
| OBX2025J2100 | Interested Party Contributions | 7922 | 0.0032 | FALSE |
| OBX2025J2100 | Total Qualified Assets Post-Close | 209517.56 | 442588.88 | FALSE |
| OBX2025J2127 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2127 | Borrower 1 Self-Employment Flag | No | Yes | FALSE |
| OBX2025J2127 | All Other Payments | 287 | 4441.67 | FALSE |
| OBX2025J2127 | Cash to Close | 152669.39 | 522416.29 | FALSE |
| OBX2025J2127 | Total Monthly Property Insurance Amount | 154.58 | 131.11 | FALSE |
| OBX2025J2127 | Total Qualified Assets Post-Close | 315746.22 | 831665.61 | FALSE |
| OBX2025J2127 | Qualifying Housing Debt Income Ratio | 39.43 | 39.37 | FALSE |
| OBX2025J2127 | Qualifying Total Debt Income Ratio | 49.66 | 49.6 | FALSE |
| OBX2025J2104 | Cash to Close | 260371.26 | 263623.96 | FALSE |
| OBX2025J2104 | Monthly Property Tax Amount | 839.28 | 977.0 | FALSE |
| OBX2025J2104 | Qualifying CLTV | 77.63 | 78.0 | FALSE |
| OBX2025J2104 | Qualifying LTV | 77.63 | 78.0 | FALSE |
| OBX2025J2104 | Total Monthly Property Insurance Amount | 148.25 | 150.0 | FALSE |
| OBX2025J2104 | Total Qualified Assets Post-Close | 46876.34 | 307247.6 | FALSE |
| OBX2025J2104 | Total Qualified Assets for Reserves Post-Close | 46876.34 | 41252.1 | FALSE |
| OBX2025J2104 | Qualifying Total Reserves Number of Months | 6.82 | 6.0 | FALSE |
| OBX2025J2104 | Qualifying Total Debt Income Ratio | 22.98 | 23.44 | FALSE |
| OBX2025J2104 | Qualifying Housing Debt Income Ratio | 22.78 | 23.23 | FALSE |
| OBX2025J2142 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2142 | Cash to Close | 406061.6 | 405348.03 | FALSE |
| OBX2025J2142 | Qualifying LTV | 71.23 | 71.22 | FALSE |
| OBX2025J2142 | Qualifying CLTV | 71.23 | 71.22 | FALSE |
| OBX2025J2142 | Total Qualified Assets Post-Close | 216411.78 | 670000.0 | FALSE |
| OBX2025J2142 | Qualifying Total Debt Income Ratio | 27.23 | 27.0 | FALSE |
| OBX2025J2142 | Qualifying Housing Debt Income Ratio | 17.79 | 18.0 | FALSE |
| OBX2025J2093 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2093 | All Other Payments | 744 | 4003.0 | FALSE |
| OBX2025J2093 | Cash to Close | 58031.28 | 517456.22 | FALSE |
| OBX2025J2093 | Qualifying CLTV | 62.18 | 63.0 | FALSE |
| OBX2025J2093 | Qualifying LTV | 62.18 | 63.0 | FALSE |
| OBX2025J2093 | Total Qualified Assets Post-Close | 539698.69 | 625729.97 | FALSE |
| OBX2025J2093 | Qualifying Total Reserves Number of Months | 74.27 | 14.0 | FALSE |
| OBX2025J2093 | Total Qualified Assets for Reserves Post-Close | 539698.69 | 101738.7 | FALSE |
| OBX2025J2093 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2103 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2103 | Borrower 1 Self-Employment Flag | No | Yes | FALSE |
| OBX2025J2103 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2103 | Cash to Close | 241951.63 | 243259.8 | FALSE |
| OBX2025J2103 | Monthly Property Tax Amount | 1865.97 | 648.82 | FALSE |
| OBX2025J2103 | Total Qualified Assets for Reserves Post-Close | 1710450.19 | 50157.48 | FALSE |
| OBX2025J2103 | Total Qualified Assets Post-Close | 1710450.19 | 2247247.0 | FALSE |
| OBX2025J2103 | Qualifying Total Reserves Number of Months | 239.48 | 6.0 | FALSE |
| OBX2025J2103 | Qualifying Housing Debt Income Ratio | 38.54 | 39.0 | FALSE |
| OBX2025J2103 | Qualifying Total Debt Income Ratio | 38.89 | 39.0 | FALSE |
| OBX2025J2143 | All Other Payments | 222 | 4560.29 | FALSE |
| OBX2025J2143 | Qualifying CLTV | 79.21 | 79.2 | FALSE |
| OBX2025J2143 | Qualifying LTV | 79.21 | 79.2 | FALSE |
| OBX2025J2143 | Total Qualified Assets Post-Close | 1136616.31 | 1679838.93 | FALSE |
| OBX2025J2143 | Qualifying Housing Debt Income Ratio | 20.71 | 21.0 | FALSE |
| OBX2025J2143 | Qualifying Total Debt Income Ratio | 28.44 | 28.0 | FALSE |
| OBX2025J2174 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2174 | All Other Payments | 100 | 12914.0 | FALSE |
| OBX2025J2174 | Total Closing Costs | 36573.51 | 20000.0 | FALSE |
| OBX2025J2174 | Interested Party Contributions | 20000 | 0.01099 | FALSE |
| OBX2025J2174 | Total Qualified Assets Post-Close | 182474.1 | 512769.99 | FALSE |
| OBX2025J2139 | Property Address | XXX | XXX | FALSE |
| OBX2025J2139 | Property City | XXX | XXX | FALSE |
| OBX2025J2139 | All Other Payments | 135 | 2723.0 | FALSE |
| OBX2025J2139 | Cash to Close | 990074.03 | 988408.26 | FALSE |
| OBX2025J2139 | Monthly Property Tax Amount | 377.7 | 377.71 | FALSE |
| OBX2025J2139 | Qualifying CLTV | 56.52 | 57.0 | FALSE |
| OBX2025J2139 | Qualifying LTV | 56.52 | 57.0 | FALSE |
| OBX2025J2139 | Total Qualified Assets Post-Close | 1052135.73 | 2067209.76 | FALSE |
| OBX2025J2140 | Property Address | XXX | XXX | FALSE |
| OBX2025J2140 | All Other Payments | 235 | 12767.55 | FALSE |
| OBX2025J2140 | Total Qualified Assets Post-Close | 288629.12 | 799969.31 | FALSE |
| OBX2025J2140 | Qualifying Housing Debt Income Ratio | 3.2 | 3.0 | FALSE |
| OBX2025J2140 | Qualifying Total Debt Income Ratio | 42.7 | 43.0 | FALSE |
| OBX2025J2086 | Loan Originator NMLS | XXX | XXX | FALSE |
| OBX2025J2086 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2086 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2086 | Qualifying FICO | 807 | 794.0 | FALSE |
| OBX2025J2086 | All Other Payments | 1570 | 2681.51 | FALSE |
| OBX2025J2086 | Total Closing Costs | 30815.51 | 15000.0 | FALSE |
| OBX2025J2086 | Interested Party Contributions | 15000 | 0.01179 | FALSE |
| OBX2025J2086 | Cash to Close | 227012.66 | 236900.19 | FALSE |
| OBX2025J2086 | Total Qualified Assets Post-Close | 459411.09 | 697923.68 | FALSE |
| OBX2025J2086 | Qualifying Total Debt Income Ratio | 30.28 | 30.0 | FALSE |
| OBX2025J2086 | Qualifying Housing Debt Income Ratio | 22.33 | 22.0 | FALSE |
| OBX2025J2123 | All Other Payments | 669 | 16318.43 | FALSE |
| OBX2025J2123 | Total Qualified Assets Post-Close | 596710.45 | 1188671.75 | FALSE |
| OBX2025J2055 | All Other Payments | 240.54 | 2390.0 | FALSE |
| OBX2025J2055 | Cash to Close | 374705.48 | 402426.48 | FALSE |
| OBX2025J2055 | Monthly Property Tax Amount | 1380.29 | 1889.0 | FALSE |
| OBX2025J2055 | Total Monthly Property Insurance Amount | 342.63 | 333.0 | FALSE |
| OBX2025J2055 | Total Qualified Assets Post-Close | 105319.95 | 495525.43 | FALSE |
| OBX2025J2055 | Qualifying Total Debt Income Ratio | 30.4 | 30.0 | FALSE |
| OBX2025J2055 | Qualifying Housing Debt Income Ratio | 29.4 | 29.0 | FALSE |
| OBX2025J2136 | Property County | XXX | XXX | FALSE |
| OBX2025J2136 | Monthly Property Tax Amount | 4602.36 | 4418.27 | FALSE |
| OBX2025J2136 | Total Qualified Assets Post-Close | 223180.64 | 478156.38 | FALSE |
| OBX2025J2136 | Qualifying Total Debt Income Ratio | 46.77 | 46.31 | FALSE |
| OBX2025J2136 | Qualifying Housing Debt Income Ratio | 43.55 | 43.09 | FALSE |
| OBX2025J2115 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2115 | All Other Payments | 90 | 1480.76 | FALSE |
| OBX2025J2115 | Cash to Close | 446995.02 | 465422.26 | FALSE |
| OBX2025J2115 | Qualifying Total Reserves Number of Months | 83.35 | 6.0 | FALSE |
| OBX2025J2115 | Total Qualified Assets Post-Close | 920138.72 | 1314220.4 | FALSE |
| OBX2025J2115 | Total Qualified Assets for Reserves Post-Close | 920138.72 | 66235.5 | FALSE |
| OBX2025J2158 | Cash to Close | 200364.07 | 233727.54 | FALSE |
| OBX2025J2158 | Interested Party Contributions | 16764 | 1.4E-4 | FALSE |
| OBX2025J2158 | Total Closing Costs | 24861.54 | 289.0 | FALSE |
| OBX2025J2158 | Secondary Appraised Property Value | XXX | XXX | FALSE |
| OBX2025J2158 | Total Qualified Assets Post-Close | 206279.1 | 440721.17 | FALSE |
| OBX2025J2158 | Qualifying Total Reserves Number of Months | 27.26 | 6.0 | FALSE |
| OBX2025J2158 | Total Qualified Assets for Reserves Post-Close | 206279.1 | 45404.52 | FALSE |
| OBX2025J2158 | Qualifying Total Debt Income Ratio | 34.89 | 35.0 | FALSE |
| OBX2025J2158 | Qualifying Housing Debt Income Ratio | 34.05 | 34.0 | FALSE |
| OBX2025J2153 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2153 | Cash to Close | 213788.68 | 227876.53 | FALSE |
| OBX2025J2153 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2153 | Total Qualified Assets for Reserves Post-Close | 147270.32 | 108843.52 | FALSE |
| OBX2025J2153 | Total Qualified Assets Post-Close | 147270.32 | 361059.0 | FALSE |
| OBX2025J2153 | Qualifying Total Reserves Number of Months | 21.65 | 16.0 | FALSE |
| OBX2025J2153 | Qualifying Total Debt Income Ratio | 33.76 | 34.0 | FALSE |
| OBX2025J2153 | Qualifying Housing Debt Income Ratio | 33.24 | 33.0 | FALSE |
| OBX2025J2202 | All Other Payments | 2858.7 | 5822.54 | FALSE |
| OBX2025J2202 | Interested Party Contributions | 35830 | 0.02099 | FALSE |
| OBX2025J2202 | Cash to Close | 18826 | 29433.16 | FALSE |
| OBX2025J2202 | Total Monthly Property Insurance Amount | 137.33 | 137.34 | FALSE |
| OBX2025J2202 | Total Qualified Assets for Reserves Post-Close | 713420.81 | 674311.12 | FALSE |
| OBX2025J2202 | Qualifying Total Reserves Number of Months | 59.25 | 56.0 | FALSE |
| OBX2025J2202 | Qualifying Total Debt Income Ratio | 18.13 | 18.14 | FALSE |
| OBX2025J2119 | All Other Payments | 143 | 3069.42 | FALSE |
| OBX2025J2119 | Interested Party Contributions | 19000 | 0.02118 | FALSE |
| OBX2025J2119 | Cash to Close | 4000 | 278797.59 | FALSE |
| OBX2025J2119 | Total Monthly Property Insurance Amount | 231.7 | 231.71 | FALSE |
| OBX2025J2119 | Total Qualified Assets for Reserves Post-Close | 332633.42 | 346586.4 | FALSE |
| OBX2025J2119 | Total Qualified Assets Post-Close | 332633.42 | 524365.4 | FALSE |
| OBX2025J2119 | Qualifying Total Reserves Number of Months | 38.39 | 40.0 | FALSE |
| OBX2025J2119 | Qualifying Total Debt Income Ratio | 40.21 | 40.0 | FALSE |
| OBX2025J2119 | Qualifying Housing Debt Income Ratio | 29.69 | 30.0 | FALSE |
| OBX2025J2113 | All Other Payments | 2367 | 6746.11 | FALSE |
| OBX2025J2113 | Total Qualified Assets Post-Close | 236946.5 | 500942.35 | FALSE |
| OBX2025J2208 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2208 | All Other Payments | 108 | 1224.5 | FALSE |
| OBX2025J2208 | Cash to Close | 260020.14 | 265057.86 | FALSE |
| OBX2025J2208 | Total Qualified Assets Post-Close | 91844.88 | 351865.02 | FALSE |
| OBX2025J2154 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2154 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2154 | All Other Payments | 4983.72 | 6559.72 | FALSE |
| OBX2025J2154 | Cash to Close | 29309.32 | 695397.76 | FALSE |
| OBX2025J2154 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2154 | Qualifying CLTV | 75.0 | 74.99 | FALSE |
| OBX2025J2154 | Qualifying LTV | 75.0 | 74.99 | FALSE |
| OBX2025J2154 | Total Qualified Assets Post-Close | 1116754.46 | 1145439.1 | FALSE |
| OBX2025J2154 | Total Qualified Assets for Reserves Post-Close | 1116754.46 | 410317.68 | FALSE |
| OBX2025J2154 | Qualifying Total Reserves Number of Months | 65.32 | 24.0 | FALSE |
| OBX2025J2154 | Qualifying Total Debt Income Ratio | 33.71 | 34.0 | FALSE |
| OBX2025J2154 | Qualifying Housing Debt Income Ratio | 24.36 | 24.0 | FALSE |
| OBX2025J2062 | Borrower 2 Self-Employment Flag | Yes | No | FALSE |
| OBX2025J2062 | Cash to Close | 58148.6 | 53199.08 | FALSE |
| OBX2025J2062 | Qualifying LTV | 66.67 | 67.0 | FALSE |
| OBX2025J2062 | Qualifying CLTV | 66.67 | 67.0 | FALSE |
| OBX2025J2062 | Qualifying HLTV | 66.67 | 66.66 | FALSE |
| OBX2025J2062 | Total Qualified Assets Post-Close | 138279.96 | 218064.56 | FALSE |
| OBX2025J2062 | Total Qualified Assets for Reserves Post-Close | 138279.96 | 149401.7 | FALSE |
| OBX2025J2062 | Qualifying Total Reserves Number of Months | 9.26 | 10.0 | FALSE |
| OBX2025J2042 | Loan ID | XXXX | XXXX | FALSE |
| OBX2025J2042 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2042 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2042 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2042 | All Other Payments | 153.73 | 2570.73 | FALSE |
| OBX2025J2042 | Total Qualified Assets Post-Close | 46185.08 | 46314.97 | FALSE |
| OBX2025J2122 | All Other Payments | 176 | 4442.0 | FALSE |
| OBX2025J2122 | Interested Party Contributions | 20000 | 0.00758 | FALSE |
| OBX2025J2122 | Total Closing Costs | 26553.26 | 20000.0 | FALSE |
| OBX2025J2122 | Monthly Property Tax Amount | 2590.49 | 2590.0 | FALSE |
| OBX2025J2122 | Total Monthly Property Insurance Amount | 1130.38 | 700.0 | FALSE |
| OBX2025J2122 | Total Qualified Assets Post-Close | 784626.76 | 1257811.6 | FALSE |
| OBX2025J2122 | Qualifying Housing Debt Income Ratio | 33.16 | 33.0 | FALSE |
| OBX2025J2122 | Qualifying Total Debt Income Ratio | 42.68 | 43.0 | FALSE |
| OBX2025J2122 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2124 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2124 | All Other Payments | 897 | 5030.24 | FALSE |
| OBX2025J2124 | Cash to Close | 296721.77 | 294411.83 | FALSE |
| OBX2025J2124 | Monthly Property Tax Amount | 1105.27 | 1105.29 | FALSE |
| OBX2025J2124 | Qualifying HLTV | 71.75 | 71.74 | FALSE |
| OBX2025J2124 | Qualifying CLTV | 71.75 | 72.0 | FALSE |
| OBX2025J2124 | Qualifying LTV | 71.75 | 72.0 | FALSE |
| OBX2025J2124 | Total Qualified Assets Post-Close | 77429.62 | 375121.39 | FALSE |
| OBX2025J2186 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2186 | All Other Payments | 3614 | 4414.42 | FALSE |
| OBX2025J2186 | Cash to Close | 489815.28 | 489260.6 | FALSE |
| OBX2025J2186 | Total Qualified Assets for Reserves Post-Close | 1271814.82 | 111575.07 | FALSE |
| OBX2025J2186 | Qualifying Total Reserves Number of Months | 102.59 | 9.0 | FALSE |
| OBX2025J2186 | Total Qualified Assets Post-Close | 1271814.82 | 2035391.88 | FALSE |
| OBX2025J2150 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2150 | Cash to Close | 329753.42 | 329275.51 | FALSE |
| OBX2025J2150 | Qualifying HLTV | 76.66 | 76.65 | FALSE |
| OBX2025J2150 | Qualifying LTV | 76.66 | 77.0 | FALSE |
| OBX2025J2150 | Qualifying CLTV | 76.66 | 77.0 | FALSE |
| OBX2025J2150 | Total Qualified Assets Post-Close | 137225.63 | 446037.08 | FALSE |
| OBX2025J2181 | All Other Payments | 85 | 3433.7 | FALSE |
| OBX2025J2181 | Total Closing Costs | 27972.02 | 8947.0 | FALSE |
| OBX2025J2181 | Sales Price | XXX | XXX | FALSE |
| OBX2025J2181 | Cash to Close | 400264.87 | 531075.63 | FALSE |
| OBX2025J2181 | Monthly Property Tax Amount | 3000 | 1241.24 | FALSE |
| OBX2025J2181 | Secondary Appraised Property Value | XXX | XXX | FALSE |
| OBX2025J2181 | Primary Appraised Property Value | XXX | XXX | FALSE |
| OBX2025J2181 | Total Monthly Property Insurance Amount | 386.5 | 232.67 | FALSE |
| OBX2025J2181 | Total Qualified Assets Post-Close | 1836244.71 | 2328970.58 | FALSE |
| OBX2025J2161 | Loan Purpose | Purchase | Refinance | FALSE |
| OBX2025J2161 | Cash to Close | 395975.16 | 395605.43 | FALSE |
| OBX2025J2161 | Total Qualified Assets for Reserves Post-Close | 359412.26 | 62557.56 | FALSE |
| OBX2025J2161 | Total Qualified Assets Post-Close | 359412.26 | 757108.65 | FALSE |
| OBX2025J2161 | Qualifying Total Reserves Number of Months | 34.47 | 6.0 | FALSE |
| OBX2025J2168 | All Other Payments | 2316 | 8969.92 | FALSE |
| OBX2025J2168 | Qualifying Total Debt Income Ratio | 49.77 | 50.0 | FALSE |
| OBX2025J2168 | Qualifying Housing Debt Income Ratio | 28.92 | 29.0 | FALSE |
| OBX2025J2155 | Borrower 1 SSN | XXX | XXX | FALSE |
| OBX2025J2155 | Borrower 2 SSN | XXX | XXX | FALSE |
| OBX2025J2155 | Borrower 2 Self-Employment Flag | Yes | No | FALSE |
| OBX2025J2155 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2155 | All Other Payments | 581 | 8076.28 | FALSE |
| OBX2025J2155 | Total Monthly Property Insurance Amount | 661.08 | 122.33 | FALSE |
| OBX2025J2155 | Total Qualified Assets Post-Close | 295192.01 | 906419.07 | FALSE |
| OBX2025J2155 | Qualifying Total Debt Income Ratio | 29.54 | 29.55 | FALSE |
| OBX2025J2057 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2057 | Cash to Close | 463951.37 | 589038.76 | FALSE |
| OBX2025J2057 | Interested Party Contributions | 1600 | 0.001 | FALSE |
| OBX2025J2057 | Property Rights | Fee Simple | Leasehold: | FALSE |
| OBX2025J2057 | Monthly Property Tax Amount | 1007.45 | 998.5 | FALSE |
| OBX2025J2057 | Qualifying LTV | 68.28 | 69.0 | FALSE |
| OBX2025J2057 | Qualifying HLTV | 68.28 | 68.27 | FALSE |
| OBX2025J2057 | Qualifying CLTV | 68.28 | 69.0 | FALSE |
| OBX2025J2057 | Total Monthly Property Insurance Amount | 213.67 | 250.0 | FALSE |
| OBX2025J2057 | Qualifying Total Reserves Number of Months | 73.89 | 53.0 | FALSE |
| OBX2025J2057 | Total Qualified Assets Post-Close | 618013.72 | 909012.43 | FALSE |
| OBX2025J2057 | Total Qualified Assets for Reserves Post-Close | 618013.72 | 443264.97 | FALSE |
| OBX2025J2071 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2071 | Total Qualified Assets Post-Close | 47219.46 | 322622.37 | FALSE |
| OBX2025J2179 | Property Address | XXX | XXX | FALSE |
| OBX2025J2179 | Borrower 1 Self-Employment Flag | Yes | No | FALSE |
| OBX2025J2179 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2179 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2179 | Qualifying LTV | 72.43 | 73.0 | FALSE |
| OBX2025J2179 | Qualifying CLTV | 72.43 | 73.0 | FALSE |
| OBX2025J2179 | Total Qualified Assets Post-Close | 59253.05 | 99963.05 | FALSE |
| OBX2025J2172 | Total Closing Costs | 60471.84 | 3825.0 | FALSE |
| OBX2025J2172 | Total Qualified Assets Post-Close | 355316.91 | 806935.7 | FALSE |
| OBX2025J2172 | Qualifying Total Debt Income Ratio | 18.02 | 18.0 | FALSE |
| OBX2025J2172 | Qualifying Housing Debt Income Ratio | 17.52 | 18.0 | FALSE |
| OBX2025J2172 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2198 | Property Address | XXX | XXX | FALSE |
| OBX2025J2198 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2198 | All Other Payments | 466 | 130.0 | FALSE |
| OBX2025J2198 | Borrower 2 Origination FICO | 810 | 0.0 | FALSE |
| OBX2025J2198 | Borrower 1 Origination FICO | 798 | 810.0 | FALSE |
| OBX2025J2198 | Cash to Close | 253162.44 | 252448.89 | FALSE |
| OBX2025J2198 | Total Closing Costs | 35538.89 | 4356.0 | FALSE |
| OBX2025J2198 | Total Qualified Assets Post-Close | 191032.01 | 396376.06 | FALSE |
| OBX2025J2198 | Qualifying Total Debt Income Ratio | 13.86 | 13.29 | FALSE |
| OBX2025J2167 | All Other Payments | 5814 | 12407.98 | FALSE |
| OBX2025J2167 | Interested Party Contributions | 30000 | 1.7E-4 | FALSE |
| OBX2025J2167 | Total Closing Costs | 41449.1 | 1049.0 | FALSE |
| OBX2025J2167 | Cash to Close | 211435.26 | 180065.1 | FALSE |
| OBX2025J2167 | Total Monthly Property Insurance Amount | 401.42 | 401.45 | FALSE |
| OBX2025J2167 | Total Qualified Assets Post-Close | 71537.14 | 494972.4 | FALSE |
| OBX2025J2167 | Qualifying Total Reserves Number of Months | 25.17 | 26.0 | FALSE |
| OBX2025J2167 | Total Qualified Assets for Reserves Post-Close | 282548.03 | 291834.4 | FALSE |
| OBX2025J2182 | Interested Party Contributions | 13000 | 0.00828 | FALSE |
| OBX2025J2182 | Total Closing Costs | 14907.74 | 13000.0 | FALSE |
| OBX2025J2182 | Total Qualified Assets Post-Close | 166307.01 | 443010.52 | FALSE |
| OBX2025J2232 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2232 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2232 | Cash to Close | 2259.52 | 2645.52 | FALSE |
| OBX2025J2232 | Qualifying Total Reserves Number of Months | 19.69 | 12.0 | FALSE |
| OBX2025J2232 | Total Qualified Assets Post-Close | 210757.86 | 161227.49 | FALSE |
| OBX2025J2232 | Total Qualified Assets for Reserves Post-Close | 210757.86 | 128478.12 | FALSE |
| OBX2025J2183 | Property Address | XXX | XXX | FALSE |
| OBX2025J2183 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2183 | All Other Payments | 397 | 1498.33 | FALSE |
| OBX2025J2183 | Cash to Close | 206038.81 | 294972.85 | FALSE |
| OBX2025J2183 | Total Closing Costs | 27271.85 | 3975.0 | FALSE |
| OBX2025J2183 | Total Qualified Assets for Reserves Post-Close | 1867977.19 | 53384.34 | FALSE |
| OBX2025J2183 | Total Qualified Assets Post-Close | 1867977.19 | 2140283.61 | FALSE |
| OBX2025J2183 | Qualifying Total Reserves Number of Months | 209.7 | 6.0 | FALSE |
| OBX2025J2213 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2213 | Cash to Close | 240676.43 | 312992.88 | FALSE |
| OBX2025J2213 | Total Qualified Assets Post-Close | 91214.3 | 427385.36 | FALSE |
| OBX2025J2213 | Qualifying Total Debt Income Ratio | 46.07 | 46.0 | FALSE |
| OBX2025J2213 | Qualifying Housing Debt Income Ratio | 29.95 | 30.0 | FALSE |
| OBX2025J2214 | Property Address | XXX | XXX | FALSE |
| OBX2025J2214 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2214 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2214 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2214 | All Other Payments | 1313 | 6386.13 | FALSE |
| OBX2025J2214 | Cash to Close | 519572.9 | 522515.8 | FALSE |
| OBX2025J2214 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2214 | Total Closing Costs | 35320.8 | 6767.17 | FALSE |
| OBX2025J2214 | Qualifying HLTV | 79.29 | 79.28 | FALSE |
| OBX2025J2214 | Qualifying LTV | 79.29 | 79.28 | FALSE |
| OBX2025J2214 | Qualifying CLTV | 79.29 | 79.28 | FALSE |
| OBX2025J2214 | Total Qualified Assets for Reserves Post-Close | 1039523.93 | 1091931.08 | FALSE |
| OBX2025J2214 | Qualifying Total Reserves Number of Months | 69.5 | 73.0 | FALSE |
| OBX2025J2214 | Total Qualified Assets Post-Close | 1039523.93 | 1594096.76 | FALSE |
| OBX2025J2214 | Qualifying Housing Debt Income Ratio | 33.05 | 33.0 | FALSE |
| OBX2025J2214 | Qualifying Total Debt Income Ratio | 47.08 | 47.0 | FALSE |
| OBX2025J2220 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2220 | Borrower 1 Self-Employment Flag | Yes | No | FALSE |
| OBX2025J2220 | All Other Payments | 1726 | 25167.84 | FALSE |
| OBX2025J2220 | Qualifying Total Reserves Number of Months | 56.21 | 50.0 | FALSE |
| OBX2025J2220 | Total Qualified Assets for Reserves Post-Close | 594725.27 | 178741.5 | FALSE |
| OBX2025J2220 | Total Qualified Assets Post-Close | 594725.27 | 968390.51 | FALSE |
| OBX2025J2220 | Qualifying Total Debt Income Ratio | 26.69 | 26.39 | FALSE |
| OBX2025J2220 | Qualifying Housing Debt Income Ratio | 2.56 | 2.36 | FALSE |
| OBX2025J2210 | All Other Payments | 0 | 7734.0 | FALSE |
| OBX2025J2210 | Total Qualified Assets Post-Close | 1516278.29 | 2871748.3 | FALSE |
| OBX2025J2166 | Cash to Close | 209841.23 | 209717.03 | FALSE |
| OBX2025J2166 | Total Monthly Property Insurance Amount | 397.67 | 144.5 | FALSE |
| OBX2025J2166 | Qualifying Total Reserves Number of Months | 26.44 | 15.0 | FALSE |
| OBX2025J2166 | Total Qualified Assets for Reserves Post-Close | 172538.69 | 113241.3 | FALSE |
| OBX2025J2166 | Total Qualified Assets Post-Close | 172538.69 | 329351.25 | FALSE |
| OBX2025J2134 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2134 | All Other Payments | 7408 | 22797.13 | FALSE |
| OBX2025J2134 | Interested Party Contributions | 15000 | 0.01168 | FALSE |
| OBX2025J2134 | Total Closing Costs | 35478.94 | 15000.0 | FALSE |
| OBX2025J2134 | Total Qualified Assets Post-Close | 444219.71 | 708625.05 | FALSE |
| OBX2025J2134 | Qualifying Total Debt Income Ratio | 40.01 | 40.02 | FALSE |
| OBX2025J2145 | Cash to Close | 300539.25 | 300782.87 | FALSE |
| OBX2025J2145 | Interested Party Contributions | 13427 | 0.00861 | FALSE |
| OBX2025J2145 | Total Closing Costs | 32336.67 | 13427.0 | FALSE |
| OBX2025J2145 | Total Qualified Assets Post-Close | 146314.88 | 476854.13 | FALSE |
| OBX2025J2221 | Qualifying LTV | 52.58 | 53.0 | FALSE |
| OBX2025J2221 | Qualifying CLTV | 52.58 | 53.0 | FALSE |
| OBX2025J2221 | Total Qualified Assets Post-Close | 441964.65 | 1287337.98 | FALSE |
| OBX2025J2188 | Borrower 2 Self-Employment Flag | No | Yes | FALSE |
| OBX2025J2188 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2188 | All Other Payments | 259 | 4381.5 | FALSE |
| OBX2025J2188 | Cash to Close | 274273.98 | 365245.31 | FALSE |
| OBX2025J2188 | Monthly Property Tax Amount | 2187.38 | 50.0 | FALSE |
| OBX2025J2188 | Total Monthly Property Insurance Amount | 195.51 | 195.52 | FALSE |
| OBX2025J2188 | Total Qualified Assets Post-Close | 454335.8 | 816104.78 | FALSE |
| OBX2025J2141 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2141 | All Other Payments | 41 | 4990.74 | FALSE |
| OBX2025J2141 | Cash to Close | 278291.91 | 278791.91 | FALSE |
| OBX2025J2141 | Total Qualified Assets for Reserves Post-Close | 115910.53 | 59926.08 | FALSE |
| OBX2025J2141 | Total Qualified Assets Post-Close | 115910.53 | 394201.27 | FALSE |
| OBX2025J2141 | Qualifying Total Reserves Number of Months | 11.61 | 6.0 | FALSE |
| OBX2025J2132 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2132 | Qualifying FICO | 808 | 0.0 | FALSE |
| OBX2025J2132 | Total Closing Costs | 18762.19 | 73014.95 | FALSE |
| OBX2025J2132 | Cash to Close | 376159.02 | 375782.19 | FALSE |
| OBX2025J2132 | Total Monthly Property Insurance Amount | 432.58 | 123.75 | FALSE |
| OBX2025J2090 | Property Address | XXX | XXX | FALSE |
| OBX2025J2090 | All Other Payments | 11264.41 | 29416.51 | FALSE |
| OBX2025J2090 | Cash to Close | 265622.82 | 267241.71 | FALSE |
| OBX2025J2090 | Total Qualified Assets Post-Close | 880344.8 | 1145967.62 | FALSE |
| OBX2025J2090 | Total Qualified Assets for Reserves Post-Close | 880344.8 | 770821.6 | FALSE |
| OBX2025J2090 | Qualifying Total Reserves Number of Months | 83.37 | 73.0 | FALSE |
| OBX2025J2090 | Qualifying Total Debt Income Ratio | 38.03 | 37.9 | FALSE |
| OBX2025J2180 | Property Address | XXX | XXX | FALSE |
| OBX2025J2180 | All Other Payments | 1480.13 | 5425.13 | FALSE |
| OBX2025J2180 | Cash to Close | 185811.93 | 321664.3 | FALSE |
| OBX2025J2180 | Qualifying LTV | 79.69 | 80.0 | FALSE |
| OBX2025J2180 | Qualifying CLTV | 79.69 | 80.0 | FALSE |
| OBX2025J2180 | Total Qualified Assets Post-Close | 186924.55 | 555929.77 | FALSE |
| OBX2025J2152 | Cash to Close | 287420.15 | 287379.31 | FALSE |
| OBX2025J2152 | Total Monthly Property Insurance Amount | 134.94 | 134.95 | FALSE |
| OBX2025J2152 | Total Qualified Assets Post-Close | 61133.72 | 348553.87 | FALSE |
| OBX2025J2152 | Qualifying Total Reserves Number of Months | 8.18 | 7.0 | FALSE |
| OBX2025J2152 | Total Qualified Assets for Reserves Post-Close | 61133.72 | 52284.54 | FALSE |
| OBX2025J2160 | Cash to Close | 412460.97 | 486140.77 | FALSE |
| OBX2025J2160 | Qualifying HLTV | 65.0 | 75.0 | FALSE |
| OBX2025J2160 | Total Qualified Assets Post-Close | 473904.19 | 1338489.45 | FALSE |
| OBX2025J2201 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2201 | All Other Payments | 105 | 4828.8 | FALSE |
| OBX2025J2201 | Total Qualified Assets Post-Close | 164637.03 | 487506.53 | FALSE |
| OBX2025J2185 | All Other Payments | 1583.75 | 4149.75 | FALSE |
| OBX2025J2185 | Cash to Close | 10419.41 | 11647.69 | FALSE |
| OBX2025J2185 | Qualifying LTV | 73.5 | 74.0 | FALSE |
| OBX2025J2185 | Qualifying CLTV | 73.5 | 74.0 | FALSE |
| OBX2025J2185 | Total Qualified Assets Post-Close | 220073.5 | 230492.02 | FALSE |
| OBX2025J2171 | All Other Payments | 118 | 2692.72 | FALSE |
| OBX2025J2171 | Cash to Close | 381751.16 | 378623.16 | FALSE |
| OBX2025J2171 | Monthly Property Tax Amount | 605.98 | 606.0 | FALSE |
| OBX2025J2171 | Monthly HOA $| 54 | 53.66 | FALSE |
| OBX2025J2171 | Total Monthly Property Insurance Amount | 502.86 | 300.0 | FALSE |
| OBX2025J2171 | Total Qualified Assets Post-Close | 163771.55 | 511560.52 | FALSE |
| OBX2025J2138 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2138 | Cash to Close | 384391.74 | 402163.1 | FALSE |
| OBX2025J2138 | Qualifying HLTV | 72.73 | 72.72 | FALSE |
| OBX2025J2138 | Qualifying LTV | 72.73 | 73.0 | FALSE |
| OBX2025J2138 | Qualifying CLTV | 72.73 | 73.0 | FALSE |
| OBX2025J2138 | Total Qualified Assets Post-Close | 128939.41 | 524336.97 | FALSE |
| OBX2025J2191 | Borrower 2 Last Name | XXXX | XXXX | FALSE |
| OBX2025J2191 | Borrower 2 First Name | XXX | XXX | FALSE |
| OBX2025J2191 | Borrower 2 Marital Status | XXX | XXX | FALSE |
| OBX2025J2191 | Borrower 2 Birthdate | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2191 | Borrower 2 SSN | XXX | XXX | FALSE |
| OBX2025J2191 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2191 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2191 | All Other Payments | 2350.18 | 4130.18 | FALSE |
| OBX2025J2191 | Borrower 3 Origination FICO | 807 | 0.0 | FALSE |
| OBX2025J2191 | Total Closing Costs | 19088.34 | 71197.2 | FALSE |
| OBX2025J2191 | Cash to Close | 6786.94 | 394907.34 | FALSE |
| OBX2025J2191 | Total Qualified Assets Post-Close | 1466137.79 | 1857535.71 | FALSE |
| OBX2025J2191 | Qualifying Total Debt Income Ratio | 39.87 | 40.0 | FALSE |
| OBX2025J2191 | Qualifying Housing Debt Income Ratio | 28.93 | 29.0 | FALSE |
| OBX2025J2069 | Borrower 1 Self-Employment Flag | No | Yes | FALSE |
| OBX2025J2069 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2069 | Cash to Close | 459104.65 | 537889.23 | FALSE |
| OBX2025J2069 | Monthly Property Tax Amount | 3082.31 | 3082.32 | FALSE |
| OBX2025J2069 | Total Monthly Property Insurance Amount | 450.76 | 450.77 | FALSE |
| OBX2025J2069 | Total Qualified Assets Post-Close | 479576.35 | 1169049.39 | FALSE |
| OBX2025J2069 | Qualifying Total Reserves Number of Months | 40.51 | 6.0 | FALSE |
| OBX2025J2069 | Total Qualified Assets for Reserves Post-Close | 479576.35 | 71022.54 | FALSE |
| OBX2025J2069 | Qualifying Total Debt Income Ratio | 46.11 | 46.1 | FALSE |
| OBX2025J2209 | Property Address | XXX | XXX | FALSE |
| OBX2025J2209 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2209 | Interested Party Contributions | 13000 | 0.01048 | FALSE |
| OBX2025J2209 | Total Closing Costs | 20091.27 | 13000.0 | FALSE |
| OBX2025J2209 | Total Qualified Assets Post-Close | 107403.13 | 373221.65 | FALSE |
| OBX2025J2209 | Qualifying Total Debt Income Ratio | 42.9 | 42.0 | FALSE |
| OBX2025J2209 | Qualifying Housing Debt Income Ratio | 32.58 | 33.0 | FALSE |
| OBX2025J2231 | Property Address | XXX | XXX | FALSE |
| OBX2025J2231 | Cash to Close | 358846.06 | 378380.84 | FALSE |
| OBX2025J2231 | Monthly Property Tax Amount | 684.66 | 684.67 | FALSE |
| OBX2025J2231 | Monthly HOA $| 37.5 | 38.0 | FALSE |
| OBX2025J2231 | Total Monthly Property Insurance Amount | 134.67 | 140.75 | FALSE |
| OBX2025J2231 | Total Qualified Assets Post-Close | 146012.12 | 504856.58 | FALSE |
| OBX2025J2199 | Total Monthly Property Insurance Amount | 319 | 263.33 | FALSE |
| OBX2025J2199 | Total Qualified Assets Post-Close | 1109538.14 | 1841267.47 | FALSE |
| OBX2025J2199 | Qualifying Total Debt Income Ratio | 37.03 | 37.0 | FALSE |
| OBX2025J2224 | Cash to Close | 37651.48 | 37661.48 | FALSE |
| OBX2025J2224 | Total Qualified Assets Post-Close | 356783.62 | 770235.1 | FALSE |
| OBX2025J2217 | Cash to Close | 244765.45 | 245015.45 | FALSE |
| OBX2025J2217 | Total Qualified Assets Post-Close | 160634.3 | 410296.75 | FALSE |
| OBX2025J2217 | Qualifying Total Debt Income Ratio | 35.99 | 36.0 | FALSE |
| OBX2025J2217 | Qualifying Housing Debt Income Ratio | 35.47 | 35.0 | FALSE |
| OBX2025J2177 | Cash to Close | 387214.48 | 402493.21 | FALSE |
| OBX2025J2177 | Total Closing Costs | 49202.68 | 17.5 | FALSE |
| OBX2025J2177 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2177 | Monthly Property Tax Amount | 1890.5 | 1885.52 | FALSE |
| OBX2025J2177 | Qualifying Total Reserves Number of Months | 73.66 | 72.0 | FALSE |
| OBX2025J2177 | Total Qualified Assets for Reserves Post-Close | 663436.45 | 648149.76 | FALSE |
| OBX2025J2177 | Total Qualified Assets Post-Close | 663436.45 | 1054489.93 | FALSE |
| OBX2025J2177 | Qualifying Housing Debt Income Ratio | 24.46 | 24.45 | FALSE |
| OBX2025J2177 | Qualifying Total Debt Income Ratio | 25.51 | 25.5 | FALSE |
| OBX2025J2156 | Property Address | XXX | XXX | FALSE |
| OBX2025J2156 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2156 | All Other Payments | 1860 | 19364.66 | FALSE |
| OBX2025J2156 | Total Qualified Assets Post-Close | 210038.45 | 614143.99 | FALSE |
| OBX2025J2156 | Qualifying Housing Debt Income Ratio | 3.72 | 3.73 | FALSE |
| OBX2025J2156 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2151 | Property Address | XXX | XXX | FALSE |
| OBX2025J2151 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2151 | All Other Payments | 166 | 3581.67 | FALSE |
| OBX2025J2151 | Total Closing Costs | 32160.31 | 6479.26 | FALSE |
| OBX2025J2151 | Cash to Close | 402571.9 | 431509.31 | FALSE |
| OBX2025J2151 | Total Qualified Assets Post-Close | 276255.26 | 708827.16 | FALSE |
| OBX2025J2159 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2159 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2159 | Cash to Close | 386043.98 | 523360.86 | FALSE |
| OBX2025J2159 | Total Qualified Assets Post-Close | 462766.87 | 986310.85 | FALSE |
| OBX2025J2102 | Loan ID | XXXX | XXXX | FALSE |
| OBX2025J2102 | Property City | XXX | XXX | FALSE |
| OBX2025J2102 | Property County | XXX | XXX | FALSE |
| OBX2025J2102 | All Other Payments | 274 | 772.0 | FALSE |
| OBX2025J2102 | Monthly Property Tax Amount | 1861.86 | 1861.87 | FALSE |
| OBX2025J2102 | Total Qualified Assets Post-Close | 274601.56 | 515259.07 | FALSE |
| OBX2025J2189 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2189 | All Other Payments | 0 | 11993.66 | FALSE |
| OBX2025J2189 | Total Closing Costs | 12254.1 | 2825.44 | FALSE |
| OBX2025J2189 | Total Qualified Assets Post-Close | 231044.65 | 490260.65 | FALSE |
| OBX2025J2189 | Qualifying Housing Debt Income Ratio | 25.72 | 26.0 | FALSE |
| OBX2025J2189 | Qualifying Total Debt Income Ratio | 40.38 | 40.0 | FALSE |
| OBX2025J2196 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2196 | Total Qualified Assets Post-Close | 171486.09 | 150985.7 | FALSE |
| OBX2025J2190 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2190 | All Other Payments | 694 | 1402.0 | FALSE |
| OBX2025J2190 | Cash to Close | 919.69 | 1501.13 | FALSE |
| OBX2025J2190 | Qualifying Total Reserves Number of Months | 11.09 | 6.0 | FALSE |
| OBX2025J2190 | Total Qualified Assets for Reserves Post-Close | 81818.97 | 44782.98 | FALSE |
| OBX2025J2190 | Qualifying Total Debt Income Ratio | 42.81 | 42.8 | FALSE |
| OBX2025J2229 | All Other Payments | 1525 | 4345.45 | FALSE |
| OBX2025J2229 | Monthly Property Tax Amount | 918.88 | 918.85 | FALSE |
| OBX2025J2229 | Total Monthly Property Insurance Amount | 202.91 | 202.92 | FALSE |
| OBX2025J2229 | Total Qualified Assets Post-Close | 447214.12 | 757641.34 | FALSE |
| OBX2025J2211 | Cash to Close | 203399.4 | 203649.4 | FALSE |
| OBX2025J2211 | Total Qualified Assets Post-Close | 139809.2 | 418208.6 | FALSE |
| OBX2025J2216 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2216 | Cash to Close | 199649.29 | 286499.17 | FALSE |
| OBX2025J2216 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2216 | Total Monthly Property Insurance Amount | 118.38 | 118.39 | FALSE |
| OBX2025J2216 | Qualifying Total Reserves Number of Months | 21.9 | 12.0 | FALSE |
| OBX2025J2216 | Total Qualified Assets Post-Close | 122572.06 | 386221.35 | FALSE |
