# EDGAR Filing Document

**Accession Number:** 0001658638
**File Stem:** 0001213900-26-005202
**Filing Date:** 2026-1
**Character Count:** 1105894
**Document Hash:** 740a0eb6c51b47a2f003ac0c6bd17c9b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001213900-26-005202.hdr.sgml**: 20260116

**ACCESSION NUMBER**: 0001213900-26-005202

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

**PUBLIC DOCUMENT COUNT**: 24

**CONFORMED PERIOD OF REPORT**: 20260116

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

**FILED AS OF DATE**: 20260116

**DATE AS OF CHANGE**: 20260116

**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:** 26540181

**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**

**FORM ABS-15G**

**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 2026-J1 Trust</u><br> (Exact name of issuing entity as specified in its charter)

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

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

Michael Fania, (212) 696-0100

Name and telephone number, including area code, of the person to contact in 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](ea027320701_ex99-1.htm)

1. [AMC Rating Agency Grades Report](ea027320701_ex99-1sch1.htm)

2. [AMC Exception Grades Report](ea027320701_ex99-1sch2.htm)

3. [AMC Valuation Summary Report](ea027320701_ex99-1sch3.htm)

4. [AMC Supplemental Data Report](ea027320701_ex99-1sch4.htm)

5. [AMC Data Compare Report](ea027320701_ex99-1sch5.htm)

99.02 [Consolidated Analytics, Inc. ()"**CA**") Narrative](ea027320701_ex99-2.htm)

1. [CA Data Compare Report](ea027320701_ex99-2sch1.htm)

2. [CA Due Diligence Standard Report](ea027320701_ex99-2sch2.htm)

3. [CA Rating Agency Grading Summary Report](ea027320701_ex99-2sch3.htm)

4. [CA Valuations Report](ea027320701_ex99-2sch4.htm)

5. [CA Additional Fields Report](ea027320701_ex99-2sch5.htm)

6. [CA ATR QM Report](ea027320701_ex99-2sch6.htm)

99.03 [KPMG LLP Independent Accountants' Agreed-Upon Procedures Report](ea027320701_ex99-3.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: January 16, 2026 | /s/ Michael Fania | /s/ Michael Fania |
|  | Name: | Michael Fania |
|  | Title: | Authorized Signatory |

---

## Exhibit 99.1

**Exhibit 99.1**

![](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 82 mortgage loans totaling an aggregate original principal balance of approximately $101.836 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;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;PMI Coverage % |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Has FTHB | &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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![](ex99-01_001.jpg)

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. |

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

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

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

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

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

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

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

 

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

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

 

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.

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

&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;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL;

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

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

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

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

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

**(9) Disclaimer.**

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, underwriters, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued. 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 82 mortgage loans reviewed by AMC have a Compliance grade of "B" or higher and 68.29% 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;56 | &nbsp;&nbsp;68.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;31.71% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

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**CREDIT RESULTS SUMMARY**

All 82 mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 97.56% 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;80 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.44% |
| &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;**82** | &nbsp;&nbsp;**100.00%** |

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**PROPERTY/VALUATION RESULTS SUMMARY**

All 82 mortgage loans have a Property grade of "A".

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** | &nbsp;&nbsp;**Property Loan Grades** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;82 | &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;**82** | &nbsp;&nbsp;**100.00%** |

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**OVERALL REVIEW RESULTS SUMMARY**

All 82 mortgage loans reviewed by AMC have an Overall grade of "B" or higher and 65.85% 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;54 | &nbsp;&nbsp;65.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;28 | &nbsp;&nbsp;34.15% |
| &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;**82** | &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;17 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***34*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**34** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**36** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 82 mortgage loans reviewed, 55 mortgage loans had 135 different tape discrepancies across 23 data fields (some mortgage loans had more than one data delta). The largest variances were found on Investor: Qualifying Total Debt Ratio, LTV Valuation Value and Mortgage Type.

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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;4 | &nbsp;&nbsp;55 | &nbsp;&nbsp;7.27% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;2 | &nbsp;&nbsp;13 | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;1.82% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;27 | &nbsp;&nbsp;3.70% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;4 | &nbsp;&nbsp;43 | &nbsp;&nbsp;9.30% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;26 | &nbsp;&nbsp;82 | &nbsp;&nbsp;31.71% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;18 | &nbsp;&nbsp;43 | &nbsp;&nbsp;41.86% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;43 | &nbsp;&nbsp;27.91% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;13 | &nbsp;&nbsp;61.54% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;82 | &nbsp;&nbsp;13.41% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;6 | &nbsp;&nbsp;56 | &nbsp;&nbsp;10.71% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;82 | &nbsp;&nbsp;13.41% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;PMI Coverage % | &nbsp;&nbsp;3 | &nbsp;&nbsp;15 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;82 | &nbsp;&nbsp;7.32% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;56 | &nbsp;&nbsp;10.71% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;1.79% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;2 | &nbsp;&nbsp;56 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;82 | &nbsp;&nbsp;2.44% | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**135** | &nbsp;&nbsp;**1692** | &nbsp;&nbsp;**7.98%** | &nbsp;&nbsp;**82** |

---

**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 Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$101836335.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101836335.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$101836335.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101836335.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](ex99-01_001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.32% | &nbsp;&nbsp;$5604833.00 | &nbsp;&nbsp;5.50% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;5 | &nbsp;&nbsp;6.10% | &nbsp;&nbsp;$5694119.00 | &nbsp;&nbsp;5.59% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.54% | &nbsp;&nbsp;$8270670.00 | &nbsp;&nbsp;8.12% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;48 | &nbsp;&nbsp;58.54% | &nbsp;&nbsp;$62226823.00 | &nbsp;&nbsp;61.10% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;16 | &nbsp;&nbsp;19.51% | &nbsp;&nbsp;$20039890.00 | &nbsp;&nbsp;19.68% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101836335.00** | &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 Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$101836335.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101836335.00** | &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 Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;45 | &nbsp;&nbsp;54.88% | &nbsp;&nbsp;$56664158.00 | &nbsp;&nbsp;55.64% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;$1080000.00 | &nbsp;&nbsp;1.06% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;35 | &nbsp;&nbsp;42.68% | &nbsp;&nbsp;$43142177.00 | &nbsp;&nbsp;42.36% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;$950000.00 | &nbsp;&nbsp;0.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101836335.00** | &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 Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;75 | &nbsp;&nbsp;91.46% | &nbsp;&nbsp;$93483335.00 | &nbsp;&nbsp;91.80% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;7 | &nbsp;&nbsp;8.54% | &nbsp;&nbsp;$8353000.00 | &nbsp;&nbsp;8.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**82** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$101836335.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