| OBX2025J2216 | Total Qualified Assets for Reserves Post-Close | 189674.39 | 103918.8 | FALSE |
| OBX2025J2176 | All Other Payments | 413 | 2636.25 | FALSE |
| OBX2025J2176 | Total Closing Costs | 14132.44 | 4000.0 | FALSE |
| OBX2025J2176 | Interested Party Contributions | 4000 | 0.00333 | FALSE |
| OBX2025J2176 | Total Qualified Assets Post-Close | 72499.36 | 346964.83 | FALSE |
| OBX2025J2200 | Loan ID | XXXX | XXXX | FALSE |
| OBX2025J2200 | Property Address | XXX | XXX | FALSE |
| OBX2025J2200 | All Other Payments | 540.87 | 541.87 | FALSE |
| OBX2025J2200 | Cash to Close | 230101.05 | 231531.05 | FALSE |
| OBX2025J2200 | Sales Price | XXX | XXX | FALSE |
| OBX2025J2200 | Total Qualified Assets Post-Close | 133739.87 | 437489.19 | FALSE |
| OBX2025J2200 | Qualifying Total Debt Income Ratio | 45.73 | 45.74 | FALSE |
| OBX2025J2239 | Property Address | XXX | XXX | FALSE |
| OBX2025J2239 | Qualifying Interest Rate | 6.875 | 0.0688 | FALSE |
| OBX2025J2239 | All Other Payments | 0 | 1117.69 | FALSE |
| OBX2025J2239 | Qualifying LTV | 63.93 | 64.0 | FALSE |
| OBX2025J2239 | Qualifying HLTV | 63.93 | 64.0 | FALSE |
| OBX2025J2239 | Qualifying CLTV | 63.93 | 64.0 | FALSE |
| OBX2025J2239 | Total Qualified Assets for Reserves Post-Close | 703471.86 | 666415.36 | FALSE |
| OBX2025J2239 | Qualifying Total Reserves Number of Months | 61.23 | 58.0 | FALSE |
| OBX2025J2239 | Total Qualified Assets Post-Close | 703471.86 | 1562945.0 | FALSE |
| OBX2025J2235 | All Other Payments | 17 | 3318.33 | FALSE |
| OBX2025J2235 | Total Closing Costs | 33329.46 | 105774.95 | FALSE |
| OBX2025J2235 | Cash to Close | 320009.46 | 319439.46 | FALSE |
| OBX2025J2235 | Qualifying Total Reserves Number of Months | 40.37 | 16.0 | FALSE |
| OBX2025J2235 | Total Qualified Assets for Reserves Post-Close | 427620.86 | 169493.76 | FALSE |
| OBX2025J2235 | Total Qualified Assets Post-Close | 162727.21 | 498448.13 | FALSE |
| OBX2025J2235 | Qualifying Total Debt Income Ratio | 47.33 | 47.34 | FALSE |
| OBX2025J2237 | Property Address | XXX | XXX | FALSE |
| OBX2025J2237 | All Other Payments | 2052.03 | 2042.03 | FALSE |
| OBX2025J2237 | Cash to Close | 380802.2 | 374880.38 | FALSE |
| OBX2025J2237 | Qualifying Total Reserves Number of Months | 6.75 | 6.0 | FALSE |
| OBX2025J2237 | Total Qualified Assets for Reserves Post-Close | 59576.33 | 52989.12 | FALSE |
| OBX2025J2237 | Total Qualified Assets Post-Close | 59576.33 | 452498.3 | FALSE |
| OBX2025J2203 | All Other Payments | 45 | 3416.67 | FALSE |
| OBX2025J2203 | Cash to Close | 205687.79 | 210791.68 | FALSE |
| OBX2025J2203 | Monthly Property Tax Amount | 787.96 | 790.0 | FALSE |
| OBX2025J2203 | Monthly HOA $| 18.75 | 19.0 | FALSE |
| OBX2025J2203 | Total Monthly Property Insurance Amount | 177.51 | 175.0 | FALSE |
| OBX2025J2203 | Qualifying Total Reserves Number of Months | 9.68 | 9.0 | FALSE |
| OBX2025J2203 | Total Qualified Assets Post-Close | 65178.88 | 302366.67 | FALSE |
| OBX2025J2203 | Total Qualified Assets for Reserves Post-Close | 65178.88 | 60594.03 | FALSE |
| OBX2025J2061 | Property County | XXX | XXX | FALSE |
| OBX2025J2061 | All Other Payments | 1957.25 | 2110.92 | FALSE |
| OBX2025J2061 | Total Closing Costs | 74036.28 | 36975.0 | FALSE |
| OBX2025J2061 | Cash to Close | 580053.58 | 709735.27 | FALSE |
| OBX2025J2061 | Monthly Property Tax Amount | 1123.91 | 1416.67 | FALSE |
| OBX2025J2061 | Total Monthly Property Insurance Amount | 455.33 | 400.0 | FALSE |
| OBX2025J2061 | Total Qualified Assets Post-Close | 727476.71 | 1307530.29 | FALSE |
| OBX2025J2175 | All Other Payments | 0 | 106.29 | FALSE |
| OBX2025J2175 | Cash to Close | 542292.12 | 538644.07 | FALSE |
| OBX2025J2175 | Total Closing Costs | 64834.07 | 2238.33 | FALSE |
| OBX2025J2175 | Qualifying LTV | 48.92 | 49.0 | FALSE |
| OBX2025J2175 | Qualifying HLTV | 48.92 | 48.91 | FALSE |
| OBX2025J2175 | Qualifying CLTV | 48.92 | 49.0 | FALSE |
| OBX2025J2175 | Total Qualified Assets for Reserves Post-Close | 702825.32 | 64667.7 | FALSE |
| OBX2025J2175 | Total Qualified Assets Post-Close | 702825.32 | 1245117.44 | FALSE |
| OBX2025J2175 | Qualifying Total Reserves Number of Months | 65.21 | 6.0 | FALSE |
| OBX2025J2192 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2187 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2194 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2194 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2194 | All Other Payments | 160 | 200.0 | FALSE |
| OBX2025J2194 | Cash to Close | 407693.84 | 420067.39 | FALSE |
| OBX2025J2194 | Qualifying LTV | 76.86 | 77.0 | FALSE |
| OBX2025J2194 | Qualifying HLTV | 76.86 | 76.85 | FALSE |
| OBX2025J2194 | Qualifying CLTV | 76.86 | 77.0 | FALSE |
| OBX2025J2194 | Total Monthly Property Insurance Amount | 392.31 | 108.0 | FALSE |
| OBX2025J2194 | Total Qualified Assets for Reserves Post-Close | 133133.03 | 56886.0 | FALSE |
| OBX2025J2194 | Qualifying Total Reserves Number of Months | 14.04 | 6.0 | FALSE |
| OBX2025J2194 | Total Qualified Assets Post-Close | 133133.03 | 781430.45 | FALSE |
| OBX2025J2194 | Qualifying Total Debt Income Ratio | 38.8 | 38.96 | FALSE |
| OBX2025J2226 | All Other Payments | 2337 | 3759.88 | FALSE |
| OBX2025J2226 | Cash to Close | 483571.29 | 500793.12 | FALSE |
| OBX2025J2226 | Qualifying Total Reserves Number of Months | 208.79 | 9.0 | FALSE |
| OBX2025J2226 | Total Qualified Assets Post-Close | 1549097.19 | 1846928.32 | FALSE |
| OBX2025J2226 | Total Qualified Assets for Reserves Post-Close | 1850024.92 | 47449.17 | FALSE |
| OBX2025J2219 | Borrower 2 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2219 | All Other Payments | 573.24 | 2616.47 | FALSE |
| OBX2025J2219 | Cash to Close | 355329.83 | 383740.06 | FALSE |
| OBX2025J2219 | Monthly HOA $| 4.17 | 4.0 | FALSE |
| OBX2025J2219 | Total Qualified Assets for Reserves Post-Close | 460225.77 | 47399.4 | FALSE |
| OBX2025J2219 | Qualifying Total Reserves Number of Months | 58.26 | 6.0 | FALSE |
| OBX2025J2219 | Total Qualified Assets Post-Close | 460225.77 | 458041.15 | FALSE |
| OBX2025J2219 | Qualifying Total Debt Income Ratio | 41.16 | 38.24 | FALSE |
| OBX2025J2178 | Application Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| OBX2025J2227 | Borrower 2 Self-Employment Flag | No | Yes | FALSE |
| OBX2025J2227 | All Other Payments | 266 | 5354.71 | FALSE |
| OBX2025J2227 | Cash to Close | 403462.97 | 429710.2 | FALSE |
| OBX2025J2227 | Interested Party Contributions | 0 | 0.06 | FALSE |
| OBX2025J2227 | Total Closing Costs | 16260.2 | 73.5 | FALSE |
| OBX2025J2227 | Total Qualified Assets for Reserves Post-Close | 504907.71 | 42036.42 | FALSE |
| OBX2025J2227 | Total Qualified Assets Post-Close | 504907.71 | 932370.68 | FALSE |
| OBX2025J2227 | Qualifying Total Reserves Number of Months | 72.07 | 6.0 | FALSE |
| OBX2025J2227 | Qualifying Total Debt Income Ratio | 34.94 | 35.0 | FALSE |
| OBX2025J2227 | Qualifying Housing Debt Income Ratio | 19.8 | 20.0 | FALSE |
| OBX2025J2242 | Cash to Close | 310050.24 | 300782.06 | FALSE |
| OBX2025J2242 | Total Qualified Assets for Reserves Post-Close | 233803.02 | 125683.2 | FALSE |
| OBX2025J2242 | Total Qualified Assets Post-Close | 203657.44 | 681895.2 | FALSE |
| OBX2025J2242 | Qualifying Total Reserves Number of Months | 16.74 | 9.0 | FALSE |
| OBX2025J2096 | All Other Payments | 320 | 3424.75 | FALSE |
| OBX2025J2096 | Cash to Close | 443455.74 | 445141.62 | FALSE |
| OBX2025J2096 | Total Qualified Assets Post-Close | 466122.76 | 1013078.5 | FALSE |
| OBX2025J2096 | Qualifying Total Reserves Number of Months | 40.49 | 9.0 | FALSE |
| OBX2025J2096 | Total Qualified Assets for Reserves Post-Close | 466122.76 | 103615.11 | FALSE |
| OBX2025J2245 | All Other Payments | 647 | 647.01 | FALSE |
| OBX2025J2245 | Cash to Close | 462.21 | 402112.44 | FALSE |
| OBX2025J2245 | Total Monthly Property Insurance Amount | 212.28 | 212.29 | FALSE |
| OBX2025J2245 | Total Qualified Assets for Reserves Post-Close | 576889.27 | 212692.5 | FALSE |
| OBX2025J2245 | Total Qualified Assets Post-Close | 576889.27 | 621723.48 | FALSE |
| OBX2025J2245 | Qualifying Total Reserves Number of Months | 67.81 | 25.0 | FALSE |
| OBX2025J2245 | Qualifying Housing Debt Income Ratio | 39.91 | 40.0 | FALSE |
| OBX2025J2245 | Qualifying Total Debt Income Ratio | 42.94 | 43.0 | FALSE |
| OBX2025J2225 | All Other Payments | 1277 | 4867.68 | FALSE |
| OBX2025J2225 | Cash to Close | 305495.55 | 306265.55 | FALSE |
| OBX2025J2225 | Total Closing Costs | 33108.48 | 1652.5 | FALSE |
| OBX2025J2225 | Total Qualified Assets for Reserves Post-Close | 1100744.34 | 1063317.48 | FALSE |
| OBX2025J2225 | Qualifying Total Reserves Number of Months | 120.08 | 116.0 | FALSE |
| OBX2025J2225 | Total Qualified Assets Post-Close | 1100744.34 | 1375681.64 | FALSE |
| OBX2025J2253 | Property Address | XXX | XXX | FALSE |
| OBX2025J2253 | Borrower 1 Qualifying Income | XXX | XXX | FALSE |
| OBX2025J2253 | All Other Payments | 3803 | 12320.0 | FALSE |
| OBX2025J2253 | Cash to Close | 568002.33 | 613002.33 | FALSE |
| OBX2025J2253 | Qualifying LTV | 57.69 | 58.0 | FALSE |
| OBX2025J2253 | Qualifying CLTV | 57.69 | 58.0 | FALSE |
| OBX2025J2253 | Total Monthly Property Insurance Amount | 737.33 | 654.66 | FALSE |
| OBX2025J2253 | Total Qualified Assets Post-Close | 458034.96 | 1026037.27 | FALSE |
| OBX2025J2243 | Cash to Close | 376983 | 443597.19 | FALSE |
| OBX2025J2243 | Qualifying LTV | 69.53 | 70.0 | FALSE |
| OBX2025J2243 | Qualifying CLTV | 69.53 | 70.0 | FALSE |
| OBX2025J2243 | Total Qualified Assets Post-Close | 145969.71 | 590702.7 | FALSE |
| OBX2025J2243 | Qualifying Housing Debt Income Ratio | 32.61 | 32.62 | FALSE |
| OBX2025J2003 | Property_City | XXX | XXX | 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** |
| OBX2025J2006 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2024 | Resolved | 07/30/2024 | 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 XXX findings noted, condition cleared. | 08/06/2024 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2006 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/31/2024 | Resolved | 07/31/2024 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | duplicate condition; XXX does not participate in affiliated business arrangements therefore we do not require this disclosure. | 08/01/2024 | Lender provided attestation of no affiliates. Condition cleared.; Affiliated attestation provided; Exception resolved.; Required Affiliated Business Disclosure Resolved | 08/02/2024 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2006 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/30/2024 | Resolved | 07/30/2024 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Final CD for the sale of XXX is not signed. Additional conditions may apply. | proof of sale - signed | 08/01/2024 | Lender provided final signed seller's CD for sale of XXX reflecting sufficient proceeds of $XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 08/02/2024 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2007 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2024 | Resolved | 10/10/2024 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | XXX - please clear this finding. | 10/21/2024 | Condition cleared. | 10/23/2024 | D A |
| OBX2025J2007 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2024 | Resolved | 10/10/2024 | Credit | AUS Partially Provided | AUS Partially Provided Lender to investigate ratio issue. Ratios do not match actual calculations. Ratios show as XXX%/ XXX% Manual and system calculations are XXX%/XXX%. | Here we XXX: | 10/17/2024 | Upon further review, DTI matches the AUS. Primary XXX Other Liabilities: XXX REO XXX: XXX Total Liabilities: $XXX. Net Rental Income REO: $XXX, Borrower Income: XXX Co Borrower Income: XXX Total Income $XXX. DTI XXX%. Condition cleared. ; AUS is not incomplete | 10/18/2024 | D A |
| OBX2025J2007 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2024 | Resolved | 10/10/2024 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from the borrower stating no HOA for the properties at XXX =# XXX and XXX Unit XXX There are letters XXX: HOA but not for these XXX properties specifically. Additional conditions may apply. | Here we XXX: | 10/17/2024 | Lender provided an LOE from the co-borrower stating no HOA for the properties at XXX # XXX and XXX Unit XXX-XXX. Condition cleared. | 10/18/2024 | D A |
| OBX2025J2012 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2025 | Acknowledged | 03/12/2025 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI Exception. XXX Flow overlays dated XX/XX/XXXX require a maximum of XXX% | XX/XX/XXXX - XXX: Please see attached. The guidelines were recently updated on XX/XX/XXXX, and the max DTI for XXXs is XXX% | 04/11/2025 | XXX approved DTI - downgrade to B Grade; Audit reviewed Lender's response and has determined the rate was locked on XX/XX/XXXX, prior to the updated guidelines dated XX/XX/XXXX; therefore, guidelines dated XX/XX/XXXX is applicable on the subject transaction, which has a maximum DTI of XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% XXX% DTI Exception. XXX Flow overlays dated XX/XX/XXXX require a maximum of XXX% | 04/24/2025 | D B C A |
| OBX2025J2012 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2025 | Resolved | 03/12/2025 | Credit | PUD Rider is Missing | PUD Rider is Missing Mortgage does not have PUD Rider checked nor is it in the file. Confirmed with appraisal that this property is a PUD. | XX/XX/XXXX - XXX: Please see attached. | 04/08/2025 | Lender provided XXX<br> rider and verification of recording of XXX<br> rider. Condition cleared.; The XXX<br> Rider is Present or is Not Applicable (Property Type is XXX) ; XXX<br> Rider is MISSING MORTGAGE does not have XXX<br> Rider checked nor is it in the file. Confirmed with appraisal that this property is a XXX | 04/09/2025 | D B A |
| OBX2025J2012 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2025 | Resolved | 03/12/2025 | 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 XXX 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. | 04/09/2025 | D B C A |
| OBX2025J2010 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/19/2025 | Resolved | 03/19/2025 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Missing executed copies of the Right to Cancel for all borrowers. |  |  | Lender provided corrected RTC, reopening rescission and giving Borrower another XXX days right of rescission. Condition cleared.; Right of Rescission is Provided; Right of Rescission is Missing Missing executed copies of the Right to Cancel for all borrowers. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2010 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/19/2025 | Resolved | 03/19/2025 | Compliance | Initial Closing Disclosure Delivery Date Test | Please provide evidence Borrower received the Initial Closing Disclosure within the required 3 days prior to consummation. Full TRID compliance testing to be completed upon receipt. 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:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | XXX XX/XX/XXXX: Please see the attached CD | 03/24/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 03/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2010 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/20/2025 | Resolved | 03/20/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Data Tape provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2011 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | 03/25/2025 | Compliance | Collateral Protection Notice is Missing | Collateral Protection Notice was not provided. Please provide Collateral Protection Notice | XXX XX/XX/XXXX Please see attached disclosure | 04/08/2025 | Lender provided Collateral Protection Notice. Condition cleared.; Collateral Protection Notice was provided.; Collateral Protection Notice was not provided. Please provide Collateral Protection Notice | 04/09/2025 | D A C |
| OBX2025J2011 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | 03/26/2025 | 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 XXX 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. | 04/02/2025 | D A C |
| OBX2025J2011 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | 03/26/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX he VVOE in file for the borrower is not dated within XXX business days of the Note. (Note date XX/XX/XXXX; VVOE dated XX/XX/XXXX). XXX) year work history not provided for Borrower 2. Please provide a VOE or W2 for XXX. Additional conditions may apply. | XX/XX/XXXX XXX: See attached verification; XX/XX/XXXX XXX: See attached, follow up VOE was completed XX/XX/XXXX and also attached W2 for previous employer. | 04/01/2025 | Lender provided VVOE dated within XXX business days of the Note date. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines XXX he VVOE in file for the borrower is not dated within XXX business days of the Note. (Note date XX/XX/XXXX; VVOE dated XX/XX/XXXX). XXX) year work history not provided for Borrower 2. Please provide a VOE or W2 for XXX. Additional conditions may apply. ; Lender provided an email for VVOE; however, it is for the Co-Borrower. Audit confirmed XXX W2 for Borrower from employer XXX is located in the loan file. Please provide a VVOE dated within XXX business days of the Note date for the Borrower, XXX. Condition retained.; Income and Employment Do Not Meet Guidelines XXX he VVOE in file for the borrower is not dated within XXX business days of the Note. (Note date XX/XX/XXXX; VVOE dated XX/XX/XXXX). XXX) year work history not provided for Borrower 2. Please provide a VOE or W2 for XXX. Additional conditions may apply. | 04/02/2025 | D A C |
| OBX2025J2013 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | 04/02/2025 | Credit | PUD Rider is Missing | PUD Rider is Missing Missing the PUD Rider. | XXX XX/XX/XXXX Please see attached PUD Rider | 07/16/2025 | Lender provided XXX<br> rider. Condition cleared.; The XXX<br> Rider is Present or is Not Applicable (Property Type is XXX) ; XXX<br> Rider is Missing Missing the XXX<br> Rider. | 07/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2013 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | 04/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/08/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2021 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | 04/14/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2023 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | 04/24/2025 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX The Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | XX/XX/XXXX XXX-See attached | 05/23/2025 | 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 | 05/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2023 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | 04/24/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Required Affiliated Business Disclosure Missing | XXX XX/XX/XXXX: Disagree, disclosure not required when there are no affiliated fees charged. Please see the attached affiliates list to compare against CD | 04/28/2025 | Required Affiliated Business Disclosure Documentation Provided | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2023 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | 04/24/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2039 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | 04/24/2025 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Preliminary Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Please provide an updated policy. Additional conditions may apply. | please see attached doc XXX XX/XX/XXXX | 05/19/2025 | 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 | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2039 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | 04/24/2025 | Credit | Borrower 2 Unable to Determine borrower hip | Borrower 2 Unable to Determine borrower hip. File is missing the front and back copy of Borrower 2's XXX. | XX/XX/XXXX XXX: XXX card was included and also attached here. Back of card is not a guideline requirement, front of card has all necessary information. | 04/28/2025 | Lender provided Borrower 2 XXX. Condition cleared.; hip has been determined. | 05/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2039 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | 04/24/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2022 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | 04/30/2025 | 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 showing sufficient coverage. | XX/XX/XXXX XXX Title policy attached. | 05/22/2025 | 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 | 05/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2022 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | Compliance | XXX Finance Charge 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. The finance charges were under disclosed. The following fees were included in testing: XXX discount points, XXX Processing fee; XXX underwriting fee; XXX fee; XXX Flood fee; XXX tax service; XXX Archiving fee;' XXX; XXX Loan tie in fee; XXX mobile notary fee XXX Settlement fee; XXX sub escrow fee This loan failed the XXX finance charge test.(12 CFR §1026.38(o)(2)) he finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX | XXX XX/XX/XXXX Disagree- Finance Charge is reflecting correctly on the Closing Disclosure. The Math for Finance Charge is (Month P&I XXX + Mortgage Insurance $XXX) - Amount Finance XXX = Finance Charge in the amount of XXX this matches the Final Closing Disclosure. Please provide your math if you may disagree with our findings/math. | 05/05/2025 | Audit reviewed Lender's response, and has determined fee of XXX for the XXX Fee should not have been included in the finance charges. Audit re-ran compliance and has determined the finance charges are within tolerance. Condition cleared.; Audit reviewed Lender's response, and has determined fee of XXX for the XXX Fee should not have been included in the finance charges. Audit re-ran compliance and has determined the finance charges are within tolerance. Condition cleared. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2022 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | Compliance | XXX Post-Consummation Revised Closing Disclosure Finance Charge 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. The finance charges were under disclosed. The following fees were included in testing: XXX discount points, XXX Processing fee; XXX underwriting fee; XXX fee; XXX Flood fee; XXX tax service; XXX Archiving fee;' XXX; XXX Loan tie in fee; XXX mobile notary fee XXX Settlement fee; XXX sub escrow fee This loan failed the XXX 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 | XXX XX/XX/XXXX Disagree- Finance Charge is reflecting correctly on the Closing Disclosure. The Math for Finance Charge is (Month P&I XXX + Mortgage Insurance $XXX) - Amount Finance XXX = Finance Charge in the amount of XXX this matches the Final Closing Disclosure. Please provide your math if you may disagree with our findings/math. | 05/05/2025 | Audit reviewed Lender's response, and has determined fee of XXX for the XXX Fee should not have been included in the finance charges. Audit re-ran compliance and has determined the finance charges are within tolerance. Condition cleared.; Audit reviewed Lender's response, and has determined fee of XXX for the XXX Fee should not have been included in the finance charges. Audit re-ran compliance and has determined the finance charges are within tolerance. Condition cleared. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2022 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/30/2025 | Resolved | 04/30/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2016 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | 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 FG report which shows no indication of HOA dues | 05/02/2025 | 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. | 05/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2016 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2034 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | 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 supplement showing sufficient coverage. | XX/XX/XXXX XXX please see attached please clear thank you | 05/19/2025 | 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 | 05/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2034 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2019 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | 05/01/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2038 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/02/2025 | Resolved | 05/02/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/05/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2035 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | 05/06/2025 | 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 minimum XXX for total title amount. | Title Policy | 05/13/2025 | 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 | 05/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2035 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | 05/06/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2031 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | 05/07/2025 | 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:"USPS First Class Mail" 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. The initial CD may be missing from the loan file. The earliest CD in the loan file was issued XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. | XXX XXX/XXX: Please see the attached CD | 05/09/2025 | Lender provided Initial CD. Condition cleared.; Lender provided Initial CD. Condition cleared. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2031 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/06/2025 | Resolved | 05/06/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2045 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | 05/07/2025 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Audit is using the following income calculation: a XXX mo average for XXX(XXX) =XXX per month versus lender calculation of XXX per month. Audit is unable to add the rental income from the departing property to the XXX income. The lease for the departing property is calculated as $XXX=XXX positive income minus XXX of XXX per month= XXX per month. The 2nd property after calculation from tax returns is positive income of XXX per month. That would bring a new net income for both XXX income and rentals of XXX per month. Please note both of the properties were shown on Final 1003 without any mortgages but Statements in file show both have mortgages. Please also note since we used the depreciation in calculations to add back to the XXX we couldn't use again to calculate the net income/loss from 2nd property that borrower owns. New DTI would be XXX%. Separate condition was added for proof of HOA for former XXX. If that should come back with additional monthly cost then ratio will change. | XX/XX/XXXX - XXX: Please see the attached income worksheet for XXX and AUS findings. ; XX/XX/XXXX - XXX: The mortgages for both properties were excluded due to the income and expenses of the property being considered via the self-employment calculation for XXX, which includes form XXX The exclusion of a properties PITI(a) when rental income is being claimed via Form XXX is permitted per XXX XXX.; XX/XX/XXXX - XXX: Please see attached. The borrower owns less than of XXX per the XXX XXX. A monthly loss was XXX was included in the borrower's DTI ratio. However, the loss is not required to be included due to the borrower owning less than XXX% of the company. When removed, the borrower's DTI is below XXX% and the loan remains eligible. | 07/17/2025 | Lender provided updated AUS reflecting approved DTI of XXX% Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX% Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audit reviewed Lender's response. Audit is unable to determined how Lender calculated the income of XXX on the updated AUS. Audit DTI remains as XXX% which exceeds updated AUS approved DTI of XXX%. Condition retained.; Lender provided updated AUS reflecting approved DTI of XXX%. Audit reviewed Lender's response and has determined the Borrower owns XXX% which is less than XXX% ownership in business, which business losses from secondary employment are not required to be included in total income when Borrower's own less than XXX% Audit re-calculated DTI of XXX% exceeds updated AUS approved DTI of XXX%. Please provide updated AUS approving DTI of XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.14% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.14% is less than Guideline CLTV of XXX% D A |
| OBX2025J2045 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | 05/07/2025 | 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. The loan integrity report does not indicate an active HOA for XXX | 05/09/2025 | Lender provided property search through XXX for property XXX reflecting no HOA fees. Condition cleared. | 05/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| OBX2025J2045 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | 05/07/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| OBX2025J2033 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX business tax return for XXX. Per Business Information, the business was formed on XX/XX/XXXX, which is less than XXX years. Please provide XXX business tax return for XXX. | XX/XX/XXXX XXX: In XXX the business filed as Schedule C (already provided). In XXX they began filing on XXX-S. There are no missing returns. | 05/12/2025 | Audit reviewed Lender's response and has determined the Borrower's business was filed as schedule C in XXX and incorporated XX/XX/XXXX and filed as XXX-S. The XXX schedule C and XXX-S are in the loan file and meet AUS and FNMA requirements. Condition cleared.; Income and Employment Meet Guidelines | 05/14/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2033 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2020 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | 05/07/2025 | Compliance | Lender Credits That Cannot Decrease Test | COC in file dated XX/XX/XXXX to address Lender Credit decreased is outside required timing for changes made to Final CD XX/XXX/XXXX. Please provide re-disclosed CD within XXX business days of change or a cure package for XXX will be required. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 XXX/XXX: Please see the attached COCs and XXX, decrease in credit proportional to the structure changes | 05/23/2025 | Lender provided valid COC for decrease in Lender credits, which was due to a loan amount decrease and was re-disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for decrease in Lender credits, which was due to a loan amount decrease and was re-disclosed within XXX days of the change. Condition cleared. | 05/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2020 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | 05/07/2025 | Compliance | Initial Closing Disclosure Delivery Date Test | Please provide evidence Borrower received Initial Closing Disclosure within the required XXX days prior to consummation 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:"USPS First Class Mail" 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. | XXX XX/XX/XXXX Please see the attached XXX Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | 05/12/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV 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 |
| OBX2025J2020 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original LTV 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 |
| OBX2025J2024 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Loan was approved with a XXX% DTI. After audit, Final DTI is XXX%. Maximum overlays allow to XXX% Current DTI is at XXX% There are several issues causing the difference. XXX.Final 1003 shows XXX as XXX however there are XXX mos. Statements in file with XXX that show a PITI payment of XXX per month(also calculated using Schedule E his debt is not on the credit report either only the stmts. No explanation provided. Additional conditions may apply. XXX Missing HOA for ALL properties listed on the Final 1003 except for XXX XXX. (That is XXX properties). When presented this could cause an even higher DTI. Additional conditions may apply, XXX There is a Statement for PITI in file from XXX for the rental property at XXX. It shows taxes and insurance included but it is very low at XXX per month and tax document is in file for XXX per month for that property. Hazard was not presented. Confirm whether PITI on Statement is accurate and there are no additional taxes or insurance to add. Please review Final 1003 for this property as the net loss is quite different from the net loss we calculated. I suspect this is related to the tax, insurance and HOA if there is one. Additional conditions may apply. XXX Lender to provide XXX business and XXX tax returns or an Extension for them. Additional conditions may apply. FYI: Final 1003 calculations for net loss is XXX per month which match with approval. Audit calculations with missing info has the net loss at XXX per month. | XX/XX/XXXX XXX: See attached docs along with explanation in previous response; XX/XX/XXXX XXX: XXX) We agree this was mistakenly excluded. See attached documentation to support rental income for borrowers REO at XXX. This is sufficient to bring DTI back in line. This was a departing primary for the borrowers when they XXX the subject at the end of XXX and is further supported by the fair rental days on tax returns. Updated AUS findings and 1003 also attached. XXX) We reviewed each property for indications of any HOA dues, fraud report did not call out any HOA dues that weren't account for and there are no other signs of HOA dues on these properties that we could find. Guidelines do not require letter from the borrower. Please clarify what is indicating there are HOA dues for these properties. XXX) We agree the taxes and insurance aren't escrowed and we accounted for them accordingly with HOI and tax bill in file, the net loss we calculated was due to a typo in the depreciation, this has been corrected and should reflect correctly on the updated loan application. XXX) Per XX-XX-XXXX, with our being XX/XX/XXXX and disbursement being XX/XX/XXXX, previous returns are acceptable with XXX-C which was included in the file. | 05/20/2025 | Lender provided lease agreement for property XXX with deposit check to support lease, updated 1003 and AUS that includes updated rental income for XXX and XXX approving DTI of XXX%. Audit verified HOA fees for REO properties on the schedule E and audit property search for property XXX supports property does not have HOA fees. Audit re-calculated DTI that includes rental income using the lease agreement provided by Lender for property XXX is XXX% and 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%; Audit reviewed Lender's response; however, documentation was not provided for review. Condition retained. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2024 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2027 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/15/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2027 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/08/2025 | Resolved | 05/08/2025 | 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. | XXX XX/XX/XXXX Please see attached | 05/13/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 05/14/2025 | 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% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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 |
| OBX2025J2028 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/10/2025 | Resolved | 05/10/2025 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) he 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 $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) of XXX% is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | XXX XX/XX/XXXX Please see the attached Lock Confirmation and Initial closing disclosure from XX/XX/XXXX which was the same day the loan was lock with a price for the rate at XXX% pr -$XXX.; XXX XX/XX/XXXX Disagree: The initial LE that was issued on XX/XX/XXXX was floating so the Discount Points can change per TILA 1026.19(e)(3)(iv)(D). On XX/XX/XXXX the loan locked with discounts points of XXX and disclosed a CD to the borrower. | 05/23/2025 | Lender provided initial CD and valid COC for increase in Origination Fee, which was due to a rate re-lock and was re-disclosed within XXX days of the change. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial CD and valid COC for increase in Origination Fee, which was due to a rate re-lock and was re-disclosed within XXX days of the change. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Audit reviewed Lender's response and has determined the re-disclosed LE or CD dated within XXX days of the rate lock was not provided and not found in file. Please provide re-disclosed LE or CD within XXX days of the rate lock for added Origination fee. Condition retained.; XXX 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 Broker Origination Fee for XXX on the CD dated XX/XX/XXXX, COC in file dated XX/XX/XXXX details the fee from Lender to borrower paid but did not meet timing requirements. Please provide a valid COC, revised LE and or CD, or cure package. | 05/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2028 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | 05/09/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2044 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | 05/12/2025 | Compliance | XXX Right of Rescission Test | Consummation was updated to XX/XX/XXXX; however, per the CD issued XX/XX/XXXX, the disbursement date is XX/XX/XXXX which is less than XXX business days from consummation. Therefore, disbursement should not have taken place prior to XX/XX/XXXX. This loan failed the XXX right of rescission test losed-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 he 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. | Please see attached final settlement Statement; see attached | 05/19/2025 | Lender provided PCCD and final settlement Statement verifying disbursement date of XX/XX/XXXX. Condition cleared.; Lender provided a LOE and PCCD reflecting a disbursement date of XX/XX/XXXX; however, this does not match the final settlement Statement, which reflects a disbursement date of XX/XX/XXXX. If the settlement Statement in file is not the final settlement Statement please provide the final settlement Statement to support the PCCD. Condition retained. | 05/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2044 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | 05/12/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing 2nd month Statement for XXX account ending in XXX as required by XXX approval. | See attached | 05/14/2025 | Audit reviewed Lender's response and has determined the bank Statement for account ending in XXX covers XXX months from XX/XX/XXXX - XX/XX/XXXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 05/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2044 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | 05/12/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2015 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | 05/12/2025 | 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. | 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 XXX 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 XXX 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; | 05/30/2025 | Audit reviewed Lender's response and has determined fees were included in compliance testing; therefore, the XXX Attorney Preference letter is not required. Condition cleared.; O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2015 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/12/2025 | Resolved | 05/12/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2026 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | 05/13/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2026 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/13/2025 | Resolved | 05/13/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement 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 doc that shows there is no HOA associated with this loan. | 05/15/2025 | 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. | 05/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2029 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | 05/14/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2043 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | 05/14/2025 | 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 coverage amount of XXX | please see attached doc XXX XX/XX/XXXX | 05/22/2025 | 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 | 05/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2043 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | 05/14/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2030 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/19/2025 | Resolved | 05/19/2025 | 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. | 05/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2032 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | 05/20/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2036 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | 05/20/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2036 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | 05/20/2025 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing Missing XXX yrs business returns for XXX for XXX and XXX Additional conditions may apply. | XX/XX/XXXX XXX: Since the borrower is less than XXX% owner of both businesses, the XXX income is the only thing e are using to qualify. A copy of the business returns are not required. | 05/22/2025 | Audit reviewed Lender's response and has determined per the XXX Borrower has less than XXX% capital ownership in both businesses; therefore, business tax returns are not required. Condition cleared.; Borrower 1 Business Tax Returns Provided | 05/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2036 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | 05/20/2025 | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing proof of self employment. | XX/XX/XXXX XXX: When a borrower owns less than XXX% of a business, they are not considered self-XXX. Importantly, XXX does NOT require a verification of business or a verbal verification of employment when using XXX income from a business in which the borrower has less than XXX% ownership. | 05/22/2025 | Audit reviewed Lender's response and has determined Borrower has less than XXX% capital ownership in both businesses; therefore, a VVOE is not required. Condition cleared. | 05/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2052 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | 05/20/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2052 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/20/2025 | Resolved | 05/20/2025 | 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 the property at XXX | XX/XX/XXXX XXX: We reviewed property and found no indication of an HOA. The fraud report did not call out any HOA dues for this property and there were no HOA deductions in borrower's assets. Guidelines do not require a borrower Statement. | 05/22/2025 | Audit reviewed Lender's response and has determined an audit property search supports property XXX does not have HOA fees. Condition cleared. | 05/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2054 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/21/2025 | Resolved | 05/21/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2053 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | 05/22/2025 | Credit | XXX Declared Disaster - For Information Only | XXX declared XXX in a XXX(XXX) on XX/XX/XXXX with a release date of XX/XX/XXXX. The appraisal in the file is dated XX/XX/XXXX with no mention of any damage. Exception is for informational purposes only. | PDI | 07/10/2025 | Lender provided PCI dated XX/XX/XXXX, post Incident End date of XX/XX/XXXX and reflects there was no damage to property. Condition cleared.; Material Finding | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2053 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | 05/22/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2053 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | 05/22/2025 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Lender to provide proof of XXX gift from XXX. Gift letter is in file. | XX/XX/XXXX XXX: XXX gift did not end up getting used and was not listed on Final 1003. Borrower received other gifts which were documented and included on 1003, funds were sufficient. | 05/27/2025 | Audit reviewed Lender's response and has determined the XXX gift was not used or need in qualification; therefore, additional documentation is not required. Condition cleared.; Asset XXX Meets Guideline Requirements Or Not Applicable | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2050 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/22/2025 | Resolved | 05/22/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2046 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | 05/23/2025 | 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2046 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/23/2025 | Resolved | 05/23/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 05/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2048 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide satisfactory letter from employer explaining no bonus in XXX and no bonus in XXX Lender used bonuses with a XXX mo. average in XXX Must confirm with employer bonus is continuing and explanation as to why none in XXX year to date. Additional conditions may apply. | XX/XX/XXXX - XXX: The borrower's bonus income totaling XXX is not required for qualification. When removed, the borrower's DTI increases to XXX. Please see the attached AUS findings. | 05/30/2025 | Lender provided updated AUS removing bonus income and approving DTI of XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; Income and Employment Meet Guidelines | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2048 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX XXX: Vacant land: Provide documentation that there are no taxes and no liens against the land. Hazard insurance has been explained in the file but not the taxes or liens. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached property detail report confirming XXX Preservation XXX,XXX is XXX of and the annual property taxes of XXX | 05/30/2025 | Lender provided property detail report reflecting vacant property is owned XXX and verified taxes. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2048 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2072 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2041 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Compliance | XXX Right of Rescission Test | This loan failed the XXX 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 he 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. Documentation required to XXX: Missing Right to Cancel | XXX XX/XX/XXXX Please see the attached Letter of Explanation, Right to Cancel, Closing Disclosure, and proof of delivery. | 06/09/2025 | Lender provided corrected Right to Cancel, reopened Right of Rescission and LOE. Condition cleared. | 06/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2041 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required: Please provide appropriate signed Right of Rescission forms from borrowers. | XXX XX/XX/XXXX Please see the attached Letter of Explanation, Right to Cancel, Closing Disclosure, and proof of delivery. | 06/09/2025 | Lender provided corrected Right to Cancel, reopened Right of Rescission and LOE. Condition cleared.; Right of Rescission is Provided | 06/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2041 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | 05/28/2025 | 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 following properties: XXX and XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached LOX | 06/03/2025 | Lender provided LOE from Borrower indicating properties XXX and XXX do not have HOA fees. Condition cleared. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2041 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | 05/28/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The following business returns are missing and required per XXX approval: XXX yr and XXX yr, XXX (XXX yr) and SXXX (XXX yrs). Additional conditions may apply. | XX/XX/XXXX XXX: According to the guidelines The Seller is not required to obtain any additional documentation or evaluate the income or loss from the self-employment for each Borrower on the Mortgage who: \| \| Has a primary source of income, other than self-employment, used for qualifying for the Mortgage (e., salaried income from primary employment) , and \| Is self-XXX and self-employment income is a secondary source of income. | 05/30/2025 | Audit reviewed Lender's response and has determined the loan qualified with the business loss; therefore, no other documentation is required. Condition cleared.; Income and Employment Meet Guidelines | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2041 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2082 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2074 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | 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. 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 that have affiliated payees.; 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 that have affiliated payees. | 06/05/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Lender provided snippet of internal company affiliates; however, did not provide Attestation of no affiliates on Lender's letterhead. Condition retained. | 06/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2074 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | 05/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2065 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | 05/28/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2056 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | 05/29/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2075 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | 05/29/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2077 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | 05/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2084 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | 05/29/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2098 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/31/2025 | Cured | 05/31/2025 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in appraisal fee without valid COC. Received invoice is insufficient reason for increase in appraisal fee. Cure requires PCCD, LOE, copy of refund check, and proof of mailing or valid COC for increase. 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 label and refund check; PCCD and LOE | 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 and PCCD. Please provided copy of refund check and proof of delivery. Condition retained. | 06/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2098 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | 05/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2060 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | 05/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2025J2060 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | 05/30/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property |  | XX/XX/XXXX XXX: please see attached | 06/03/2025 | Lender provided taxes, hoi and property detail report for property XXX verifying property does not have HOA fees. Audit verified PI from credit report. Condition cleared. | 06/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2118 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | 05/30/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The final application reflects net proceeds of XXX from the sale of the borrower's departure residence at XXX. While a XXX contract is included on page XXX the file does not contain supporting documentation for the net proceeds received. Please provide the Signed (Or stamped True and certified by Title company) Closing Disclosure/Settlement Statement for the sale of XXX. | Final CD from Sale ; CD from Sale | 06/09/2025 | Lender provided final CD for sale of departing residence. Condition cleared.; Asset Qualification Meets Guideline Requirements; Lender provided XXX Certificate of Business Purpose letter; however, did not final signed or executed Cd for sale of departing residence to verify the net proceeds. Condition retained. | 06/09/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2118 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | 05/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2025 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | 06/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2081 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | 06/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2097 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | 06/02/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Final 1003 States a loss of XXX per month for the property at XXX. and that it is XXX from a mortgage. Documents in the file: Mortgage stmt and Final CD from XXX show P&I of XXX per month as does credit report. Final CD from XXX shows taxes, HOA and hazard insurance for XXX per month. An email in file from the property management says taxes and insurance are paid directly to the XXX but doesn't say by whom it is paid. Lender to provide satisfactory explanation and docs to confirm actual monthly debt or that it is XXX. If what is listed above is correct, ratios will be more than allowable variance and also over XXX% A rerun of XXX approval would be required. Additional conditions may apply. | XX/XX/XXXX XXX: Please note that the property at XXX XXX is not XXX, but the mortgage XXX was excluded from the borrower's DTI ratios because the mortgage is paid by someone other than the borrower. We have provided a copy of the mortgage Statement to tie the mortgage to the property, along with the most recent XXX months mortgage payments made by XXX who is not the borrower. We also provided a copy of the Note to show that XXX is obligated on the mortgage. The final CD from XXX was provided to confirm that the taxes and insurance payments are not escrowed into the mortgage payment, so those expenses still need to be included in the DTI calculation. However, the REO property is a residential cooperative. This means that the borrower pays a maintenance fee to the XXX, similar to HOA dues. The XXX then uses those funds to pay for the building's property taxes and insurance. So the borrower does not directly pay the property taxes and insurance, but they are still indirectly paid for by the borrower through their monthly shareholder maintenance fees. This is confirmed by the email from the property manager, and is very typical for XXX properties. Please see that we have also provided a copy of the invoice for the maintenance fees due to the property management company to confirm the amount of $XXX. | 06/04/2025 | Audit reviewed Lender's response and has determined the CD, bank Statements, LOE for XXX fees and invoice for XXX verifies property is paid by another person, escrows are not included per the CD, the LOE indicates the taxes and insurance are paid through the XXX and the invoice verifies the monthly fees paid to the XXX. Audit was most conservative and included the total XXX fees in Lender's debt calculation. Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Final 1003 States a loss of XXX per month for the property at XXX. and that it is XXX from a mortgage. Documents in the file: Mortgage stmt and Final CD from XXX show P&I of XXX per month as does credit report. Final CD from XXX shows taxes, HOA and hazard insurance for XXX per month. An email in file from the property management says taxes and insurance are paid directly to the XXX but doesn't say by whom it is paid. Lender to provide satisfactory explanation and docs to confirm actual monthly debt or that it is XXX. If what is listed above is correct, ratios will be more than allowable variance and also over XXX% A rerun of XXX approval would be required. Additional conditions may apply. | 06/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2097 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | 06/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2091 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2058 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2067 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2083 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower 2 was approved with an income of $XXX. However, the file does not contain documentation to support this amount. Please provide a recent paystub and prior year W-2, or a completed VOE (Form XXX). | Paystubs and W2 | 06/09/2025 | Lender provided yet pay stub and XXX W2 supporting income calculated by Lender. Condition cleared.; Income and Employment Meet Guidelines | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2083 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2108 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 increase on revised LE XX/XX/XXXX without a valid COC. COC in file addressing the appraisal fee increase is dated XX/XX/XXXX and is considered invalid. Please provide a cure package. | XXX XX/XX/XXXX: Please see the attached COC | 06/12/2025 | Lender provided valid COC for increase in appraisal fee, which was due to complexity of appraisal. Condition cleared.; Lender provided valid COC for increase in appraisal fee, which was due to complexity of appraisal. Condition cleared. | 06/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2108 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | 06/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2014 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Rescinded | 06/05/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. | XX/XX/XXXX - XXX: Though tradeline #XXX only reflects XXX months of payments for XXX, an additional XXX months of payments were accounted for via tradeline #XXX. XXX was transferred from XXX to XX/XX/XXXX. This can be confirmed via tradeline #XXX, which reflects the same open date of XX/XX/XXXX, monthly payment of XXX and high credit limit of XXX | 06/09/2025 | Audit reviewed Lender's response and has determined the mortgage history is found on page XXX and XXX of the loan file, #XXX account ending in XXX shows XXX months history and previous mortgage #XXX ending in XXX shows and additional XXX months mortgage history, which meets AUS and XXX requirements. Condition rescinded.; Borrower 1 Credit Report is not partially present. | 06/10/2025 | C A |
| OBX2025J2014 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | 06/04/2025 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX of XXX mo rating from XXX for XXX. Mortgage is rated through XX/XX/XXXX on the credit report but only for XXX mos. This loan closed on XX/XX/XXXX. Will need full XXX mo rating up to XX/XX/XXXX and to show current. | XX/XX/XXXX - XXX: Though tradeline #XXX only reflects XXX months of payments for XXX, an additional XXX months of payments were accounted for via tradeline #XXX. XXX was transferred from XXX to XXX/XXX. This can be confirmed via tradeline #XXX, which reflects the same open date of XX/XX/XXXX, monthly payment of XXX and high credit limit of XXX | 06/09/2025 | Housing History Meets Guideline Requirements | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2014 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | 06/05/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2116 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | 06/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2107 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | 06/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2107 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Rescinded | 06/04/2025 | Compliance | Homeownership Counseling Disclosure Is Partially Provided | Homeownership Counseling Disclosure Is Partially Provided (Date Creditor Received Application is XX/XX/XXXX and Occupancy is XXX) Missing Pages XXX & XXX Please provide complete Homeownership Counseling Notice |  |  | Audit reviewed Lender's response and has determined all XXX pages of the Homeownership Counseling Disclosure was provided. Condition rescinded.; Homeownership Counseling Disclosure Is Present or Not Applicable (Date Creditor Received Application is XX/XX/XXXX and Occupancy is XXX) | 06/06/2025 | C A |
| OBX2025J2135 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Rescinded | 06/05/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX Missing extensions for XXX and business returns. XXX Missing XXX yr Complete business tax return for XXX Missing XXX yrs complete business returns for XXX. | XX/XX/XXXX XXX: Please note that the loan is prior to XXX, and the disbursement date was prior to XXX. Per XXX XXX-XXX-XXX, "the most recent year's tax return is recommended; however, the previous year(s) is also acceptable. In the event the most recent year's tax return is not obtained, the loan file must include a completed and signed XXX Form XXX-C for transcripts of tax returns provided by the borrower to the lender." Please see that we provided a copy of the signed XXX to meet this guideline. | 06/09/2025 | Audit reviewed Lender's response and has determined the XXX and XXX tax returns in file with the 4506C meets AUS and FNMA requirements and the XXX extension is not required. In addition, negative income for XXX and XXX was included in qualification from the schedule; therefore, additional documentation is not required. Income documentation in file meets AUS and FNMA requirements. Condition rescinded.; Income and Employment Meet Guidelines | 06/10/2025 | D A |
| OBX2025J2135 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | 06/05/2025 | 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 the attached third-party record confirming that there is no HOA associated with the property. | 06/09/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J2135 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | 06/05/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J2106 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | 06/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2087 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Rescinded | 06/10/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. XX/XX/XXXX: finding added per appraisal receipt. Please provide CDA. | Please see pgs XX/XX/XXXX for CDA previously provided. | 06/11/2025 | Audit reviewed Lender's response and has determined the CDA is in the loan file on pages XXX-XXX. Condition rescinded.; Third party valuation product provided within tolerance. | 06/13/2025 | D A C |
| OBX2025J2087 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | 06/05/2025 | Property | Appraisal is Missing | Appraisal is Missing. Primary appraisal was not in the file and is required. | Appraisal | 06/09/2025 | Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2087 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | 06/05/2025 | 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 dates are correct. | HOI | 06/11/2025 | Lender provided hazard insurance with 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. | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2087 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Rescinded | 06/05/2025 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE prior to closing for Borrower 1.. | XXX for B1 dated within XXX days prior to closing provided pg XXX of full credit package delivered | 06/09/2025 | Audit reviewed Lender's response and has determined the XXX on page XXX dated within XXX days of the Note date, meets AUS and XXX requirements for use as a VVOE. Condition rescinded.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 06/10/2025 | D A C |
| OBX2025J2087 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Rescinded | 06/05/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of Hazard insurance for the property at XXX. Additional conditions may apply. Missing credit supplement to show XXX lien rating for XXX account confirming monthly payment and balance on XXX. Additional conditions may apply. | Please see pgs XXX-XXX for HOI for XXX \| Please see pages XXX-XXX for XXX on XXX | 06/09/2025 | Audit reviewed Lender's response and has determined HOI for XXX and XXX on XXX, reflecting a disbursement was taken out on XX/XX/XXXX was in the loan file on pages XXX-XXX for hoi and XXX-XXX for XXX. The disbursement for the XXX was dated XX/XX/XXXX and previously had a XXX balance; therefore, a mortgage history would not be available or required. Condition rescinded. | 06/10/2025 | D A C |
| OBX2025J2087 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/05/2025 | Resolved | 06/05/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2076 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2076 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | 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 | XX/XX/XXXX XXX: please see attached mortgage Statement showing the taxes/insurance are escrowed. As well as the second document showing no HOA dues on the property | 06/10/2025 | Lender provided property detail report from XXX reflecting property does not have HOA fees. Condition cleared. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2064 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | 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)). Document required to clear exceptoin: Missing appraisal delivery receipt at least XXX days prior to closing. | XXX XX/XX/XXXX: Please see the attached Appraisal Delivery | 06/17/2025 | Lender provided Evidence of appraisal delivery. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding; Material Finding | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2064 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | 06/06/2025 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The electronic consent disclosure is missing. The LE was electronically signed. | XX/XX/XXXX XXX: Please see attached. | 06/11/2025 | Evidence of eConsent is provided. Lender provided verification of Borrower's eConsent. Condition cleared.; Material Finding | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2064 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | 06/06/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX from the XXX is missing and is required to calculate income. | XX/XX/XXXX XXX: Please see attached. | 06/11/2025 | Income and Employment Meet Guidelines Lender provided XXX business returns with schedule XXX. Condition cleared. | 06/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2064 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | 06/06/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2144 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | 06/06/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2144 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | 06/06/2025 | 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 mortgage Statement showing the taxes/insurance are escrowed. As well as the second document showing no HOA dues on the property | 06/10/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2066 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2025 | Resolved | 06/08/2025 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i). Because the loan failed the Initial CD delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, the decrease on XX/XX/XXXX did not reset the baseline: Lender Credits. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX tolerance violation in the amount of XXX is due to the decrease from XXX to XXX for the Lender Credits. | XXX XX/XX/XXXX A Rate change took place on XX/XX/XXXX taking the rate from XXX% to XXX% Due to this there was an adjustment to the pricing for the rate from XXX% or XXX to XXX% or -$XXX. On XX/XX/XXXX the borrower requested CoC to change the loan amount which caused final pricing to change to XXX% or XXX and a new CD was disclosed. A Closing disclosure went out to the borrower to redisclose the Lender Credits being XXX and Discount points becoming $XXX. Please see attached Closing disclosures, rate lock confirmation forms, and Change of Circumstance form. | 06/11/2025 | Lender provided COC. Condition cleared.; Lender provided COC. Condition cleared. | 06/18/2025 | 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 |
| OBX2025J2066 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/08/2025 | Resolved | 06/08/2025 | 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:"USPS First Class Mail" 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. 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 CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX | XXX XX/XX/XXXX Please see the attached Closing Disclosure and XXX worksheet with proof that both borrowers were sent an Initial Closing Disclosure on XX/XX/XXXX and the mailbox rule was applied. This meets the XXX business days before the closing date of XXX. | 06/11/2025 | Lender provided Initial CD. Condition cleared.; Lender provided Initial CD. Condition cleared. | 06/18/2025 | 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 |