---

| |
|:---|
| ![](ex99-01sch1_001.jpg) |
| **Rating Agency Grades** |
| **Run Date - 1/13/2026 10:49:39 AM** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J134 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J135 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J016 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J305 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 |  | C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J137 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J143 |  | C B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J140 |  | B C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J136 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 |  | C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J144 |  | C B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J151 |  | C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J155 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J141 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J162 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J149 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J306 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J056 |  | C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J212 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J097 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J304 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J110 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J121 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J130 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J109 |  | B C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J111 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J112 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J113 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J114 |  | A C B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J116 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J119 |  | B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J124 |  | B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J128 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J108 |  | B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J120 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J125 |  | B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J129 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J133 |  | A C B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J115 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J117 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J118 |  | C B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J122 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J123 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J126 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J127 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J131 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J132 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J006 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J209 |  | A C B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J213 |  | A C B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J298 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 |  | D A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J005 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J146 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 |  | D C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J168 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J152 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J156 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 |  | C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J158 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J171 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J157 |  | A C B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J159 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J145 |  | C B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J161 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J167 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 |  | C A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J163 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J164 |  | C B A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J166 |  | A B D |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J139 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J150 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J160 |  | C A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J170 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J172 |  | A B |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J174 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J169 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J175 |  | A |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J165 |  | A C |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J173 |  | A |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| |
|:---|
| ![](ex99-01sch2_001.jpg) |
| **Exception Grades** |
| **Run Date - 1/14/2026 3:36:07 PM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan 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** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J016 | [Redacted] |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | As per guideline, A minimum of [redacted] months verified rental history is required. However, only able to verify [redacted]-month rental history with bank statement. Required VOR to verify [redacted] renal history. |  |  |  | Reviewer Comment (2025-09-17): Noted VOR [redacted] months rental history verified. exception cleared.<br>Buyer Comment (2025-09-16): VOR | 09/17/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J016 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $[redacted] on Initial LE and $[redacted] on Final CD. File does not contain a valid COC for this fee, no cure was provided to the borrower. COC is dated [redacted] with revised LE due [redacted] Missing the LE dated on or before [redacted] |  |  |  | Reviewer Comment (2025-09-19): [redacted] received COC and LE dated [redacted] and [redacted] resp.<br>Buyer Comment (2025-09-18): Please see attached - Fee was added on [redacted] LE - not the [redacted] CD. LE and COC attached.<br>Reviewer Comment (2025-09-15): [redacted] received COC dated [redacted] however the fee added on CD dated [redacted] . The provided COC is not within [redacted] of the change. Kindly provide a valid COC for the fee increased on CD dated [redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-09-12): COC<br>Buyer Comment (2025-09-12): Appraisal order notes | 09/19/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted] % or $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-09-12): Sufficient Cure Provided At Closing |  | 09/12/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 | [Redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-09-26): Commitment provided. Cleared.