| OBX2025J2066 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | 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 |
| OBX2025J2111 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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 |
| OBX2025J2070 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of hazard insurance, taxes and HOA or letter from borrower stating no HOA for the property at XXX. Missing HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: See attached escrow breakdown confirming taxes and insurance are escrowed. We have not found anything to indicate either property has HOA dues. FNMA guidelines due to not require fraud report to specify the XXX property type and do not require a borrower letter. FNMA guidelines only require the lender to document HOA dues if applicable, and we have found no evidence they are applicable in this situation. Please clear or provide evidence these properties have HOA dues. ; XX/XX/XXXX XXX: Escrow breakdown was provided for this property and attached here showing taxes and insurance are escrowed. Additionally, we did not find any indication this property has an HOA. Fraud Report did not call out any undisclosed HOA dues, there are no HOA deductions in assets, and there is no indication this is a XXX or XXX<br> Guidelines do not require a LOX to confirm this. | 06/18/2025 | Audit reviewed Lender's response and has determined verification of all expenses for each REO property, including the HOA fees to properly calculate the debt ratios is a XXX requirement. Audit property search of property XXX supports that property does not have HOA fees; however, property XXX does have HOA fees of XXX annually. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audit reviewed Lenders response, however; no documentation was attached for XXX. For the HOA, Fraud report does not show what type of property these are (XX/XX/XXXX). Please provide documentation verifying property type, HOA documentation or letter from borrower stating no HOA for the property at XXX & XXX. Condition remains. | 06/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2070 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Rescinded | 06/09/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender must support the use of shorter time frame for XXX income and provide a written analysis and compensating factors as well as proof it will continue for a minimum of XXX yrs. This is XXX new guidelines as of XX/XX/XXXX Section 1302.2-1302.4 of the FHLMC guidelines. File contains YTD and prior year information for XXX income. Prior guidelines required XXX mos. and now allow for XXX mos. with conditions. Please note the XXX income calculator in the file shows XXX listed at the top of it. This is a FHLMC approved loan. Additional conditions may apply. | XX/XX/XXXX XXX: Please clarify what is indicating this is a XXX approved loan so we can correct. This loan was underwritten through XXX to FNMA guidelines. FNMA XXX AUS findings were provided for the loan, we have never run this loan through LP. | 06/12/2025 | Audit reviewed Lenders response and re-reviewed file. Condition rescinded. | 06/18/2025 | D A |
| OBX2025J2070 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2073 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | 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 following properties: XXX and XXX. Additional conditions may apply. | XX/XX/XXXX XXX: We found no indication that either of these properties have HOA dues. No undisclosed HOA dues called out by Fraud Report, no HOA deductions in assets, and no indication these properties are XXX or XXX. Guidelines do not require a borrower LOX to confirm. | 06/12/2025 | Audit reviewed Lender's response and has determined an audit property search of properties XXX and XXX supports properties do not have HOA fees. Condition cleared. | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2073 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/09/2025 | Resolved | 06/09/2025 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX of XXX mo history on XXX to confirm paid as agreed. Confirmed XXX mo stmts in the file and a XXX mo rating on the credit report. | XX/XX/XXXX XXX: Please clarify what guideline is being referenced, unable to find this as a requirement in XXX criteria | 06/12/2025 | Audit reviewed Lender's response and has determined the mortgage history in file meets AUS and Overlay requirements. Condition cleared.; Housing History Meets Guideline Requirements | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2073 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2146 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing evidence the property located at XXX is owned XXX, such as a property profile. Additional conditions may apply. | property profile upld; full credit report upld | 06/19/2025 | Lender provided property detail report for property XXX reflecting property is owned XXX. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided credit report; however, did not provide documentation to verify property XXX is owned XXX. Condition retained. | 06/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2025J2146 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | proof econsent accepted upld | 06/13/2025 | Evidence of eConsent is provided.; Material Finding; Material Finding | 06/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2146 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | XXX Contract is Incomplete | is XXX but XXX Contract Doc is Incomplete Missing addendum with final of $XXX. | adden upld | 06/16/2025 | Lender provided addendum to XXX contract reflecting XXX seller credit to buyer to be applied as a reduction in the XXX price, which results in a XXX price of $XXX. Condition cleared.; XXX Contract Doc is complete.; Material Finding; Material Finding | 06/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2146 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/11/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2125 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2080 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2080 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Compliance | Missing Credit Score Disclosure (FACTA) | Missing Credit Score Disclosure (FACTA). | XXX XX/XX/XXXX Please see attached Credit Score Disclosure | 06/12/2025 | FACTA Credit Score Disclosure is provided. | 06/13/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2109 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2193 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2049 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | 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 screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements ppraisal, or LOE from the borrower dditional conditions may apply. | XX/XX/XXXX XXX: attached ; XX/XX/XXXX XXX: please see attached | 07/02/2025 | Lender provided appraisal for property XXX verifying annual HOA fees of XXX or XXX per month. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Borrower 1 Credit Report is not partially present.; Audit reviewed Lenders response, however; Please provide evidence of no HOA for the properties located at XXX. Condition remains. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2049 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2089 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX Documents in file show an address of XXX with borrowers name on it however Final 1003 shows address as XXX only. Confirm and document whether or not XXX belongs to borrower. (Note: hazard insurance is in file with the borrowers name on it) Fraud report shows XXX as owned by borrower. Please also confirm XXX with documents on both. (There is a very large tax stmt in file that doesn't coincide with Final 1003.) Ratios were approved at XXX%. Additional conditions may apply. | PITI verification attached | 06/17/2025 | Resolved as lender verified the second home address should be XXX and not XXX. ; Borrower 1 Credit Report is not partially present. | 06/18/2025 | C A |
| OBX2025J2089 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide proof that contingencies on both 1st and 2nd job have been lifted as letter for job XXX and WVOE for job XXX don't confirm it. Since the borrower will have started the jobs a VVOE on each would be sufficient. | VVOE showing borrower XXX attached | 06/13/2025 | Condition resolved as we have received an updated VOE reflecting borrower as an active employee.; Income and Employment Meet Guidelines | 06/18/2025 | C A |
| OBX2025J2089 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | 06/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | C A |
| OBX2025J2094 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | 06/12/2025 | 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)). Please provide evidence borrower received Appraisal within required XXX day period | appraisal ack | 06/13/2025 | Evidence of appraisal delivery provided. | 06/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2094 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2078 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2110 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2100 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2127 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2128 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | Missing XXX 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. | PATRIOT AXXX FORM | 06/16/2025 | Document provided - condition cleared; XXX Patriot Act Disclosure or ID provided.; Material Finding; Missing XXX Patriot Act Disclosure or ID. | 07/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2128 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/03/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2128 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Cured | 06/12/2025 | Compliance | Charges That Cannot Increase Test | XXX 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 Credit Report Fee and the addition of Second/Review Appraisal Fee of XXX on the PCCD dated XX/XX/XXXX. 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | PCCD, REFUND CHECK, XXXX SLIP, LOE | 06/24/2025 | 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 LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2128 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | 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 complete title report showing sufficient coverage. | TITLE | 06/18/2025 | Lender provided 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; Material Finding | 06/19/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2128 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/11/2025 | Resolved | 06/11/2025 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The declaration page has total coverage of XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply. | HAZARD INSURANCE | 06/16/2025 | Cleared as we have received the cost to build as new which meets coverage requirements. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | 06/17/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2104 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | 06/12/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2085 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | 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: Provide evidence appraisal was provided at least XXX days prior to closing. | XXX XX/XX/XXXX Please see attached Appraisal Acknowledgement | 06/30/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2085 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | 06/12/2025 | 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 XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2142 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/12/2025 | Resolved | 06/12/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2117 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | 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 XXX- see attached | 06/20/2025 | 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 | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2117 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2095 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2093 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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 LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2093 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/13/2025 | Resolved | 06/13/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing gift letter for XXX | GIFT LETTER | 06/17/2025 | Lender provided gift letter for the XXX gift. Condition cleared.; Asset Qualification Meets Guideline Requirements | 06/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2093 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/15/2025 | Resolved | 06/15/2025 | 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 missing proof borrower received appraisal XXX days prior to closing | APPRAISAL RECIEPT ACKNOWLEDGEMENT | 06/17/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 06/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2103 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/14/2025 | Resolved | 06/14/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2143 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/14/2025 | Resolved | 06/14/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2174 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | 06/16/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2139 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | 06/16/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2025J2140 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | 06/16/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing 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. The loan integrity report confirms there is no active HOA for XXX | 06/18/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 06/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2140 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | 06/16/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2147 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | 06/16/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2086 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/16/2025 | Resolved | 06/16/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2099 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 that there are no HOA dues associated with the property. | 06/18/2025 | 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. | 06/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2099 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Original LTV 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 |
| OBX2025J2123 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2055 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | 06/18/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | XXX XXX/XXX: 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 that have affiliated payees. Please see attached | 06/23/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2055 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2212 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX #XXX, with a monthly payment of XXX was excluded from the DTI. Please provide supporting documentation for the omission of the debt Stated above. | Documentation to support the XXX payment can be excluded \| \| | 06/27/2025 | Lender provided credit supplement reflecting XXX #XXX has a XXX balance. 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. C A |
| OBX2025J2212 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Property | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing Appraisal Completion Form (1004D). | Completion report | 06/24/2025 | Lender provided XXX completion report. Condition cleared.; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable | 06/25/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A |
| OBX2025J2212 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 XXX 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. C A |
| OBX2025J2149 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2149 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing the insurance policy for the property at XXX | XX/XX/XXXX XXX: Please see attached doc | 06/19/2025 | Lender provided hoi for property XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2149 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | 06/18/2025 | 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:"USPS First Class Mail" 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. Please provide evidence borrower received Initial Closing Disclosure within required XXX days prior to consummation. Initial CD dated XX/XX/XXXX; Consummation date XX/XX/XXXX. | XXX XX/XX/XXXX Please see the attached XXX Disclosure History and initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/XX/XXXX and consented to it on XX/XX/XXXX. This meets the XXX business days before the closing date of XX/XX/XXXX. | 06/19/2025 | Lender provided initial CD. Condition cleared. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2136 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2136 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | 06/18/2025 | 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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 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 tolerance is due to addition of the Verification of Employment Fee on LE XX/XX/XXXX. | XXX XX/XX/XXXX: Please see attached Change in Circumstance form and corresponding disclosure, the underwriter required further information in order to proceed with the transaction | 06/19/2025 | Lender provided valid COC for added Verification of Employment fee, which was due to Underwriter requirement. Condition cleared. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2115 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | uploaded XXX; uploaded XXX | 06/20/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; DD firm to complete HMDA review. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2115 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Lender to provide proof of taxes, insurance, HOA(if no HOA letter from the borrower stating no HOA) and proof that property is XXX for the following: XXX and XXX. Documents should clearly connect the monthly debt to the specific. Letter in file from borrower States there is no private loan against the property at XXX. It is co owned. If documents that are provided show the property with a lien against it then proof will have to be given that someone else is making the payments. i. XXX mos. cancelled check and a stmt for the loan. Additional conditions may apply. | REO - XXX XXX - OWNED XXX - - TAX / HOI / NO HOA AND ARTICLES ATTACHED. and REO - XXX XXX - OWNED XXX - TAX / HOI / NO HOA | 06/19/2025 | Lender provided property detail report for properties XXX and XXX reflecting properties are owned XXX. Condition cleared. | 06/20/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2218 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statements for XXX. If not applicable a LOE stating there are no HOA dues is required. | The attached was provided with the initial loan delivery | 06/23/2025 | Lender provided verification of HOA fees for property XXX. 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. C A |
| OBX2025J2218 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 XXX 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. C A |
| OBX2025J2037 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing other payment of XXX included in the subject property XXX. Please provide documentation for the other payment. | UNDERWRITER CLARIFICATION ; UW Response | 06/23/2025 | Lender provided explanation and calculation for additional expenses on subject property, which was estimated taxes. Condition cleared.; Borrower 1 Credit Report is not partially present.; Audit reviewed Lender's response and has determined documentation to verify what the other expenses of XXX in the subject transaction was for was not provided. Condition retained. | 06/24/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2037 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/23/2025 | 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% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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 |
| OBX2025J2037 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Missing XXX Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID. | Patriot Act | 06/18/2025 | Lender provided completed Patriot Act form. Condition cleared.; XXX Patriot Act Disclosure or ID provided. Lender provided completed Patriot Act Disclosure. Condition cleared. | 06/23/2025 | 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% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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 |
| OBX2025J2037 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an of: (XX-XX-XXXX) which is after XXX or this is an FHA loan with an after XXX 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 of: (XX-XX-XXXX) which is after XXX or this is an FHA loan with an after XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | Supplemental Consumer Form | 06/18/2025 | Lender provided SCIF. Condition cleared.; This Supplemental Consumer Information Form is Present. Lender provided SCIF. Condition cleared. | 06/23/2025 | 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% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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 |
| OBX2025J2037 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | 06/18/2025 | 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)). Doucmentation required to clear exception: Provide evidence the appraisal was provided to the borrower at least XXX business days prior to closing. | Appraisal Receipt | 06/18/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 06/19/2025 | 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% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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 |
| OBX2025J2121 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Borrower 1 Photo Identification not provided. | IDs; Patriot AXXX Form confirms ID | 06/27/2025 | Lender provided photo ID for Borrower 1. Condition cleared.; Photo Identification provided.; Lender provided completed Patriot Act form for Borrower 2, XXX. Please provide photo ID or completed Patriot Act form for Borrower 1, XXX. Condition retained. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A B |
| OBX2025J2121 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/18/2025 | Resolved | 06/18/2025 | 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. | App Date XX/XX/XXXX | 06/23/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 06/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A B |
| OBX2025J2121 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A B |
| OBX2025J2158 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/17/2025 | Resolved | 06/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2051 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2153 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). Documentation required to clear exception: XXX 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 Tolerance violation in the amount of XXX is due to Increase from XXX to XXX for the Appraisal Fee on CD XX/XX/XXXX. COC provided on page XXX however, COC is dated XX/XX/XXXX. | COC/LE | 07/01/2025 | Lender provided valid COC and re-disclose LE dated XX/XX/XXXX for increase in appraisal fee, which was due to complexity. Condition cleared.; Lender provided valid COC and re-disclose LE dated XX/XX/XXXX for increase in appraisal fee, which was due to complexity. Condition cleared. | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2153 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Compliance | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | This loan failed the initial 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 2015 , and 12 CFR §1026.19(e)(4)(i))The initial closing disclosure delivery date is either:Later than the third 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 XXX (XX/XX/XXXX)As 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 zero tolerance and 10% 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 three 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 three 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)). Documentation required to clear exception: Appraisal increase from $XXX to $XXX on CD XX/XX/XXXX and COC provided but is dated XX/XX/XXXX. | COC/LE | 07/01/2025 | Lender provided valid COC and re-disclose LE dated XX/XX/XXXX for increase in appraisal fee, which was due to complexity. Condition cleared.; Lender provided valid COC and re-disclose LE dated XX/XX/XXXX for increase in appraisal fee, which was due to complexity. Condition cleared. | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2153 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required to clear exception: The eSigned documents consent is missing. | E Consent | 06/24/2025 | Lender provided Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 06/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2153 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2202 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Rescinded | 06/20/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Service Providers | 06/23/2025 | Invalid finding - Attestation on file - no Affiliates.; Material Finding; Lender provided WLSP; however, did not provide Affiliated Business Disclosure. Condition retained. | 06/26/2025 | D A |
| OBX2025J2202 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX returns as required by XXX approval. Subject to full review of tax returns for Schedule E for rental and other businesses if applicable. Additional conditions may apply. | XXX Returns XXX | 06/24/2025 | Lender provided XXX tax returns, supporting rental income. Condition cleared.; Income and Employment Meet Guidelines | 06/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2202 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | 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 properties at: XXX. and XXX. Additional conditions may apply. | HOA Dues for both properties were in the file. | 06/24/2025 | Lender provided verification of HOA fees for properties XXX. and XXX. Condition cleared. | 06/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2202 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2101 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Property | Appraisal is Missing | Appraisal is Missing. The appraisal for the subject property is missing from the file. Additional conditions may apply. | Appraisal & SSRs | 06/23/2025 | Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2101 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Lender to provide | CDA - in original file. | 07/07/2025 | Third party valuation product provided within tolerance. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2101 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) Provide the loan agreement and other evidence of the terms and obligations for the private mortgage on XXX. XXX) Departing residence; provide proof of receipt of the first months rent and security deposit in the amount of $XXX. XXX) Evidence of HOA or no HOA on the property located XXX. Additional conditions may apply. | XXX attached for departing property in lieu of security deposit, 1st month rent & agreement. ; LOE - no HOA for XXX property and copy of Note/Deed for XXX | 07/03/2025 | Lender provided XXX for departing residence supporting offset of XXX on property. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided mortgage for property XXX reflecting terms of mortgage and provided LOE for XXX reflecting there are no HOA fees. Please provide proof of receipt of the first month rent and security deposit in the amount of XXX on departing residence. Condition retained. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2101 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines XXX) File is missing XXX's for Borrower 1 and Borrower 2. XXX) Missing Schedule C for Borrower 2 XXX. XXX) Missing complete XXX 1120s and XXX's for XXX for B1. Unable to calculate income for XXX - Rental property XXX (Sch C) and XXX (Sch E). XXX) W2's and or XXX's for Borrower 2 to clarify the start date of income. Additional Conditions may apply. | XXX XXX returns - Storage income is Schedule E. URLA corrected; Income documents were in the file - uploading possible missing documents | 06/27/2025 | Lender provided XXX return for Borrower XXX with schedule E supporting Lender's income calculation and provided updated 1003 reflecting income as schedule E vs schedule C as reflected on Final 1003. Condition cleared.; Income and Employment Meet Guidelines; Audit reviewed Lender's response and has determined XXX tax return for Borrower XXX, with all schedules to support income calculation for schedule XXX Storage was not provided and not found in file. Please provide XXX tax return with all schedules for Borrower XXX to verify Lender's income calculation and to meet AUS requirements. Condition retained.; Lender provided XXX tax return for Borrower 1 and XXX income tax calculator, tribal letter, XXX W2 and income history for Borrower 2, XXX W2 for Borrower XXX, XXX tax return for XXX, Underwriting notes from Transmittal Summary, and LOE explaining income. Please provide Borrower XXX, XXX tax return to verify XXX income. Condition retained. | 06/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2101 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | 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. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2131 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Gift funds from XXX are being transferred prior to release of final closing package in the amount of XXX Provide a copy of the cashier's check or wire directly to the settlement agent. | XX/XX/XXXX XXX: See attached wire receipt | 06/23/2025 | Lender provided Wire transfer in the amount of $XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 06/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2131 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing A verbal, written, or email verification of employment for Borrower 1 is missing from the file per DU. Please provide a VOE or business license within XXX calendar days prior to the note. Lenders also have the option of obtaining the verbal verification of employment after the note date (and prior to delivery of the loan to XXX. | XX/XX/XXXX XXX: See attached verification from CPA | 06/23/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided CPA letter, verifying Borrower's self-employment. Condition cleared. | 06/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2131 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Rescinded | 06/19/2025 | Credit | Borrower 1 Business Tax Returns Missing | Borrower 1 Business Tax Returns Missing File is missing the one year tax return for XXX per XXX line XXX (Borrower using self XXX income to qualify). Additional conditions may apply. | XX/XX/XXXX XXX: Line XXX specifically States that it only applies if the business' income is being used for qualification. Income from XXX was not used, we are only hitting for the self-XXX loss reporting on borrower's Schedule E. | 06/23/2025 | Borrower 1 Business Tax Returns Provided Audit reviewed Lender's response and has determined income was not used in qualification, Borrower was only hit from business loss for XXX; therefore, no additional documentation is required. Condition rescinded. | 06/25/2025 | D A |
| OBX2025J2131 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| OBX2025J2119 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/19/2025 | Resolved | 06/19/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 06/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2059 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2113 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Gift funds were not completely verified coming from XXXX. There was a total of XXX in gift funds. XXX of XXX show coming from XXX which is a transfer company for funds but didn't provide proof that XXX account it is coming from, belongs to the XXXXr. Those funds were for XXX and XXX on XX/XX/XXXX and XXX on XX/XX/XXXX. Remaining XXX in gift was confirmed coming directly fromXXXX. Additional conditions may apply. | XX/XX/XXXX XXX: See attached evidence gifts came from Donor; XX/XX/XXXX XXX: See attached from Donor's account showing the XXX funds came from the Donor | 06/26/2025 | Lender provided gift donor bank Statements verifying a total gift of $XXX. Condition cleared.; Asset XXX Meets Guideline Requirements Or Not Applicable; Lender provided Borrower 2 XXX; however, did not provide gift donor documentation. Condition retained. | 07/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2113 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2113 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | Borrower 2 residency documentation not provided or issue with documentation | Lender to provide proof of permanent residence as per XXX approval requirements. Documentation in file is insufficient and it States awaiting clearance for residency. Additional conditions may apply. | XX/XX/XXXX XXX: See attached residency docs | 06/24/2025 | Lender provided Borrower 2 XXX and notification of extension. Condition cleared. | 06/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2204 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2208 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% A |
| OBX2025J2208 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | 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. | Please see delivery proof | 06/24/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided. | 06/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2208 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Compliance | Initial Closing Disclosure Delivery Date Test | Documenation required to clear exception: Missing Initial CD. Only CD in file is date XX/XX/XXXX, Consummation Date XX/XX/XXXX. 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:"USPS First Class Mail" 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. | Please see Initial CD delviery | 06/24/2025 | Lender provided Initial CD. Condition cleared.; Lender provided Initial CD. Condition cleared. | 06/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2088 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2088 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) Missing HOA Statement, or evidence of no HOA for the properties located at XXX, and XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements ppraisal, or LOE from the borrower. XXX) Please provide the mortgage Statement, taxes and or insurance for XXX. XXX) Please provide a property profile or LOE of no ownership in XXX. Additional conditions may apply. | mtg stmnts and hoa/no hoa upld for XXX & XXX, still reviewing XXX unit #XXX. | 06/25/2025 | Document Uploaded. ; Lender provided HOA for properties XXX and XXX, mortgage Statement for XXX verifying escrows include both taxes and insurance. Lender also provided a property detail report for XXX #XXX, verifying Borrower does not have ownership in property. Condition cleared.; Borrower 1 Credit Report is not partially present. | 06/27/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2197 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/20/2025 | Resolved | 06/20/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2197 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Rescinded | 06/23/2025 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% LP in file is the most recent AUS. Please re-run AUS to match XXX in file. | AUS | 06/25/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% Audit reviewed lender's response and has determined the XXX in the loan file on page XXX approving DTI of XXX% and matches the AUS information on the AUS. Condition rescinded. | 06/27/2025 | C A |
| OBX2025J2154 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX Missing proof the property is XXX. Also missing hazard insurance and HOA or letter from borrower stating no HOA on the property at XXX. XXX Missing documentation for XXX loan. Provide credit supplement or other acceptable documents with balance, term and monthly payment of XXX per month for a XXX loan as Stated in the file. Final HUD shows proceeds. Additional conditions may apply. | • HOI for XXX XXX \| • XXX CD and note showing no XXX payment required. \| • Updated 1003/XXX \| • Updated AUS \| ; REO Docs | 07/16/2025 | Lender provided XXX Loan Note verifying there is no monthly payment on Note, the XXX Loan has a XXX payment due in XXX months or at the sale of the property. Lender also provided hoi, update 1003, XXX and AUS with DTI still approved at XXX%.. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided taxes and appraisal for property XXX verifying property does not have HOA fees. Please provide hoi for property XXX and provide documentation for XXX loan. Please provide credit supplement or other acceptable documents with balance, term and monthly payment of XXX per month for a XXX loan as Stated in the file. Final HUD shows proceeds. Condition retained. | 07/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2154 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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, letter of explanation, copy of refund check, and proof of delivery or valid COC. The XXX tolerance violation in the amount of XXX is due to increase of the final property inspection fee from XXX on initial LE to XXX on final CD without valid COC. | COC | 06/27/2025 | Lender provided valid COC for increase in Appraisal Inspection fee, which was due to appraisal made subject to requiring a XXX re-inspection. Condition cleared.; Lender provided valid COC for increase in Appraisal Inspection fee, which was due to appraisal made subject to requiring a XXX re-inspection. Condition cleared. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2154 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Lender to provide Current YTD paystubs to confirm income of XXX per month base, XXX per month of bonus income and $XXX. per month in XXX income for B1. File has outdated paystubs from XX/XX/XXXX. Year end paystubs for XX/XX/XXXX are in file to help calculate income but need YTD for XXX to properly calculate as well as a requirement of the LP approval. Additional conditions apply. | Borrower 1 Paystubs | 06/27/2025 | Lender provided current YTD paystubs, supporting Lender's income calculation. Condition cleared.; Borrower 1 Paystubs Provided | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2154 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | Borrower 2 Paystubs Missing | Borrower 2 Paystubs Missing Lender to provide current YTD paystubs to confirm income of XXX per month for B2. There are no paystubs for B2 in file. Additional conditions apply. | Borrower 2 Paystubs | 06/27/2025 | Lender provided Borrower 2 paystubs, supporting income calculated by Lender. Condition cleared.; Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals XXX) | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2154 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2062 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Lender to provide satisfactory explanation. Final 1003 indicates business sold with net proceeds of XXX Assets were provided into borrowers business account from XXX but no paper trail provided for sale of business. Additional conditions may apply. | Please see attached | 07/02/2025 | Lender provided an LOE for assets. The XXX is a customary deposit into Borrower's business account for XXX, which resulted in a balance of XXX which is what is reflected on the 1003. The use of business accounts is allowable per AUS and FNMA. Condition cleared.; Asset Record XXX Meets G/L Requirements Or Not Applicable | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2062 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2137 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2063 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | 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 XXX 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% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2250 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated no more than XXX business days prior to the closing date of XX/XX/XXXX. | Please see attached VVOE | 06/26/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided VVOE dated within XXX business days. Condition cleared. | 07/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2250 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | Borrower 1 W2/XXX Missing | Borrower 1 W2/XXX Missing. Missing XXX W2. | Please see attached XXX W2 | 06/26/2025 | Borrower 1 W2/XXX Provided Lender provided XXX W2. Condition cleared. | 07/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2250 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | XXX Contract is Missing | is XXX but XXX Contract Doc is Missing | Please see attached XXX contract. | 06/26/2025 | Lender provided XXX Contract. Condition cleared.; XXX Contract Doc is not Missing, or is Not Applicable. | 07/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2250 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | 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 documentation to verify date appraisal delivered. to Borrower. | Please see attached Appraisal Delivery Confirmation | 06/27/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 07/01/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2250 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | 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 XXX findings noted, condition cleared.; HMDA review completed, no Level XXX 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. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2042 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | 06/23/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2122 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2124 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | 06/24/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2186 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | 06/24/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2150 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Resolved | 06/24/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | C A |
| OBX2025J2181 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Acknowledged | 07/10/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA on lowest appraised value XXX - per XXX GL requirements. |  |  | XXX approved - XXX appraisals in file - Grade B - 2nd appraisal in file supports value. | 07/17/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2181 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2161 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2168 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2155 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from the borrower stating no HOA for the properties at XXX and XXX. Additional conditions may apply. | XX/XX/XXXX XXX: attached XXX report indicates no HOA for both properties | 06/27/2025 | Lender provided property search through XXX for properties XXX and XXX, reflecting properties do not have HOA fees. Condition cleared. | 07/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2155 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2057 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing signed/certified Final HUD I for sale of former residence with proceeds of approximately $XXX otes in file indicate docs in file including a credit supplement for XXX showing paid off. The signed final HUD XXX showing it paid off will be sufficient. Also wire deposit on XXX for XXX needs to be addressed unless that is the same amount as is on the Final HUD I. Additional conditions may apply. | hud sale of home | 06/27/2025 | Lender provided final settlement Statement for sale of departing residence verifying payoff of XXX Bank loan and sufficient proceeds of $XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2057 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | 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. Verification in file is a completely blank form. It is understood that the borrower will not begin job until XX/XX/XXXX but still need a VVOE to that effect. | vvoe | 06/27/2025 | Lender provided VVOE dated within XXX business days of the Note date. Conditino cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/02/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2057 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Missing entire Final 1003. Lender to provide Final signed and dated 1003. Additional conditions may apply. | Final 1003 | 06/30/2025 | Lender provided 1003. Condition cleared.; The Final 1003 is Present | 07/02/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2057 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | hmda data | 06/27/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2071 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2179 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing proof that payment for XXX is only XXX per month as Stated on Final 1003. Student loans require a monthly payment designated on the credit report or we take XXX% of the balance as the monthly payment. XXX% of the balance would cause DTI to be well over XXX% Additional conditions may apply. | XX/XX/XXXX XXX: attached | 06/27/2025 | Lender provided Statement for XXX verifying monthly payment of $XXX per month. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2179 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/25/2025 | Resolved | 06/25/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2172 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | Missing final HUD-XXX from sale of non-subject property | Provide signed/certified copy of sold property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: The sale of the property was through a relocation agreement. The documentation provided is equivalent to the documentation being requested. The amount deposited into the borrower's account matches the equity Statement exactly. | 06/27/2025 | Lender provided relocation XXX agreement, equity Statement and explanation of the XXX relocation program. Borrower's departing residence was sold through the relocation program. Condition cleared. | 07/01/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2172 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2198 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | EConsent Agreement and proof of Econsent | 07/02/2025 | Lender provided verification of Borrower's - Consent. Condition cleared.; Evidence of eConsent is provided.; Material Finding | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2198 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2167 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2182 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2232 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2183 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of taxes and HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XXX XXX Documentation | 06/30/2025 | Lender provided title report for property XXX verifying owned XXX, taxes, hoi and property search. Audit property search supports property does not have HOA fees. Condition cleared.; Document Uploaded. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2183 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2213 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing signed/certified HUD I's for both properties that were sold XXX and XXX. The HUDS in file are estimates and/or have not been signed or certified. Net assets expected totaling $XXX. Additional conditions may apply. | Signed Settlement Statements | 06/30/2025 | Lender provided final settlement Statements for properties XXX and XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2213 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 06/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2214 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application shows a housing expense of XXX for the property located at XXX. The file lacks documentation to validate this amount. Please provide documentation to confirm expenses. | Insurance, taxes, and hoa | 06/30/2025 | Lender provided taxes, hoi and HOA fees verifying expenses of XXX for property XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2214 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | 06/26/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 06/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2220 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing complete business returns(XXX). File contains 1st pg. signed and throughout the file are some pages but is incomplete. XXX approval only requires XXX yr business returns for XXX. XXX yrs were provided for them. XXX but it doesn't appear that any income is being used from that company. Also missing required Income calculations in order to use XXX yr tax returns. If lender used XXX yrs returns to calculate income then please provide XXX yrs otherwise only need the XXX yr. Cannot properly calculate income without complete documentation. Additional conditions may apply. Missing proof of taxes for the property at XXX Statement does not break out taxes and insurance but insurance is already in file. Additional conditions may apply. | Business Returns | 07/15/2025 | Lender provided tax return supporting Lender income calculation. Audit confirmed XXX for property XXX using the mortgage Statement that reflects escrows, hoi, HOA and tax information from the schedule E and fraud report. Condition cleared.; Income and Employment Meet Guidelines | 07/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2220 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX mortgage history for XXX(against XXX) per XXX approval. Additional conditions apply. | Verifying XXX months Housing History | 07/01/2025 | Lender provided credit update reflecting XXX month mortgage history for XXX. Condition cleared.; Housing History Meets Guideline Requirements | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2220 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2210 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | 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 coverage sufficient to cover loan amt. | please see attached doc XXX XX/XX/XXXX | 07/14/2025 | 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 | 07/16/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2210 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2210 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | 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 | 07/01/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2025J2166 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | Borrower 1 Photo Identification not provided | Borrower 1 Photo Identification not provided. Missing identification which is required. | DL | 07/03/2025 | Lender provided Borrower's photo ID. Condition cleared.; Photo Identification provided. | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2166 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2025J2134 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/28/2025 | Resolved | 06/28/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2145 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2221 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | 06/27/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2188 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2141 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2132 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2090 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX and business returns or Extension for both. File contains the first XXX pages of XXX returns and the XXX for XXX for the business. If providing an extension provide satisfactory explanation as to why any XXX documentation was provided if there was an extension. Additional conditions may apply. | XXX and business extension info and LOX; Extension | 07/09/2025 | Audit reviewed Lender's response. The tax extension and tax transcript in file reflects there was no record of a XXX return filed supporting the Lender's LOE and the use of the XXX tax return. Condition cleared.; Income and Employment Meet Guidelines; Lender provided XXX tax extension for XXX tax return; however, did not provide extension for business return and a LOE if Borrower filed the XXX tax return since the first XXX pages of the return are in the loan file. Condition retained. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2090 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Business verification was provided but doesn't have a date and needs to be within XXX calendar days prior to the note date of XX/XX/XXXX per XXX approval. | contractor license | 07/02/2025 | Lender provided business license search dated post closing, which meets AUS requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2090 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | 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. | REO Docs | 07/02/2025 | Lender provided LOE from Borrower. The schedule E verifies property XXX does not have HOA fees. Condition cleared. | 07/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2090 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2180 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2152 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Lender to provide satisfactory explanation of all large deposits and withdrawals and where they originated from with a paper trail. Referencing XXX Statement account ending in XXX Stmt dated XX/XX/XXXX and stmt XX/XX/XXXX. Also XXX stmt dated XX/XX/XXXX large deposit of $XXX. | Please see attached to XXX deposits as requested | 07/03/2025 | Lender provided updated account transaction history for account ending in XXX verifying the large deposits into account ending in XXX came from Borrower's account and the most current balances were used in qualification. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2152 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2160 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/02/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2201 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Lender to rerun XXX due to miscalculation of Sch. E losses for a new DTI of XXX%. Lender didn't include bottom line non passive losses in calculations. Additional conditions may apply for review of updated XXX approval. | XX/XX/XXXX XXX According to the guidelines, All depreciation and/or amortization claimed on Form XXX can be added back to the income calculation. This is allowed if the addback has not already been accounted for on page XXX of the business returns; XX/XX/XXXX XXX: The XXX amount was used for the SCH E loss. The loss in the amount if XXX from XXX does not need to be included due to the XXX showing the has depreciation in the amount of XXX \| The loss will include XXX & $XXX= -$XXX/XXX= XXX \| | 07/09/2025 | Audit reviewed Lender's response. The XXX is a business set up for a rental property, that Borrower has XXX% ownership per the XXX. The XXX reflects a depreciation of XXX which was give the Borrower a positive income for property. Lender did not include the income in calculation and was most conservative and only included the loss from the other businesses on the schedule E. 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%; Audit reviewed Lender's response. The XXX is a business set up for a rental property, that Borrower has XXX% ownership per the XXX. The XXX reflects a depreciation of XXX which was give the Borrower a positive income for property. Lender did not include the income in calculation and was most conservative and only included the loss from the other businesses on the schedule E. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audit reviewed Lender's response and has determined there is no depreciation reflected on line XXX of the XXX tax return. Schedule L, specifically Line XXX, reports the accumulated depreciation, which is the total depreciation claimed on the partnership's assets since they were put into service. This is a balance sheet item, not an income Statement item, and therefore it's not the figure used for the "add-back" calculation when determining qualifying income. Audit DTI remains as XXX%. Condition retained. | 07/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2201 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | 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 doc that shows no HOA is associated with this property. | 07/02/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 07/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2201 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2185 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Compliance | XXX: Missing Closing Disclosure | XXX: Missing Final Closing Disclosure Documentation required to clear exception: Final CD is missing from file. Initial CD in file is dated XX/XX/XXXX and consummation date XX/XX/XXXX. Per XXX missing CD issued XX/XX/XXXX. | Attached the Final Closing Disclosure. Please review and clear the condition. Thank you. | 07/10/2025 | Lender provided Final CD. Condition cleared.; XXX: Final Closing Disclosure Provided | 07/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2185 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/30/2025 | Resolved | 06/30/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2171 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2138 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2148 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2148 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | 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 ppraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: please see attached showing monthly assessments for the REO being XXX per month | 07/07/2025 | Lender provided verification of HOA fees for property XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2191 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Cured | 07/01/2025 | 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 lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n 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). | PCCD | 07/11/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be grade a B.; XXX 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 tolerance is due to increased Appraisal Review fee from XXX to XXX on CD XX/XX/XXXX. The COC in file does not detail reason for increased fee. | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2191 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2069 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2209 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/01/2025 | Resolved | 07/01/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2231 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2236 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2236 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | 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.; Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 07/08/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2173 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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 |
| OBX2025J2199 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2224 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2217 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | 07/02/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2177 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | 07/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2156 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | 07/03/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2129 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | 07/03/2025 | 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. | TPOL Attached | 07/14/2025 | 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 | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2129 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/03/2025 | Resolved | 07/03/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2151 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | 07/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2159 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | 07/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2102 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | 07/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2189 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/04/2025 | Resolved | 07/04/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2164 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | 07/07/2025 | 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 XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2228 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | 07/07/2025 | 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 XXX 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% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2196 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | 07/07/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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 CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2190 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | 07/07/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/11/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2229 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | 07/07/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2195 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2195 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | 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 ppraisal, or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached document that does not show a HOA amount disclosed with the property. | 07/10/2025 | Lender provided property detail report through XXX for property XXX verifying property does not have HOA fees. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2211 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2216 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2216 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | 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 updated hazard insurance with correct date prior to or on closing date. | corrected HOI | 07/10/2025 | Lender provided insurance with 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 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2234 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | 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 XXX 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% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2234 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA. | Please see attached | 07/10/2025 | XXX Value Intelligence Appraisal Risk Review 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. | 07/14/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2234 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Property | Appraisal is Missing | Appraisal is Missing. Appraisal is Missing. | Please see attached | 07/10/2025 | Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived | 07/14/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2234 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing bank Statements reported on the Final 1003. Please provide bank Statements. Note: EMD could not be verified. | Please see attached | 07/10/2025 | Lender provided bank Statements, retirement Statements, escrow receipt and bank Statement verifying the EMD. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/14/2025 | 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2176 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2200 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | XXX | 07/16/2025 | Lender provided fraud report. Condition cleared.; Third Party Fraud Report is provided | 07/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J2200 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2025J2239 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/08/2025 | Resolved | 07/08/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2235 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2233 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide Collateral Desktop Analysis. | CDA attached | 07/16/2025 | 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. | 07/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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% A |
| OBX2025J2233 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Original CLTV 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% \| 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% A |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Credit | Missing XXX Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Patriot Act disclosure missing. | pat form | 07/14/2025 | Lender provided completed fraud report for both Borrowers. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Missing XXX Patriot Act Disclosure or ID. | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Credit | AUS Partially Provided | AUS Partially Provided LP approval requires resubmit with a monthly payment for debt that didn't have a payment input. That debt is XXX with a balance of $XXX sing minimum XXX per month payment. Rerun LP with that payment. Additional conditions may apply. | LP | 07/14/2025 | Lender provided updated AUS. Condition cleared.; AUS is not incomplete | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | XXX | 07/14/2025 | Lender provided Initial Escrow Disclosure. Condition cleared.; Initial Escrow Account Disclosure is Resolved | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Property | Appraisal is Missing | Appraisal is Missing. Missing full appraisal as required by LP approval. | appraisal | 07/14/2025 | Lender provided appraisal. Condition cleared.; Appraisal is Present or is Waived | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Credit | Missing final HUD-XXX from sale of non-subject property | Missing signed/certified copy of HUD XXX for sale of property at XXX. Copy in file is not signed or certified. | Final cd | 07/14/2025 | Lender provided final settlement Statement for sale of property XXX. Condition cleared. | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2237 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | 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 Additional conditions apply. | Please waive cond as the REO was sold prior | 07/14/2025 | Lender provided final settlement Statement for sale of XXX; therefore, verification of HOA fees for property is not required. Condition cleared. | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A B |
| OBX2025J2203 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/09/2025 | Resolved | 07/09/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2061 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | 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. | LOX attached | 07/16/2025 | Lender provided LOE from Borrower indicating there are no HOA fees for property XXX. Condition cleared. | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2061 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2175 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2025J2192 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2187 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Missing source of the large deposit in the amount of XXX dated XX/XX/XXXX in bank account #XXX. Please provide source of the large deposit Stated above. Note: EMD of XXX was sourced in file. | Borrower sold stock and it was wired out, minus the wire fee. ($XXX = $XXX) | 07/16/2025 | Lender provided verification of sale of stock and verification of wire transfer 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% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2187 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | 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 XXX 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% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV 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% \| 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2194 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/10/2025 | Resolved | 07/10/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2226 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Rescinded | 07/14/2025 | 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 to cover loan amount. | updated coverage is on page XXX of the final title folder in the documents | 07/18/2025 | Audit reviewed Lender's response and has determined title supplement reflecting coverage of XXX is in the loan file on page XXX Condition rescinded.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Findings | 07/21/2025 | C A |