<br>Buyer Comment (2025-09-26): Comment from [redacted]: We posted the Final Title policy tracking # [redacted] back on [redacted] . This is the last condition outstanding. Please advise if you need anything else to clear the loan for purchas | 09/26/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 | [Redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The valuation selected as "Use for LTV" was obtained post-close. Sec ID: 25 |  |  |  |  |  | Reviewer Comment (2025-09-24): Received, Clearing.<br>Seller Comment (2025-09-24): Comment from [redacted]: Appraisal LOX and report from [redacted] . | 09/24/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-09-26): Accepted as is per client. |  |  | 09/26/2025 | 2 B |  | CO | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J137 | [Redacted] |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report is missing. |  |  |  | Reviewer Comment (2025-09-29): Fraud report received<br>Seller Comment (2025-09-29): Comment from [redacted]: Fraud Report | 09/29/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J143 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted] : Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-09-25): Accepted as is. |  |  | 09/25/2025 | 2 B |  | NV | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J143 | [Redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. |  | Calculated loan to value percentage of [redacted] % exceeds Guideline loan to value percentage of [redacted] %. |  |  |  | Reviewer Comment (2025-09-28): Corrected LTV per Guidelines. Exception cleared.<br>Buyer Comment (2025-09-26): Comment from [redacted]: This is Jumbo AUS and as per guideline the LTV and loan limit is meet. Purchase restriction is not valid | 09/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J143 | [Redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | Calculated combined loan to value percentage of [redacted] % exceeds Guideline combined loan to value percentage of [redacted] %. |  |  |  | Reviewer Comment (2025-09-28): Corrected CLTV per Guidelines. Exception cleared.<br>Seller Comment (2025-09-26): Comment from [redacted]: This is Jumbo AUS and as per guideline the LTV and loan limit is meet. Purchase restriction is not valid.<br> Kindly check attached Snip | 09/28/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J140 | [Redacted] |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy is within [redacted] and does not reflect a coverage amount (no final title policy in file). |  |  |  | Reviewer Comment (2025-10-01): Client elects to waive |  |  | 10/01/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J140 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within[redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within [redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/[redacted] |  |  |  | Reviewer Comment (2025-10-03): [redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [redacted]<br>Seller Comment (2025-10-02): Comment from [redacted] : PLEASE SEE ATTACHED ECONSENT ITEMS THESE SHOULD HAVE BEEN IN THE SHIPPING PACKAGE. | 10/03/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J136 | [Redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Secondary valuation is required for securitization. |  |  |  | Reviewer Comment (2025-10-17): CDA received, exception cleared<br>Seller Comment (2025-10-17): Comment from [redacted]: Please see attached | 10/17/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Borrower waived the right to receive a copy of appraisal [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-06): Client elects to waive |  |  | 10/06/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing source of EMD deposit in the amount of $[redacted] |  |  |  | Reviewer Comment (2025-10-08): Received PCCD and Closing statement verifying sufficient funds to close<br>Seller Comment (2025-10-08): Comment from [redacted]: Please review the attached Final Closing Statement + PCCD, which were already included in the loan package. We should have sufficient cash to close provided.<br>Reviewer Comment (2025-10-07): Received verification of additional deposit in the amount of $[redacted] . Total available assets to close are $[redacted] , cash to close required is [redacted] . Short cash to close $[redacted]<br>Seller Comment (2025-10-07): Comment from [redacted]: Please review the attached. Thank you. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage [redacted] Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is designated QM risk due to insufficient Cash to close |  |  |  | Reviewer Comment (2025-10-08): Received PCCD and Closing statement verifying sufficient funds to close<br>Buyer Comment (2025-10-08): Comment from [redacted]: Please review the Final Closing Statement + PCCD that was uploaded to the other condition. We should have sufficient cash to close provided.<br>Reviewer Comment (2025-10-07): Received verification of additional deposit in the amount of $[redacted] . Total available assets to close are $[redacted] , cash to close required is [redacted] . Short cash to close $[redacted]<br>Buyer Comment (2025-10-07): Comment from [redacted]: Please refer to the document provided for the EMD condition, and review. Thank you. | 10/08/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing source of EMD deposit in the amount of $[redacted] |  |  |  | Reviewer Comment (2025-10-08): Updated per PCCD. Cleared<br>Buyer Comment (2025-10-08): Comment from [redacted]: Please review the Final Closing Statement + PCCD that was uploaded to the other condition. We should have sufficient cash to close provided.<br>Reviewer Comment (2025-10-07): Received verification of additional deposit in the amount of $[redacted] . Total available assets to close are $[redacted] , cash to close required is [redacted] . Short cash to close $[redacted]<br>Reviewer Comment (2025-10-07): EXCEPTION HISTORY - Exception Explanation was updated on [redacted] PRIOR Exception Explanation: Documented qualifying Assets for Closing of $[redacted] is less than Cash From Borrower $[redacted] .<br>Buyer Comment (2025-10-07): Comment from [redacted]: Please refer to the document provided for the other EMD condition, and review. Thank you. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Cash to close is insufficient due to missing source and receipt of EMD |  |  |  | Reviewer Comment (2025-10-08): Received PCCD and Closing statement verifying sufficient funds to close<br>Buyer Comment (2025-10-08): Comment from [redacted]: Please review the Final Closing Statement + PCCD that was uploaded to the other condition. We should have sufficient cash to close provided.<br>Reviewer Comment (2025-10-07): Received verification of additional deposit in the amount of $[redacted] . Total available assets to close are $[redacted] , cash to close required is [redacted] . Short cash to close $[redacted]<br>Buyer Comment (2025-10-07): Comment from [redacted]: Please refer to the document provided for the other EMD condition, and review. Thank you. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Cash to close is insufficient due to missing source and receipt of EMD |  |  |  | Reviewer Comment (2025-10-08): Received PCCD and Closing statement verifying sufficient funds to close<br>Buyer Comment (2025-10-08): Comment from [redacted]: Please review the Final Closing Statement + PCCD that was uploaded to the other condition. We should have sufficient cash to close provided.<br>Reviewer Comment (2025-10-07): Received verification of additional deposit in the amount of $[redacted] . Total available assets to close are $[redacted] , cash to close required is [redacted] . Short cash to close $[redacted]<br>Buyer Comment (2025-10-07): Comment from [redacted]: Please refer to the document provided for the other EMD condition, and review. Thank you. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | [Redacted] |  | 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. | Cash to close is insufficient due to missing source and receipt of EMD |  |  |  | Reviewer Comment (2025-10-08): Received PCCD and Closing statement verifying sufficient funds to close<br>Buyer Comment (2025-10-08): Comment from [redacted]: Please review the Final Closing Statement + PCCD that was uploaded to the other condition. We should have sufficient cash to close provided.<br>Reviewer Comment (2025-10-07): Received verification of additional deposit in the amount of $[redacted] . Total available assets to close are $[redacted] , cash to close required is [redacted] . Short cash to close $[redacted]<br>Buyer Comment (2025-10-07): Comment from [redacted]: Please refer to the document provided for the other EMD condition, and review. Thank you. | 10/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J144 | [Redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guidelines require CDA. |  |  |  | Reviewer Comment (2025-10-18): Received, Clearing.<br>Seller Comment (2025-10-17): Comment from [redacted]: CDA<br>Reviewer Comment (2025-10-13): Loan was locked as [redacted] loans require either a [redacted] CDA or Protek Valuation - Appraisal Risk Review<br>Buyer Comment (2025-10-10): Comment from [redacted]: SSR score is [redacted] which is lower than [redacted] , Hence CDA is not required. | 10/18/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J144 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted] : Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-10-10): Client elects to waive |  |  | 10/10/2025 | 2 B |  | CO | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J144 | [Redacted] |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | [redacted] Consumer Credit Code: Borrower not provided [redacted] Lien Refinance Notice. |  |  |  |  | Reviewer Comment (2025-11-10): Client elects to waive - Non-Material [redacted]<br>Reviewer Comment (2025-11-10): Re-opened<br>Reviewer Comment (2025-10-10): Client elects to waive |  |  | 11/10/2025 | 2 B |  | CO | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J151 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation |  |  |  | Reviewer Comment (2025-10-09): Accepted as is.<br>Seller Comment (2025-10-09): Comment from [redacted]: Appraisal acknowledgement |  |  | 10/09/2025 | 2 B |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J151 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [redacted] incorrectly disclosed whether the loan will have an escrow account, page [redacted] of the Final CD did not disclose the reason for no escrow account. |  |  |  | Reviewer Comment (2025-10-15): [redacted] received PCCD and LOE<br>Seller Comment (2025-10-14): Comment from [redacted]: LOE and UPS label for PCCD uploaded on [redacted]<br>Reviewer Comment (2025-10-14): [redacted] received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br>Seller Comment (2025-10-13): Comment from [redacted]: PCCD with check box.<br>Seller Comment (2025-10-13): Comment from [redacted]: CD With Page [redacted] reflecting escrow waiver. This was also uploaded with the closing package.<br>Reviewer Comment (2025-10-13): [redacted] received [redacted] Final CD. but, Final CD [redacted] provided in the loan file will not have on escrow reason check box was not checked. If this was intended to be a Corrected CD after Final CD, then the issue date cannot be the same date as the Final CD date and back dated, as it would not be considered a post close correction, but a CD received same as the signed final CD. A Corrected CD would need issued after the [redacted] final CD in order to test as a correction.<br>Seller Comment (2025-10-09): Comment from [redacted]: CD showing borrower declined |  | 10/15/2025 |  | 2 C B |  | WA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J151 | [Redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing evidence of receipt of gift funds in the amount of $[redacted] . |  |  |  | Reviewer Comment (2025-10-09): Cleared received wire receipt for gift funds<br>Seller Comment (2025-10-09): Comment from [redacted]: Gift From Sent Directly to Escrow | 10/09/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J155 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule ([redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive |  |  | 10/13/2025 | 2 B |  | VA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J155 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule [redacted]): Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2025-10-13): Client elects to waive |  |  | 10/13/2025 | 2 B |  | VA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J155 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax disclosed was last disclosed as $[redacted] on LE but disclosed as $[redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee; cure provided at closing. |  |  |  | Reviewer Comment (2025-10-13): Sufficient Cure Provided At Closing |  | 10/13/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J162 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule [redacted] : Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | The date the valuation was provided to the borrower is prior to the date the valuation was performed. |  |  |  | Reviewer Comment (2025-10-16): Accepted as is. |  |  | 10/16/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J149 | [Redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient. Coverage is short $[redacted] . |  |  |  | Reviewer Comment (2025-10-23): Hazard Insurance documentation showing extended coverage, exception cleared<br>Seller Comment (2025-10-23): Comment from [redacted]: Policy has additional coverage | 10/23/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J149 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. [redacted] |  |  |  | Reviewer Comment (2025-10-23): [redacted] received valid COC dated [redacted]<br>Seller Comment (2025-10-22): Comment from [redacted]: COC | 10/23/2025 |  |  | 1 C A |  | NV | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J056 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was disclosed as $[redacted] on Initial LE and $[redacted] on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2025-10-06): [redacted] received valid COC document<br>Buyer Comment (2025-10-03): COC | 10/06/2025 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J056 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Collateral Desktop Analysis Fee was disclosed as $[redacted] on Initial LE and $[redacted] on Final CD. No Evidence of cure and no valid COC provided in file. |  |  |  | Reviewer Comment (2025-10-08): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-07): PCCD<br>Buyer Comment (2025-10-07): LOE and [redacted] transaction record |  | 10/08/2025 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J056 | [Redacted] |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing Verification of Rent for $[redacted] for [redacted] . A minimum of [redacted] months verified rental history is required with [redacted] payment history. For rental verification, a standard VOR completed by a professional management company or [redacted] months bank statements/canceled checks and a lease agreement to document the term and payment are required. |  |  |  | Reviewer Comment (2025-10-09): Noted LOE and property property of the previous residence have been sold and borrower is staying on [redacted] . meet the guideline requirement. exception cleared.