| OBX2025J2226 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2219 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | 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 to cover loan amount. | attached | 07/25/2025 | 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 Findings | 07/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2219 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | Credit | Asset XXX Does Not Meet Guideline Requirements | Asset XXX Does Not Meet Guideline Requirements Missing FINAL HUD I from sale of property with net proceeds of $XXX. HUD in file is labeled Estimate. Additional conditions may apply. | attached | 07/18/2025 | Lender provided final settlement Statement for sale of REO property reflecting proceeds of $XXX. Condition cleared.; Asset XXX Meets Guideline Requirements Or Not Applicable | 07/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2219 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2241 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Acknowledged | 07/14/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide Collateral Desktop Analysis. | Please see attached CDA; Please see attached; Please see attached CDA | 07/28/2025 | Product is equivalent to a CDA, investor has granted an exception to their guidelines. Final grade will be a B.; This finding remains, the lender will not accept the residential loan review in lieu of a CDA that is required. ; Audit reviewed Lenders response; However, the Appraisal Review received is not acceptable. A 3rd Party reviewer CDA is required per CLients guidelines. Condition remains.; Lender provided an Appraisal Review; however, did not provide a CDA. The client overlays require a CDA. Condition retained. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| 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 |
| OBX2025J2241 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/11/2025 | Resolved | 07/11/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required: Required Affiliated Business Disclosure Missing | Please see attached; Please see attached; Please see attached | 07/25/2025 | Required Affiliated Business Disclosure Documentation Provided; Audit reviewed Lenders response,; however; If no Affiliates were utilized - Please provide LOE on Company letterhead (Lender) and list the subject Loan Number on it stating that no affiliates were utilized on this transaction. Condition remains.; Lender provided an attestation of no affiliates on loan; however, it is not for the subject transaction and not for the Lender on the loan. Condition retained.; Material Finding | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| 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 |
| OBX2025J2241 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | 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 XXX 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. \| 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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% \| 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 |
| OBX2025J2178 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2025J2227 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | audit trail | 07/18/2025 | Lender provided Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Findings | 07/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2227 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2025J2240 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | Attached | 07/17/2025 | Lender provided Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Findings | 07/21/2025 | C A B |
| OBX2025J2240 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | 07/14/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/16/2025 | C A B |
| OBX2025J2246 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/23/2025 | Resolved | 07/23/2025 | Credit | HMDA Discrepancy(s) Noted | The following HMDA Discrepancy(s) have been noted: |  |  | ULI provided by Lender - cleared; Material Finding; HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI - missing in loan file. Please provide Universal entifier (ULI). | 07/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2246 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | 07/16/2025 | 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. | Please find attached; Correspondent loan. Lender UXXX is XXX on 1003. Please find Note, Initial LE and Final CD as a proof | 07/25/2025 | ULI provided by Lender - condition cleared; Material Finding; Audit reviewed Lender's response and has determined a Universal entifier (ULI) has at least XXX characters. The documentation provided reflects the Lender Case Number and Loan Number. Please provide the valid Universal entifier (ULI). Condition retained. | 07/25/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2246 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | 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 Complete - Other finding added.; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2246 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | 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 at least XXX business days prior to consummation, XX/XX/XXXX is missing from the loan file. Showing evidence that appraisal was provided to the borrower at least XXX business days prior to consummation, or a waiver acknowledged may cure the violation. | Please find attached | 07/17/2025 | Evidence of appraisal delivery provided. | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2246 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABD is missing from the loan file. Showing evidence that the ABD was provided to the borrower within XXX business days of application, XX/XX/XXXX, may cure the violation. | Please find evidence from Lender attached | 07/17/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2246 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | Property | Property/Appraisal General | Property/Appraisal guideline violation: on the final CD XXX compared to the appraised value of $XXX. | Please find PCCD attached | 07/17/2025 | Lender provided PCCD correcting the to $XXX. Condition cleared.; Property/Appraisal Meets Guidelines | 07/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2242 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | 07/15/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/23/2025 | C A |
| OBX2025J2126 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | 07/16/2025 | Credit | AUS Partially Provided | AUS Partially Provided The AUS in file reflects the incorrect XXX price of XXX and loan amount of XXX The correct XXX price is XXX and loan amount is XXX A resubmission is required. Please provide updated AUS. | updated aus | 07/21/2025 | Resolved as we have received the updated AUS with corrections made. ; AUS is not incomplete | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| OBX2025J2126 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | 07/16/2025 | 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 | 07/21/2025 | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| OBX2025J2126 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | 07/16/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. MISSING MORTGAGE Statement, tax certificate, insurance policy and HOA Statement for the properties at XXX and XXX If HOA dues are not applicable, a LOE stating there are no HOA dues is required. Per Final 1003, the property at XXX #XXX is owned XXX. Please provide a property profile report. | XXX and XXX properties | 07/18/2025 | Lender provided HOA fees for properties XXX. and XXX The fraud report reflects no lien on property XXX and the credit report does not reflect a mortgage not assigned to a property, both supporting property XXX is owned XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 07/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| OBX2025J2126 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | 07/16/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per Final 1003, XXX in the amount of XXX was included in the assets balance, however there are no supporting documents in file. Please provide the most recent XXX months bank Statements for the retirement account Stated above. | XXX | 07/18/2025 | Lender provided XXX quarterly Statement reflecting balance of $XXX. Condition cleared.; Asset Qualification Meets Guideline Requirements | 07/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV 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% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% D A |
| OBX2025J2223 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Rescinded | 07/16/2025 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | Please review the RCE already in your loan files-replacement coverage confirmed at $XXX. HOI coverage exceeds this, please clarify why insurance above the RCE coverage is being required. | 07/25/2025 | Audit reviewed Lender's response and has determined the replacement cost estimate in file on page XXX reflects a replacement cost estimate of $XXX. Insurance coverage of XXX is sufficient to meet the replacement cost estimate of $XXX. Condition rescinded.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 07/29/2025 | C A |
| OBX2025J2223 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/16/2025 | Resolved | 07/16/2025 | 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 XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| 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 |
| OBX2025J2096 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | 07/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | hmda | 07/21/2025 | ; Lender provided HMDA Data. HMDA to be reviewed by DD firm. Condition retained. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2096 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | 07/17/2025 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application reflects a monthly mortgage payment of XXX and an additional housing expense of XXX for the property at XXX. The credit report confirms the XXX payment; however, we are unable to verify if property taxes and homeowner's insurance are escrowed. Additionally, there is insufficient documentation to validate the XXX housing expense. | XXX ; XXX | 07/21/2025 | Lender provided mortgage Statement, reflecting taxes included in escrows, HOA, hoi and taxes and verify the additional housing expenses of XXX which is the HOA and hoi not included in the escrows. Condition cleared. ; Borrower 1 Credit Report is not partially present. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2025J2238 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | 07/18/2025 | 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. | LOE regarding no HOA | 07/23/2025 | Lender provided LOE from Borrower for property XXX indicating property does not have HOA fees. Condition cleared.; 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. | 07/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2238 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | 07/17/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | revised LOE for aba; Comments from compliance, no affiliated business on this loan | 07/24/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Audit reviewed Lenders response; however; If no Affiliates were utilized - Please provide LOE on Company letterhead (Lender) and list the subject Loan Number on it stating that no affiliates were utilized on this transaction. Condition remains. ; Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | 07/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2238 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/18/2025 | Resolved | 07/18/2025 | 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 XXX 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. | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2025J2245 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | 07/17/2025 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide sufficient coverage for loan amt. | hoi | 07/25/2025 | Lender provided replacement cost estimate reflecting replacement cost estimate of $XXX. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Lender to provide sufficient coverage for loan amt. | 07/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2245 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/17/2025 | Resolved | 07/17/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2225 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | 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)). | Please see attached | 07/24/2025 | Resolved as we have received evidence of the appraisal delivery. ; Evidence of appraisal delivery provided. | 07/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2225 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2025J2253 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | Property | Third Party Valuation Product Not Provided within XXX% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide missing CDA. Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide missing CDA. | CDA | 07/31/2025 | 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. | 08/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2253 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | See attached | 07/24/2025 | Lender provided Fraud report. Condition cleared.; Third Party Fraud Report is provided | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2253 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2025J2222 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing The ABD is missing from the loan file. Showing evidence that the ABD was provided to the borrower within XXX business days of the , XX/XX/XXXX, may cure the violation. | Affiliated Business Confirmation | 07/24/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Material Finding | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2222 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | Compliance | Charges That In Total Cannot Increase More Than XXX% 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 n 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 loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))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 in settlement fees. The SPL is missing from the loan file. Providing an SPL showing that the settlement fees were borrower chosen may cure the violation. | Settlement Service Provider | 07/24/2025 | Lender provided initial WLSP. Audit re-ran compliance and has determined XXX% tolerance fees are within tolerance. Condition cleared.; Lender provided initial WLSP. Audit re-ran compliance and has determined XXX% tolerance fees are within tolerance. Condition cleared. | 07/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2222 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | 07/22/2025 | 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 XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2025J2243 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/24/2025 | Resolved | 07/24/2025 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX 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% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2025J2009 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | 02/17/2025 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing proof property at XXX was sold since it appears on XXX Schedule E. Additional conditions may apply. | WARRANTY | 02/20/2025 | Lender provided Warranty Deed reflecting property XXX belongs to the non-borrowing XXX. The fraud report does not reflect property as a property owned by Borrower supporting property is in the non-borrowing spouses name only and Borrower is not financially responsible for property; therefore, would not be required to be included in Borrower's qualification. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Missing proof property at XXX was sold since it appears on XXX Schedule E. Additional conditions may apply. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2009 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | 02/17/2025 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements All assets provided are solely in the name of the borrowers spouse. Borrower needs of XXX per post close CD and XXX mos. reserves of XXX based on XXX overlays. Provide proof that borrower is on this account or proof of his own funds for closing and reserves. Additional conditions apply. | BANK StateMENTS | 02/20/2025 | Lender provided XXX bank Statements reflecting Borrower as an owner of the account and provided business bank Statements from the business used in qualification for subject transaction, that reflects sufficient assets for reserves. The Cash Flow analysis is in the loan file and the tax returns schedule C verify Borrower's ownership in business, which meets the requirements for use of business assets. Condition cleared.; Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements All assets provided are solely in the name of the borrowers spouse. Borrower needs of XXX per post close CD and XXX mos. reserves of XXX based on XXX overlays. Provide proof that borrower is on this account or proof of his own funds for closing and reserves. Additional conditions apply. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2009 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | 02/17/2025 | Credit | Property Title Issue | Property Title Issue Provide Final title to show removal of XXX lien(doesn't appear to be borrowers and XXX lien in the name of the borrowers spouse. Additional conditions may apply. | TITLE | 02/20/2025 | Lender provided Title Commitment reflecting the XXX Lien and XXX Lien deleted from report. Condition cleared.; Property Title Issue Resolved; Property Title Issue Resolved; Property Title Issue Provide Final title to show removal of XXX lien(doesn't appear to be borrowers and XXX lien in the name of the borrowers spouse. Additional conditions may apply. | 02/21/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2009 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/17/2025 | Resolved | 02/17/2025 | 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 XXX 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. | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/08/2024 | Resolved | 07/08/2024 | Credit | Borrower Liabilities Verification Indicator is Partial | Missing proof of HOA or letter from borrower stating no HOA on the property at XXX. Additional conditions may apply. ; Audit reviewed Lenders response, however; Please provide documents verifying XXX sold. Condition remains.; Lender provided 1003 and XXX and indicated that the XXX for XXX was included in the DTI; however, the XXX reflects DTI of XXX% and the AUS approved DTI is XXX%. Provide updated AUS that includes the XXX for property XXX and approving DTI of XXX%. Condition retained.; Lender provided updated AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared. |  |  | Borrower liabilities verified indicator is Present | 07/19/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/08/2024 | Resolved | 07/08/2024 | Credit | HMDA Data Tape Not Provided | 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 XXX findings noted, condition cleared. |  |  | HMDA data tape provided. | 07/13/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/08/2024 | Resolved | 07/08/2024 | Property | Property located in XXX Declared XXX with no subsequent Property Inspection | XXX declared XXX a XXX(XXX) on XX/XX/XXXX, with an incident end date of XX/XX/XXXX. The appraisal in the file is dated XXX and shows no damage. The exception is for informational purposes only. ; Acknowledged - info only |  |  | Post Disaster Inspection provided | 07/09/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/08/2024 | Resolved | 07/08/2024 | Credit | AUS is Partial | Missing part of AUS that shows and confirms LTV/CLTV of XXX%. ; Lender provided all pages of AUS. Condition cleared. |  |  | The AUS is received. | 07/16/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/05/2024 | Resolved | 07/05/2024 | Credit | DTI Exceeds AUS Maximum Allowable | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) exceeds the maximum allowable per AUS of XXX; XX/XX/XXXX: Finding added due to updated documentation provided indicating property XXX was retained by Borrower XXX Provided updated AUS that includes the XXX for property XXX in the debt ratios and approving DTI of XXX%. ; Lender provided updated AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared. |  |  | The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX; The qualifying back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX The back-end DTI of XXX (Total Income of XXX Orig PITI of XXX Monthly debt of XXX) is not greater than the maximum allowable per AUS of XXX | 07/19/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/08/2024 | Resolved | 07/08/2024 | Compliance | Qualified Mortgage Lending Policy Points and Fees Test | This loan has points and fees that exceed the points and fees threshold. (XXX CFR XXX(e) XXX he loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which exceeds $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX. | Change status of 'Qualified Mortgage Lending Policy Points and Fees Test' from Cleared to Revoked.; Updated finding. | 07/10/2024 | This loan does not have points and fees that exceed the points and fees threshold. (XXX CFR XXX(e) XXX he loan amount is XXX or more, and the transaction's total points and fees is XXX which does not exceed XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which does not exceed $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which does not exceed XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX but at least XXX and the transaction's total points and fees is XXX which does not exceed $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which does not exceed XXX percent of the total loan amount of $XXX. | 07/12/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. D A C |
| OBX2025J2003 |  | XXX | XXXX | XX/XX/XXXX | $XXXX | XXX | Safe Harbor QM (APOR) | Loan Review Complete | 07/08/2024 | Resolved | 07/08/2024 | 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:"USPS First Class Mail" 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.; Initial CD issued at least XXX days prior to the consummation date is missing from the file. ; Lender provided the initial CD dated XX/XX/XXXX and evidence of delivery. Condition cleared. |  |  | This loan passed the initial closing disclosure delivery date test.[[XXX]] The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than 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 not 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 not 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 he creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (1) (i) no later than XXX business days before consummation. | 07/12/2024 | Borrower 1 has significant job time - Borrower has XXX years on job ; Borrower has stable job time - Borrower has XXX years at job. 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** |
| OBX2025J2006 |  |  | $XXXX C B A |
| OBX2025J2007 |  |  | $XXXX D A |
| OBX2025J2012 |  |  | $XXXX D A B |
| OBX2025J2010 |  |  | $XXXX C D A |
| OBX2025J2011 |  |  | $XXXX C D A |
| OBX2025J2013 |  |  | $XXXX D A |
| OBX2025J2021 |  |  | $XXXX C A |
| OBX2025J2023 |  |  | $XXXX C B A |
| OBX2025J2039 |  |  | $XXXX C A |
| OBX2025J2022 |  |  | $XXXX C A |
| OBX2025J2016 |  |  | $XXXX C A |
| OBX2025J2034 |  |  | $XXXX C A |
| OBX2025J2019 |  |  | $XXXX C A |
| OBX2025J2038 |  |  | $XXXX C A |
| OBX2025J2035 |  |  | $XXXX C A |
| OBX2025J2031 |  |  | $XXXX C A |
| OBX2025J2045 |  |  | $XXXX D A |
| OBX2025J2033 |  |  | $XXXX C A |
| OBX2025J2020 |  |  | $XXXX C A |
| OBX2025J2024 |  |  | $XXXX C A |
| OBX2025J2027 |  |  | $XXXX C B A |
| OBX2025J2028 |  |  | $XXXX C A |
| OBX2025J2044 |  |  | $XXXX C A |
| OBX2025J2015 |  |  | $XXXX C A |
| OBX2025J2026 |  |  | $XXXX C A |
| OBX2025J2029 |  |  | $XXXX C A |
| OBX2025J2043 |  |  | $XXXX C A |
| OBX2025J2030 |  |  | $XXXX C A |
| OBX2025J2032 |  |  | $XXXX C A |
| OBX2025J2036 |  |  | $XXXX D A |
| OBX2025J2052 |  |  | $XXXX D A |
| OBX2025J2054 |  |  | $XXXX C A |
| OBX2025J2053 |  |  | $XXXX C A |
| OBX2025J2050 |  |  | $XXXX C A |
| OBX2025J2046 |  |  | $XXXX C A |
| OBX2025J2048 |  |  | $XXXX C A |
| OBX2025J2072 |  |  | $XXXX C A |
| OBX2025J2041 |  |  | $XXXX D A |
| OBX2025J2082 |  |  | $XXXX C A |
| OBX2025J2074 |  |  | $XXXX C B A |
| OBX2025J2065 |  |  | $XXXX C A |
| OBX2025J2056 |  |  | $XXXX C A |
| OBX2025J2075 |  |  | $XXXX C A |
| OBX2025J2077 |  |  | $XXXX C A |
| OBX2025J2084 |  |  | $XXXX C A |
| OBX2025J2098 |  |  | $XXXX C A B |
| OBX2025J2060 |  |  | $XXXX D A |
| OBX2025J2118 |  |  | $XXXX C A |
| OBX2025J2025 |  |  | $XXXX C A |
| OBX2025J2081 |  |  | $XXXX C A |
| OBX2025J2097 |  |  | $XXXX C A |
| OBX2025J2091 |  |  | $XXXX C A |
| OBX2025J2058 |  |  | $XXXX C A |
| OBX2025J2067 |  |  | $XXXX C A |
| OBX2025J2083 |  |  | $XXXX C A |
| OBX2025J2108 |  |  | $XXXX C A |
| OBX2025J2014 |  |  | $XXXX C A |
| OBX2025J2116 |  |  | $XXXX C A |
| OBX2025J2107 |  |  | $XXXX C A |
| OBX2025J2135 |  |  | $XXXX D A |
| OBX2025J2106 |  |  | $XXXX C A |
| OBX2025J2087 |  |  | $XXXX C A D |
| OBX2025J2076 |  |  | $XXXX D A |
| OBX2025J2064 |  |  | $XXXX C B A |
| OBX2025J2144 |  |  | $XXXX D A |
| OBX2025J2066 |  |  | $XXXX C A |
| OBX2025J2111 |  |  | $XXXX C A |
| OBX2025J2070 |  |  | $XXXX D A |
| OBX2025J2073 |  |  | $XXXX D A |
| OBX2025J2146 |  |  | $XXXX C B A |
| OBX2025J2125 |  |  | $XXXX C A |
| OBX2025J2080 |  |  | $XXXX C B A |
| OBX2025J2109 |  |  | $XXXX C A |
| OBX2025J2193 |  |  | $XXXX C A |
| OBX2025J2049 |  |  | $XXXX C A |
| OBX2025J2089 |  |  | $XXXX C A |
| OBX2025J2094 |  |  | $XXXX C B A |
| OBX2025J2078 |  |  | $XXXX C A |
| OBX2025J2110 |  |  | $XXXX C A |
| OBX2025J2100 |  |  | $XXXX C A |
| OBX2025J2127 |  |  | $XXXX C A |
| OBX2025J2128 |  |  | $XXXX C A B |
| OBX2025J2104 |  |  | $XXXX C A |
| OBX2025J2085 |  |  | $XXXX C B A |
| OBX2025J2142 |  |  | $XXXX C A |
| OBX2025J2117 |  |  | $XXXX C A |
| OBX2025J2095 |  |  | $XXXX C A |
| OBX2025J2093 |  |  | $XXXX C B A |
| OBX2025J2103 |  |  | $XXXX C A |
| OBX2025J2143 |  |  | $XXXX C A |
| OBX2025J2174 |  |  | $XXXX C A |
| OBX2025J2139 |  |  | $XXXX C A |
| OBX2025J2140 |  |  | $XXXX D A |
| OBX2025J2147 |  |  | $XXXX C A |
| OBX2025J2086 |  |  | $XXXX C A |
| OBX2025J2099 |  |  | $XXXX C A |
| OBX2025J2123 |  |  | $XXXX C A |
| OBX2025J2055 |  |  | $XXXX C B A |
| OBX2025J2212 |  |  | $XXXX C A |
| OBX2025J2149 |  |  | $XXXX C A |
| OBX2025J2136 |  |  | $XXXX C A |
| OBX2025J2115 |  |  | $XXXX D A |
| OBX2025J2218 |  |  | $XXXX C A |
| OBX2025J2037 |  |  | $XXXX D B A |
| OBX2025J2121 |  |  | $XXXX D B A |
| OBX2025J2158 |  |  | $XXXX C A |
| OBX2025J2051 |  |  | $XXXX C A |
| OBX2025J2153 |  |  | $XXXX C A |
| OBX2025J2202 |  |  | $XXXX D A |
| OBX2025J2101 |  |  | $XXXX C A D |
| OBX2025J2131 |  |  | $XXXX D A |
| OBX2025J2119 |  |  | $XXXX C A |
| OBX2025J2059 |  |  | $XXXX C A |
| OBX2025J2113 |  |  | $XXXX C A |
| OBX2025J2204 |  |  | $XXXX C A |
| OBX2025J2208 |  |  | $XXXX C A |
| OBX2025J2088 |  |  | $XXXX C A |
| OBX2025J2197 |  |  | $XXXX C A |
| OBX2025J2154 |  |  | $XXXX D C A |
| OBX2025J2062 |  |  | $XXXX C A |
| OBX2025J2137 |  |  | $XXXX C A |
| OBX2025J2063 |  |  | $XXXX C A |
| OBX2025J2250 |  |  | $XXXX D B A |
| OBX2025J2042 |  |  | $XXXX C A |
| OBX2025J2122 |  |  | $XXXX C A |
| OBX2025J2124 |  |  | $XXXX C A |
| OBX2025J2186 |  |  | $XXXX C A |
| OBX2025J2150 |  |  | $XXXX C A |
| OBX2025J2181 |  |  | $XXXX C A B |
| OBX2025J2161 |  |  | $XXXX C A |
| OBX2025J2168 |  |  | $XXXX C A |
| OBX2025J2155 |  |  | $XXXX D A |
| OBX2025J2057 |  |  | $XXXX D A |
| OBX2025J2071 |  |  | $XXXX C A |
| OBX2025J2179 |  |  | $XXXX C A |
| OBX2025J2172 |  |  | $XXXX D A |
| OBX2025J2198 |  |  | $XXXX C B A |
| OBX2025J2167 |  |  | $XXXX C A |
| OBX2025J2182 |  |  | $XXXX C A |
| OBX2025J2232 |  |  | $XXXX C A |
| OBX2025J2183 |  |  | $XXXX D A |
| OBX2025J2213 |  |  | $XXXX C A |
| OBX2025J2214 |  |  | $XXXX C A |
| OBX2025J2220 |  |  | $XXXX C A |
| OBX2025J2210 |  |  | $XXXX D A |
| OBX2025J2166 |  |  | $XXXX D A |
| OBX2025J2134 |  |  | $XXXX C A |
| OBX2025J2145 |  |  | $XXXX C A |
| OBX2025J2221 |  |  | $XXXX C A |
| OBX2025J2188 |  |  | $XXXX C A |
| OBX2025J2141 |  |  | $XXXX C A |
| OBX2025J2132 |  |  | $XXXX C A |
| OBX2025J2090 |  |  | $XXXX D A |
| OBX2025J2180 |  |  | $XXXX C A |
| OBX2025J2152 |  |  | $XXXX C A |
| OBX2025J2160 |  |  | $XXXX C A |
| OBX2025J2201 |  |  | $XXXX D A |
| OBX2025J2185 |  |  | $XXXX C D A |
| OBX2025J2171 |  |  | $XXXX C A |
| OBX2025J2138 |  |  | $XXXX C A |
| OBX2025J2148 |  |  | $XXXX C A |
| OBX2025J2191 |  |  | $XXXX C A B |
| OBX2025J2069 |  |  | $XXXX C A |
| OBX2025J2209 |  |  | $XXXX C A |
| OBX2025J2231 |  |  | $XXXX C A |
| OBX2025J2236 |  |  | $XXXX C A |
| OBX2025J2173 |  |  | $XXXX C A |
| OBX2025J2199 |  |  | $XXXX C A |
| OBX2025J2224 |  |  | $XXXX C A |
| OBX2025J2217 |  |  | $XXXX C A |
| OBX2025J2177 |  |  | $XXXX C A |
| OBX2025J2156 |  |  | $XXXX C A |
| OBX2025J2129 |  |  | $XXXX C A |
| OBX2025J2151 |  |  | $XXXX C A |
| OBX2025J2159 |  |  | $XXXX C A |
| OBX2025J2102 |  |  | $XXXX C A |
| OBX2025J2189 |  |  | $XXXX C A |
| OBX2025J2164 |  |  | $XXXX C A |
| OBX2025J2228 |  |  | $XXXX C A |
| OBX2025J2196 |  |  | $XXXX C A |
| OBX2025J2190 |  |  | $XXXX C A |
| OBX2025J2229 |  |  | $XXXX C A |
| OBX2025J2195 |  |  | $XXXX C A |
| OBX2025J2211 |  |  | $XXXX C A |
| OBX2025J2216 |  |  | $XXXX C A |
| OBX2025J2234 |  |  | $XXXX C A D |
| OBX2025J2176 |  |  | $XXXX C A |
| OBX2025J2200 |  |  | $XXXX D A |
| OBX2025J2239 |  |  | $XXXX C A |
| OBX2025J2235 |  |  | $XXXX C A |
| OBX2025J2233 |  |  | $XXXX C A |
| OBX2025J2237 |  |  | $XXXX D B A |
| OBX2025J2203 |  |  | $XXXX C A |
| OBX2025J2061 |  |  | $XXXX D A |
| OBX2025J2175 |  |  | $XXXX C A |
| OBX2025J2192 |  |  | $XXXX C A |
| OBX2025J2187 |  |  | $XXXX C A |
| OBX2025J2194 |  |  | $XXXX C A |
| OBX2025J2226 |  |  | $XXXX C A |
| OBX2025J2219 |  |  | $XXXX C A |
| OBX2025J2241 |  |  | $XXXX C B A |
| OBX2025J2178 |  |  | $XXXX C A |
| OBX2025J2227 |  |  | $XXXX C B A |
| OBX2025J2240 |  |  | $XXXX C B A |
| OBX2025J2246 |  |  | $XXXX C B A |
| OBX2025J2242 |  |  | $XXXX C A |
| OBX2025J2126 |  |  | $XXXX D A |
| OBX2025J2223 |  |  | $XXXX C A |
| OBX2025J2096 |  |  | $XXXX C A |
| OBX2025J2238 |  |  | $XXXX C B A |
| OBX2025J2245 |  |  | $XXXX C A |
| OBX2025J2225 |  |  | $XXXX C B A |
| OBX2025J2253 |  |  | $XXXX D A C |
| OBX2025J2222 |  |  | $XXXX C A |
| OBX2025J2243 |  |  | $XXXX C A |
| OBX2025J2009 |  |  | $XXXX C A |
| OBX2025J2003 |  |  | $XXXX D C 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** |
| OBX2025J2006 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2007 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J2012 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 22.38 | 22.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2025J2010 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.83 | 79.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| OBX2025J2011 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J2013 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2025J2021 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.58 | 75.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J2023 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2039 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.72 | 78.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 1 |  |
| OBX2025J2022 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.85 | 79.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2025J2016 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J2034 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.91 | 79.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2025J2019 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2038 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| OBX2025J2035 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2031 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.64 | 72.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J2045 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.14 | 57.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2025J2033 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.02 | 79.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2020 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.88 | 61.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2025J2024 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.38 | 68.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2025J2027 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.14 | 45.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| OBX2025J2028 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.2 | 59.2 |  |  |  |  |  |  |  |  | $XXX | $XXX | 9.33% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2025J2044 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.83 | 73.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2015 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| OBX2025J2026 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J2029 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.67 | 57.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| OBX2025J2043 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2030 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.4 | 63.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2025J2032 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.22% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J2036 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J2052 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.4 | 60.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J2054 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -10.76% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J2053 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.91 | 64.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2050 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.38 | 52.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2025J2046 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.13 | 78.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J2048 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.08 | 79.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J2072 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J2041 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.43 | 63.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J2082 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.37 | 47.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J2074 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -8.03% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2025J2065 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.07 | 74.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J2056 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2075 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2025J2077 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J2084 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J2098 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J2060 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2118 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.59 | 69.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| OBX2025J2025 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 68.43 | 68.43 |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J2081 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.67 | 46.67 |  |  |  |  |  |  |  |  | $XXX | $XXX | 13.93% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| OBX2025J2097 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J2091 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2025J2058 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.52 |  |
| OBX2025J2067 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2083 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| OBX2025J2108 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.62 | 62.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J2014 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| OBX2025J2116 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2107 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J2135 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.69 | 70.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J2106 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| OBX2025J2087 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2025J2076 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.66 | 54.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2025J2064 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.4 | 52.4 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.96% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2144 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J2066 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.68 | 79.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J2111 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J2070 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2073 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| OBX2025J2146 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.02 | 51.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2025J2125 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| OBX2025J2080 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2109 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2025J2193 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.22 | 66.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J2049 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 78.85 | 78.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2025J2089 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| OBX2025J2094 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.43 | 71.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| OBX2025J2078 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J2110 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| OBX2025J2100 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2025J2127 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXX | $XXX | 3.85% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J2128 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.99 | 51.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| OBX2025J2104 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.63 | 77.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J2085 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J2142 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.23 | 71.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| OBX2025J2117 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| OBX2025J2095 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2025J2093 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.18 | 62.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J2103 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.83 | 64.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| OBX2025J2143 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.21 | 79.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.7 |  |
| OBX2025J2174 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| OBX2025J2139 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.52 | 56.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| OBX2025J2140 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J2147 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.08 | 62.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2086 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2025J2099 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.76 | 61.76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| OBX2025J2123 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| OBX2025J2055 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| OBX2025J2212 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| OBX2025J2149 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J2136 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55 | 55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2115 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -7.41% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| OBX2025J2218 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| OBX2025J2037 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.39 | 47.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J2121 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| OBX2025J2158 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -9.94% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.6 |  |
| OBX2025J2051 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.69 | 50.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| OBX2025J2153 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| OBX2025J2202 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2025J2101 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.97 | 54.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.53% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2025J2131 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2119 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| OBX2025J2059 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.97 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2113 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.26% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2025J2204 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| OBX2025J2208 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J2088 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2197 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2154 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.34% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 1.33% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.9 |  |
| OBX2025J2062 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.67 | 66.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2137 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2063 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.75 | 68.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2250 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| OBX2025J2042 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J2122 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2124 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.75 | 71.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2025J2186 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2025J2150 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.66 | 76.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J2181 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.08% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2025J2161 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| OBX2025J2168 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| OBX2025J2155 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J2057 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.28 | 68.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2025J2071 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2179 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 72.43 | 72.43 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| OBX2025J2172 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| OBX2025J2198 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| OBX2025J2167 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J2182 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2232 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.5 | 76.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2025J2183 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2025J2213 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J2214 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.29 | 79.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2025J2220 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2210 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51 | 51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| OBX2025J2166 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2134 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2025J2145 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2025J2221 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.58 | 52.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2025J2188 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2025J2141 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2132 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2090 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J2180 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.69 | 79.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2152 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76 | 76 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.79% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J2160 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65 | 65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2025J2201 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2185 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.5 | 73.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2025J2171 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J2138 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.73 | 72.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2025J2148 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.51 | 79.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2025J2191 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| OBX2025J2069 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2209 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2231 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2025J2236 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| OBX2025J2173 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2025J2199 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.83 | 70.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2224 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2217 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| OBX2025J2177 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2025J2156 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| OBX2025J2129 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.2 | 73.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J2151 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2159 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 61 | 61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2025J2102 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2025J2189 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| OBX2025J2164 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2025J2228 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J2196 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 38 | 38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.40% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J2190 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2025J2229 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2195 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2025J2211 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2216 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2025J2234 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.50% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J2176 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J2200 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2025J2239 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.93 | 63.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| OBX2025J2235 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| OBX2025J2233 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.17 | 52.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| OBX2025J2237 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J2203 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2025J2061 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| OBX2025J2175 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX |  | 1004 URAR | $XXX | 48.92 | 48.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.37% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2192 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2025J2187 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.52 | 58.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2194 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.86 | 76.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.71% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2025J2226 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2025J2219 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| OBX2025J2241 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 2.7 |  |
| OBX2025J2178 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52 | 52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| OBX2025J2227 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70 | 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| OBX2025J2240 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.82 | 79.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J2246 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.92 | 76.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| OBX2025J2242 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2025J2126 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.18 | 43.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2025J2223 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2025J2096 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2025J2238 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2025J2245 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75 | 75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2225 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| OBX2025J2253 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.69 | 57.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2025J2222 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2025J2243 | XXXX |  | XX/XX/XXXX | $XXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.53 | 69.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2025J2009 | XXXX |  | XX/XX/XXXX | $XXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68 | 68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| OBX2025J2003 | XXXX |  |  | $XXXX | $XXXX |  | $XXXX | XX/XX/XXXX | 1004 URAR | $XXX | 80% | 80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## 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** |
| OBX2025J2006 | 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 |
| OBX2025J2007 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2012 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2010 | 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 |
| OBX2025J2011 | 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 |
| OBX2025J2013 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2021 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.8 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2023 | 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 |
| OBX2025J2039 | 2 | Yes | DU | No | No |  | Yes | No | No | No | No | Yes | 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 |
| OBX2025J2022 | 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) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2016 | 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 |
| OBX2025J2034 | 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) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2019 | 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) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2038 | 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 | Personal | No |
| OBX2025J2035 | 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 |
| OBX2025J2031 | 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) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2045 | 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) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2033 | 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 |
| OBX2025J2020 | 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 |
| OBX2025J2024 | 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) | 3.5 |  | Yes | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J2027 | 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) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2028 | 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 |
| OBX2025J2044 | 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 | Personal | No |
| OBX2025J2015 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2026 | 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) | 4.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2029 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2043 | 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 |
| OBX2025J2030 | 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) | 2.4 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2032 | 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) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2036 | 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 |
| OBX2025J2052 | 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) | 4.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2054 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2053 | 1 | Yes | DU | No | Yes | XXX | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2050 | 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 |
| OBX2025J2046 | 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 |
| OBX2025J2048 | 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) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2072 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | Yes | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J2041 | 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) |  |  | Yes | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J2082 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2074 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2065 | 1 | Yes | DU | No | Yes | XXX | 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 |
| OBX2025J2056 | 1 | Yes | LPA | 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 |
| OBX2025J2075 | 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 |
| OBX2025J2077 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2084 | 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) | 4.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2098 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2060 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2118 | 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) | 4.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2025 | 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) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2081 | 1 | Yes | DU | No | Yes | XXX | 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 |
| OBX2025J2097 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2091 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2058 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2067 | 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 |
| OBX2025J2083 | 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) | 4.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2108 | 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 |
| OBX2025J2014 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2116 | 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 |  | No |
| OBX2025J2107 | 1 | Yes | DU | No | No |  | 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 |
| OBX2025J2135 | 1 | Yes | DU | 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 |
| OBX2025J2106 | 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 |
| OBX2025J2087 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2076 | 3 | Yes | LPA | 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) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2064 | 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 |
| OBX2025J2144 | 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 |
| OBX2025J2066 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2111 | 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) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2070 | 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 |
| OBX2025J2073 | 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 |
| OBX2025J2146 | 1 | Yes | LPA | 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 |
| OBX2025J2125 | 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 |
| OBX2025J2080 | 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 |
| OBX2025J2109 | 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 |
| OBX2025J2193 | 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 |
| OBX2025J2049 | 1 | Yes | DU | No | Yes | XXX | Yes | No | 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 |
| OBX2025J2089 | 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 |
| OBX2025J2094 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2078 | 1 | Yes | LPA | No | Yes | XXX | 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 |
| OBX2025J2110 | 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) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2100 | 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) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2127 | 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 |  | No |
| OBX2025J2128 | 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) | 3.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2104 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | No | Yes | 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 |
| OBX2025J2085 | 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 |
| OBX2025J2142 | 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) | 1.6 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2117 | 2 | Yes | DU | No | No |  | 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 |
| OBX2025J2095 | 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) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2093 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2103 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2143 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2174 | 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) | 3.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2139 | 1 | Yes | DU | No | Yes | XXX | 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 |
| OBX2025J2140 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2147 | 2 | Yes | DU | Yes | 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 |
| OBX2025J2086 | 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) | 2.2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2099 | 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) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2123 | 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) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2055 | 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) | 3.8 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2212 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2149 | 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) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2136 | 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 |
| OBX2025J2115 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Retired |  |  | Yes | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2218 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2037 | 1 | Yes | DU | No | Yes | XXX | 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 |
| OBX2025J2121 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Not Employed |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2158 | 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) | 4.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2051 | 1 | Yes | LPA | No | No |  | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2153 | 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) | 4.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2202 | 1 | Yes | DU | 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 |
| OBX2025J2101 | 3 | Yes | DU | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2131 | 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 |
| OBX2025J2119 | 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 |
| OBX2025J2059 | 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) | 2.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2113 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | No | Yes | 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 |
| OBX2025J2204 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J2208 | 1 | Yes | DU | No | Yes | XXX | No | No | Yes | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2088 | 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 |
| OBX2025J2197 | 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) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2154 | 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) | 4.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2062 | 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 | Personal | No |
| OBX2025J2137 | 1 | Yes | LPA | 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 |
| OBX2025J2063 | 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 |
| OBX2025J2250 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2042 | 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) | 5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2122 | 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 |
| OBX2025J2124 | 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 |
| OBX2025J2186 | 2 | Yes | DU | No | No |  | No | Yes | 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 |
| OBX2025J2150 | 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) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2181 | 1 | Yes | DU | 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 |
| OBX2025J2161 | 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) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2168 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2155 | 2 | Yes | DU | No | Yes | XXX | 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 |  | No |
| OBX2025J2057 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2071 | 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 |
| OBX2025J2179 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2172 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2198 | 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) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2167 | 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 |
| OBX2025J2182 | 1 | Yes | DU | No | No |  | 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 |
| OBX2025J2232 | 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 |
| OBX2025J2183 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2213 | 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) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2214 | 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) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2220 | 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 |
| OBX2025J2210 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2166 | 1 | Yes | LPA | Yes | 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 |
| OBX2025J2134 | 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 |  | No |
| OBX2025J2145 | 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) | 2.8 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2221 | 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) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2188 | 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) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2141 | 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 |
| OBX2025J2132 | 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 |
| OBX2025J2090 | 1 | Yes | DU | No | No |  | 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 |
| OBX2025J2180 | 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 |
| OBX2025J2152 | 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) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2160 | 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 |
| OBX2025J2201 | 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 |
| OBX2025J2185 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2171 | 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 |
| OBX2025J2138 | 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 |
| OBX2025J2148 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2191 | 3 | Yes | LPA | No | 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) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2069 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2209 | 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 |
| OBX2025J2231 | 1 | Yes | DU | No | Yes | XXX | 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 |
| OBX2025J2236 | 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) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2173 | 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) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2199 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2224 | 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 |
| OBX2025J2217 | 1 | Yes | DU | Yes | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2177 | 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 |  | No |
| OBX2025J2156 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2129 | 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 |
| OBX2025J2151 | 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 |
| OBX2025J2159 | 1 | Yes | DU | Yes | Yes | XXX | 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 |
| OBX2025J2102 | 1 | Yes | DU | No | Yes | XXX | 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 |
| OBX2025J2189 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2164 | 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 |
| OBX2025J2228 | 1 | Yes | LPA | No | Yes | XXX | 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 |
| OBX2025J2196 | 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) |  |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2025J2190 | 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) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2229 | 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 |
| OBX2025J2195 | 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) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2211 | 1 | Yes | DU | No | Yes | XXX | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2216 | 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) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2234 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2176 | 1 | Yes | DU | Yes | 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 |
| OBX2025J2200 | 1 | Yes | DU | Yes | 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 |
| OBX2025J2239 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2235 | 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 |
| OBX2025J2233 | 1 | Yes | DU | No | No |  | 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 |
| OBX2025J2237 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2203 | 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) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2061 | 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 |
| OBX2025J2175 | 1 | Yes | DU | Yes | 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 |
| OBX2025J2192 | 1 | Yes | DU | Yes | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2187 | 1 | Yes | LPA | No | No |  | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2194 | 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) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2226 | 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) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2219 | 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) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2241 | 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) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2178 | 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 |
| OBX2025J2227 | 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 |
| OBX2025J2240 | 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 |
| OBX2025J2246 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2242 | 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) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2126 | 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 |
| OBX2025J2223 | 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 |
| OBX2025J2096 | 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 |
| OBX2025J2238 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2245 | 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) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2225 | 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 |
| OBX2025J2253 | 1 | Yes | DU | 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 |
| OBX2025J2222 | 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 |
| OBX2025J2243 | 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 |
| OBX2025J2003 | 4 | Yes | LP | No | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Employed | Employed | Retired/SSI | Retired/SSI | No | No | Yes | Yes | Safe Harbor QM (APOR) | 3.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2025J2009 | 1 | Yes | DU | No | 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 |

---

## 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** |
| OBX2025J2006 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1360 | 7.403 | $XXX | Employed |  | No |  |
| OBX2025J2007 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22195 | 7.611 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2012 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8088.1 | 6.614 | $XXX | Employed |  | No |  |
| OBX2025J2010 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.891 | $XXX | Employed | Employed | No | No |
| OBX2025J2011 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 7.148 | $XXX | Employed | Employed | No | No |
| OBX2025J2013 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8762.27 | 6.453 | $XXX | Employed | Employed | No | No |
| OBX2025J2021 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11781 | 7.223 | $XXX | Employed |  | No |  |
| OBX2025J2023 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17802.5 | 7.062 | $XXX | Employed |  | No |  |
| OBX2025J2039 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194.99 | 6.632 | $XXX | Employed | Employed | No | No |
| OBX2025J2022 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9691.45 | 6.625 | $XXX | Employed | Employed | No | No |
| OBX2025J2016 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.782 | $XXX | Employed | Employed | No | No |
| OBX2025J2034 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17551.25 | 6.464 | $XXX | Employed | Employed | No | No |
| OBX2025J2019 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9999.36 | 6.591 | $XXX | Employed | Employed | No | No |
| OBX2025J2038 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2385 | 6.41 | $XXX | Employed | Employed | No | No |
| OBX2025J2035 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13599.9 | 7.046 | $XXX | Employed |  | No |  |
| OBX2025J2031 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2840 | 7.035 | $XXX | Employed | Employed | No | No |
| OBX2025J2045 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9595 | 6.708 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2033 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.651 | $XXX | Employed |  | No |  |
| OBX2025J2020 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11195 | 6.512 | $XXX | Employed |  | No |  |
| OBX2025J2024 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11221 | 6.695 | $XXX | Employed | Employed | No | No |
| OBX2025J2027 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6036.94 | 6.305 | $XXX | Employed | Employed | No | No |
| OBX2025J2028 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11193.88 | 6.305 | $XXX | Employed |  | No |  |
| OBX2025J2044 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3917 | 6.793 | $XXX | Employed | Employed | No | No |
| OBX2025J2015 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.68 | 6.31 | $XXX | Employed | Employed | No | No |
| OBX2025J2026 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194 | 6.692 | $XXX | Employed | Employed | No | No |
| OBX2025J2029 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5104.38 | 6.539 | $XXX | Employed |  | No |  |
| OBX2025J2043 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5947 | 7.044 | $XXX | Employed |  | No |  |
| OBX2025J2030 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 995 | 6.384 | $XXX | Employed | Employed | No | No |
| OBX2025J2032 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11202 | 6.689 | $XXX | Employed | Employed | No | No |
| OBX2025J2036 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194.92 | 7.003 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2052 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16445 | 6.986 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2054 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12193.5 | 7.465 | $XXX | Employed | Employed | No | No |
| OBX2025J2053 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22007.5 | 7.391 | $XXX | Employed |  | No |  |
| OBX2025J2050 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8911.5 | 6.585 | $XXX | Employed | Employed | No | No |
| OBX2025J2046 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5186.25 | 6.919 | $XXX | Employed |  | No |  |
| OBX2025J2048 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5686.59 | 6.576 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2072 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.522 | $XXX | Employed |  | No |  |
| OBX2025J2041 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20742 | 6.657 | $XXX | Employed | Employed | No | No |
| OBX2025J2082 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18070 | 7.192 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2074 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12727.92 | 6.503 | $XXX | Employed |  | No |  |
| OBX2025J2065 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9745 | 6.74 | $XXX | Employed |  | No |  |
| OBX2025J2056 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20894.25 | 6.851 | $XXX | Employed |  | No |  |
| OBX2025J2075 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2841 | 7.432 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2077 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.753 | $XXX | Employed |  | No |  |
| OBX2025J2084 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11185 | 6.71 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2098 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1925.25 | 7.141 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2060 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 995 | 6.265 | $XXX | Not Employed |  | No |  |
| OBX2025J2118 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.895 | $XXX | Employed | Employed | No | No |
| OBX2025J2025 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2940 | 6.641 | $XXX | Employed | Employed | No | No |
| OBX2025J2081 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 50815 | 7.399 | $XXX | Employed |  | No |  |
| OBX2025J2097 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2083 | 7.412 | $XXX | Employed |  | No |  |
| OBX2025J2091 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4999.86 | 6.582 | $XXX | Employed |  | No |  |
| OBX2025J2058 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5574.6 | 6.408 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2067 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.776 | $XXX | Employed |  | No |  |
| OBX2025J2083 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6442.4 | 6.814 | $XXX | Employed | Employed | No | No |
| OBX2025J2108 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1295 | 7.163 | $XXX | Employed | Employed | No | No |
| OBX2025J2014 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 29999.2 | 7.608 | $XXX | Employed |  | No |  |
| OBX2025J2116 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.643 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2107 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1608 | 6.901 | $XXX | Employed |  | No |  |
| OBX2025J2135 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6433.69 | 7.425 | $XXX | Employed |  | No |  |
| OBX2025J2106 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10666.75 | 7.277 | $XXX | Employed | Employed | No | No |
| OBX2025J2087 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 24874 | 6.412 | $XXX | Employed | Employed | No | No |
| OBX2025J2076 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194.47 | 6.452 | $XXX | Employed | Retired | No | No |
| OBX2025J2064 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2145 | 6.528 | $XXX | Employed | Employed | No | No |
| OBX2025J2144 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15165.74 | 6.61 | $XXX | Employed |  | No |  |
| OBX2025J2066 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11033.59 | 6.877 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2111 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.516 | $XXX | Employed | Employed | No | No |
| OBX2025J2070 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15259.96 | 6.488 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2073 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11156.41 | 6.969 | $XXX | Employed |  | No |  |
| OBX2025J2146 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.764 | $XXX | Retired |  | No |  |
| OBX2025J2125 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.896 | $XXX | Employed |  | No |  |
| OBX2025J2080 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11180.2 | 6.723 | $XXX | Employed |  | No |  |
| OBX2025J2109 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23107.8 | 7.486 | $XXX | Employed | Employed | No | No |
| OBX2025J2193 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15895 | 7.049 | $XXX | Employed |  | No |  |
| OBX2025J2049 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 28519.41 | 7.029 | $XXX | Employed |  | No |  |
| OBX2025J2089 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6252.5 | 6.795 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2094 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26570 | 6.759 | $XXX | Employed |  | No |  |
| OBX2025J2078 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12236.98 | 6.361 | $XXX | Employed |  | No |  |
| OBX2025J2110 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14329.36 | 6.427 | $XXX | Employed | Employed | No | No |
| OBX2025J2100 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.641 | $XXX | Employed | Employed | No | No |
| OBX2025J2127 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.656 | $XXX | Employed | Employed | No | No |
| OBX2025J2128 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.896 | $XXX | Employed | Employed | No | No |
| OBX2025J2104 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1600 | 6.906 | $XXX | Employed | Employed | No | No |
| OBX2025J2085 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1995 | 6.782 | $XXX | Employed |  | No |  |
| OBX2025J2142 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.651 | $XXX | Employed | Employed | No | No |
| OBX2025J2117 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2385 | 7.306 | $XXX | Retired | Retired | No | No |
| OBX2025J2095 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4784 | 6.558 | $XXX | Employed | Employed | No | No |
| OBX2025J2093 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14361.9 | 6.414 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2103 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.901 | $XXX | Employed |  | No |  |
| OBX2025J2143 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20455 | 7.034 | $XXX | Employed |  | No |  |
| OBX2025J2174 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10776.94 | 6.828 | $XXX | Employed | Employed | No | No |
| OBX2025J2139 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4999.8 | 6.551 | $XXX | Employed |  | No |  |
| OBX2025J2140 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12885.62 | 7.026 | $XXX | Employed | Employed | No | No |
| OBX2025J2147 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4926.07 | 6.96 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2086 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11090 | 7.071 | $XXX | Employed | Employed | No | No |
| OBX2025J2099 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11195.2 | 6.607 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2123 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.758 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2055 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4957.28 | 6.311 | $XXX | Employed | Employed | No | No |
| OBX2025J2212 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 42981.04 | 6.703 | $XXX | Employed |  | No |  |
| OBX2025J2149 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 19032.6 | 7.413 | $XXX | Employed | Employed | No | No |
| OBX2025J2136 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9679.4 | 6.556 | $XXX | Employed | Employed | No | No |
| OBX2025J2115 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15119.15 | 7.127 | $XXX | Retired | Retired | No | No |
| OBX2025J2218 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 24200 | 6.795 | $XXX | Employed |  | No |  |
| OBX2025J2037 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4372.96 | 6.788 | $XXX | Employed |  | No |  |
| OBX2025J2121 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3290 | 7.418 | $XXX | Retired | Not Employed | No | No |
| OBX2025J2158 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 7.052 | $XXX | Employed | Employed | No | No |
| OBX2025J2051 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9870 | 7.11 | $XXX | Employed |  | No |  |
| OBX2025J2153 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2525 | 6.911 | $XXX | Employed | Employed | No | No |
| OBX2025J2202 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.881 | $XXX | Employed |  | No |  |
| OBX2025J2101 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1565 | 6.784 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2131 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6933.74 | 6.563 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2119 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2190 | 7.163 | $XXX | Employed | Employed | No | No |
| OBX2025J2059 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15161.02 | 6.406 | $XXX | Employed | Employed | No | No |
| OBX2025J2113 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6195.27 | 7.075 | $XXX | Employed | Employed | No | No |
| OBX2025J2204 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8144.75 | 6.93 | $XXX | Employed |  | No |  |
| OBX2025J2208 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9850.8 | 6.718 | $XXX | Employed |  | No |  |
| OBX2025J2088 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.651 | $XXX | Employed | Employed | No | No |
| OBX2025J2197 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4355 | 6.662 | $XXX | Employed | Employed | No | No |
| OBX2025J2154 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8938.33 | 6.925 | $XXX | Employed | Employed | No | No |
| OBX2025J2062 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15000 | 7.004 | $XXX | Employed | Employed | No | No |
| OBX2025J2137 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.63 | 7.182 | $XXX | Employed |  | No |  |
| OBX2025J2063 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12195 | 6.618 | $XXX | Employed | Employed | No | No |
| OBX2025J2250 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9500.6 | 6.847 | $XXX | Employed |  | No |  |
| OBX2025J2042 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 24311.08 | 6.881 | $XXX | Employed | Employed | No | No |
| OBX2025J2122 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.68 | 6.534 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2124 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.807 | $XXX | Employed | Employed | No | No |
| OBX2025J2186 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.641 | $XXX | Employed | Employed | No | No |
| OBX2025J2150 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22181 | 7.097 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2181 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.395 | $XXX | Employed |  | No |  |
| OBX2025J2161 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.777 | $XXX | Employed | Employed | No | No |
| OBX2025J2168 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9595 | 6.975 | $XXX | Employed | Employed | No | No |
| OBX2025J2155 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17668.75 | 7.238 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2057 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.522 | $XXX | Employed |  | No |  |
| OBX2025J2071 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13730.8 | 7.03 | $XXX | Employed |  | No |  |
| OBX2025J2179 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4993.55 | 6.813 | $XXX | Employed |  | No |  |
| OBX2025J2172 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 29966.16 | 6.432 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2198 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17995 | 6.83 | $XXX | Employed | Employed | No | No |
| OBX2025J2167 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.775 | $XXX | Employed |  | No |  |
| OBX2025J2182 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11195.27 | 7.003 | $XXX | Employed |  | No |  |
| OBX2025J2232 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3535 | 6.504 | $XXX | Employed |  | No |  |
| OBX2025J2183 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.8 | $XXX | Employed | Employed | No | No |
| OBX2025J2213 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 7.143 | $XXX | Employed | Employed | No | No |
| OBX2025J2214 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 7.275 | $XXX | Employed | Employed | No | No |
| OBX2025J2220 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14564.38 | 7.016 | $XXX | Employed |  | No |  |
| OBX2025J2210 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15094.06 | 6.555 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2166 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2445 | 7.056 | $XXX | Employed |  | No |  |
| OBX2025J2134 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18136.28 | 7.406 | $XXX | Employed |  | No |  |
| OBX2025J2145 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17195.61 | 7.319 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2221 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13195 | 7.017 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2188 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.79 | $XXX | Employed | Employed | No | No |
| OBX2025J2141 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 7.154 | $XXX | Employed |  | No |  |
| OBX2025J2132 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.524 | $XXX | Employed | Employed | No | No |
| OBX2025J2090 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21195 | 7.298 | $XXX | Employed |  | No |  |
| OBX2025J2180 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11000 | 6.597 | $XXX | Employed | Employed | No | No |
| OBX2025J2152 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3115 | 6.924 | $XXX | Employed | Employed | No | No |
| OBX2025J2160 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 7.064 | $XXX | Employed | Employed | No | No |
| OBX2025J2201 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11195 | 6.895 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2185 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21968.5 | 7.015 | $XXX | Employed |  | No |  |
| OBX2025J2171 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.78 | $XXX | Employed | Employed | No | No |
| OBX2025J2138 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.768 | $XXX | Employed | Employed | No | No |
| OBX2025J2148 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14801 | 7.084 | $XXX | Employed |  | No |  |
| OBX2025J2191 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.88 | $XXX | Employed | Employed | No | No |
| OBX2025J2069 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 768.18 | 6.786 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2209 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11870.35 | 7.008 | $XXX | Employed | Employed | No | No |
| OBX2025J2231 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3847.25 | 7.196 | $XXX | Employed |  | No |  |
| OBX2025J2236 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5613.4 | 6.932 | $XXX | Employed | Employed | No | No |
| OBX2025J2173 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.898 | $XXX | Employed | Employed | No | No |
| OBX2025J2199 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17397.8 | 6.476 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2224 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21195.08 | 7.157 | $XXX | Employed | Employed | No | No |
| OBX2025J2217 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2535.75 | 7.048 | $XXX | Employed |  | No |  |
| OBX2025J2177 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8433.75 | 6.477 | $XXX | Employed | Employed | No | No |
| OBX2025J2156 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9999.6 | 6.988 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2129 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.517 | $XXX | Employed | Employed | No | No |
| OBX2025J2151 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.899 | $XXX | Employed | Employed | No | No |
| OBX2025J2159 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.783 | $XXX | Employed |  | No |  |
| OBX2025J2102 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7920 | 7.096 | $XXX | Employed |  | No |  |
| OBX2025J2189 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5749 | 6.565 | $XXX | Employed |  | No |  |
| OBX2025J2164 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11194.63 | 6.717 | $XXX | Employed | Employed | No | No |
| OBX2025J2228 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9818.17 | 6.928 | $XXX | Employed |  | No |  |
| OBX2025J2196 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10000 | 6.884 | $XXX | Employed | Employed | No | No |
| OBX2025J2190 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 7.277 | $XXX | Employed | Employed | No | No |
| OBX2025J2229 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16826.53 | 7.16 | $XXX | Employed |  | No |  |
| OBX2025J2195 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11145 | 7.017 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2211 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5000.02 | 6.815 | $XXX | Employed |  | No |  |
| OBX2025J2216 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3799.12 | 7.068 | $XXX | Employed | Employed | No | No |
| OBX2025J2234 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 39625.1 | 7.079 | $XXX | Employed | Employed | No | No |
| OBX2025J2176 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10000.32 | 7.008 | $XXX | Employed |  | No |  |
| OBX2025J2200 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3693.52 | 6.821 | $XXX | Employed |  | No |  |
| OBX2025J2239 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1440 | 6.894 | $XXX | Employed |  | No |  |
| OBX2025J2235 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15195 | 7.029 | $XXX | Employed | Employed | No | No |
| OBX2025J2233 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.659 | $XXX | Employed |  | No |  |
| OBX2025J2237 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.52 | $XXX | Employed | Employed | No | No |
| OBX2025J2203 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1570 | 7.028 | $XXX | Employed | Employed | No | No |
| OBX2025J2061 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5465 | 6.536 | $XXX | Employed |  | No |  |
| OBX2025J2175 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.906 | $XXX | Employed |  | No |  |
| OBX2025J2192 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.78 | $XXX | Employed |  | No |  |
| OBX2025J2187 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.774 | $XXX | Employed |  | No |  |
| OBX2025J2194 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4666.25 | 6.803 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2226 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.907 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2219 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 30904 | 6.656 | $XXX | Employed | Employed | No | No |
| OBX2025J2241 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3957.5 | 6.807 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2178 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.887 | $XXX | Employed |  | No |  |
| OBX2025J2227 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.652 | $XXX | Employed | Not Employed | No | No |
| OBX2025J2240 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15040 | 6.978 | $XXX | Employed | Employed | No | No |
| OBX2025J2246 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1295 | 7.008 | $XXX | Employed | Employed | No | No |
| OBX2025J2242 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.522 | $XXX | Employed | Employed | No | No |
| OBX2025J2126 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2060.25 | 6.78 | $XXX | Employed |  | No |  |
| OBX2025J2223 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2590 | 6.791 | $XXX | Employed | Employed | No | No |
| OBX2025J2096 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 720.25 | 6.636 | $XXX | Employed | Employed | No | No |
| OBX2025J2238 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1672 | 6.904 | $XXX | Not Employed | Employed | No | No |
| OBX2025J2245 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10150.88 | 6.853 | $XXX | Retired | Retired | No | No |
| OBX2025J2225 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10595 | 6.85 | $XXX | Employed |  | No |  |
| OBX2025J2253 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23275 | 7.045 | $XXX | Employed |  | No |  |
| OBX2025J2222 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 7.08 | $XXX | Employed | Employed | No | No |
| OBX2025J2243 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.775 | $XXX | Employed | Employed | No | No |
| OBX2025J2009 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18170 | 6.681 | $XXX | Employed |  | No |  |
| OBX2025J2003 |  |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | $11913.40 | 7.529 | $XXX | Employed | Employed | No | No |

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## Exhibit 99.14

**Exhibit 99.14**

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| | |
|:---|:---|
| ![](ex99-14_001.jpg) |  |
|  | **KPMG LLP**<br> **Suite 900**<br> **8350 Broad Street**<br> **McLean, VA 22102** |

---

**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-J2 Trust – Data Files Procedures

We have performed the procedures described below on the specified attributes in (i) an electronic data file entitled "OBX 2025-J2 ASF 20250820 F3.xlsx" provided by the Initial Purchaser on August 21, 2025, on behalf of the Company, containing information on 243 mortgage loans (the "Mortgage Loans") as of August 1, 2025 (the "Initial Data File") and (ii) an electronic data file entitled "OBX 2025-J2 ASF 20250825 F6.xlsx" provided by the Initial Purchaser on August 25, 2025, on behalf of the Company, containing information on 243 Mortgage Loans as of August 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-J2 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.

KPMG LLP, a Delaware limited liability partnership and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee.

![](ex99-14_002.jpg)

· The term "Sample Loan Selection File" means an electronic data file entitled "OBX 2025-J2 LoanIDs.xlsx" provided
by the Initial Purchaser on August 14, 2025, on behalf of the Company, containing a listing of the loan numbers for 252 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 26 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.

B. Of the 26 mortgage loans selected from the Sample Loan Selection File, only 25 of the mortgage loans were included in the Initial
Data File. The 25 mortgage loans constitute the "Selected Loans." A listing of the Selected Loans is attached hereto as Exhibit
A. 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 Loan File 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.

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| | |
|:---|:---|
| **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_002.jpg)

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

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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_002.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> August 27, 2025

**Exhibit A**

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| | |
|:---|:---|
| &nbsp;&nbsp;**Selected Loan #** | &nbsp;&nbsp;**Unique Identifier**<sup>(1)</sup> |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;OBX2025J2046 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;OBX2025J2186 |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;OBX2025J2097 |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;OBX2025J2105 |
| &nbsp;&nbsp;5 | &nbsp;&nbsp;OBX2025J2017 |
| &nbsp;&nbsp;6 | &nbsp;&nbsp;OBX2025J2236 |
| &nbsp;&nbsp;7 | &nbsp;&nbsp;OBX2025J2026 |
| &nbsp;&nbsp;8 | &nbsp;&nbsp;OBX2025J2049 |
| &nbsp;&nbsp;9 | &nbsp;&nbsp;OBX2025J2042 |
| &nbsp;&nbsp;10 | &nbsp;&nbsp;OBX2025J2038 |
| &nbsp;&nbsp;11 | &nbsp;&nbsp;OBX2025J2176 |
| &nbsp;&nbsp;12 | &nbsp;&nbsp;OBX2025J2061 |
| &nbsp;&nbsp;13 | &nbsp;&nbsp;OBX2025J2065 |
| &nbsp;&nbsp;14 | &nbsp;&nbsp;OBX2025J2013 |
| &nbsp;&nbsp;15 | &nbsp;&nbsp;OBX2025J2195 |
| &nbsp;&nbsp;16 | &nbsp;&nbsp;OBX2025J2241 |
| &nbsp;&nbsp;17 | &nbsp;&nbsp;OBX2025J2044 |
| &nbsp;&nbsp;18 | &nbsp;&nbsp;OBX2025J2016 |
| &nbsp;&nbsp;19 | &nbsp;&nbsp;OBX2025J2010 |
| &nbsp;&nbsp;20 | &nbsp;&nbsp;OBX2025J2080 |
| &nbsp;&nbsp;21 | &nbsp;&nbsp;OBX2025J2197 |
| &nbsp;&nbsp;22 | &nbsp;&nbsp;OBX2025J2242 |
| &nbsp;&nbsp;23 | &nbsp;&nbsp;OBX2025J2240 |
| &nbsp;&nbsp;24 | &nbsp;&nbsp;OBX2025J2168 |
| &nbsp;&nbsp;25 | &nbsp;&nbsp;OBX2025J2205 |

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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 #** | &nbsp;&nbsp;**Unique Identifier** | &nbsp;&nbsp;**Specified Attribute** | &nbsp;&nbsp;**Per Initial Data File** | &nbsp;&nbsp;**Per Loan File** |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;OBX2025J2097 | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;1 Family Attached |
| &nbsp;&nbsp;8 | &nbsp;&nbsp;OBX2025J2049 | &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;Condo, High Rise (5+ stories) |

---