<br>Buyer Comment (2025-10-08): PER LENDER - Original condition was for [redacted] which was the home the borrower sold. The borrower was staying at an[redacted] temporarily, until they closed on their new home. There was no lease agreement. Guideline: Borrowers with no mortgage/rental history due to a residence scenario requiring no mortgage or rental payments are eligible with a satisfactory letter of explanation.<br>Reviewer Comment (2025-10-03): As per application borrower current rental residence "[redacted] " and payment rental income of $[redacted] require evidence of rental payment from [redacted] till the date of note. exception remains.<br>Buyer Comment (2025-10-02): Response to Condition | 10/09/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J212 | [Redacted] |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | A minimum of [redacted] months verified rental history is required with [redacted] payment history. For rental verification, a standard VOR completed by a professional <br> management company or [redacted] months bank statements/canceled checks and a lease agreement to document the term and payment are required. |  |  |  | Reviewer Comment (2025-10-10): Received VOR from [redacted] for [redacted] months and associated the same accordingly. Exception Cleared.<br>Buyer Comment (2025-10-09): vor | 10/10/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J097 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted] exceeds tolerance of $[redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-09): Sufficient Cure Provided At Closing |  | 10/09/2025 |  | 1 A |  | NC | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J304 | [Redacted] |  | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (2025-10-17): It is Same lender refinance per Title commitment report. Exception Cleared | 10/17/2025 |  |  | 1 A |  | NE | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J304 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The [redacted] form was used, the [redacted] form should have been used. |  |  |  | Reviewer Comment (2025-10-17): It is Same lender refinance per Title commitment report. Exception Cleared<br>Buyer Comment (2025-10-16): Please cancel. Per Title Schedule[redacted] MERS shows assignee [redacted] (see [redacted]). The correct RTC model form was used. | 10/17/2025 |  |  | 1 C A |  | NE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J110 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received disclosure summary.<br>Buyer Comment (2025-10-08): Please see the attached Loan Estimate verification. The website FYI is verification of the borrower acknowledgement, and the acknowledgment date/time. The outstanding status conforms to the date/time the Loan Estimate was created. | 10/09/2025 |  |  | 1 C A |  | VA | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J121 | [Redacted] |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ |  |  |  |  | Reviewer Comment (2025-10-08): Hazard Insurance policy is in file with effective date as [redacted] . Exception cleared.<br>Buyer Comment (2025-10-08): Pleas see Pg [redacted] confirming the policy effective date of [redacted] . This was the most recent issued policy. Please review to cancel this exception. | 10/08/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J109 | [Redacted] |  | 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 (2025-11-07): Clearing. Final title supplied.<br>Buyer Comment (2025-10-08): seller accepts; no change to grading. | 11/07/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J109 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Valid COC for increased recording fee was not provided. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received valid COC document<br>Buyer Comment (2025-10-08): Please see the attached explanation for COC on [redacted]listed on changed circumstance documentation. | 10/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J113 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[redacted]on the Loan Estimate, but was disclosed as $[redacted]on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-09): [redacted] received valid COC dated [redacted]<br>Buyer Comment (2025-10-08): Appraisal fee increased to $[redacted]with a valid CIC on [redacted] due to it being a complex property. The fee request was approved by the borrower prior to being cancelled. A new order was placed on [redacted] and the cost was only $[redacted]as detailed on the invoice on pg[redacted]. | 10/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J114 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% fee violation due to an increase in the Recording fee. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-10): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-10-09): Please see the attached redisclosure package with check and ups letter. |  | 10/10/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J116 | [Redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | The file is missing the verbal verification of employment obtained within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-10-08): Received work number verification of employment. Exception cleared.<br>Buyer Comment (2025-10-08): Please see attached, post close confirmation employment is still active. | 10/08/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J119 | [Redacted] |  | 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 (2025-11-10): Clear. Policy provided.<br>Reviewer Comment (2025-11-10): Document provided to clear exception.<br>Buyer Comment (2025-10-08): Seller acknowledges the exception, no change to grading. | 11/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J119 | [Redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2025-11-10): Clear. Policy provided. | 11/10/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J124 | [Redacted] |  | 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 (2025-11-07): Clearing. Final title supplied.<br>Buyer Comment (2025-10-08): Seller acknowledges exception, no change to grading. | 11/07/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J108 | [Redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2025-11-10): Cleared. Document provided. | 11/10/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J108 | [Redacted] |  | 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 (2025-11-10): Cleared. Document provided.<br>Reviewer Comment (2025-11-10): Reopening to clear.<br>Buyer Comment (2025-10-09): Seller acknowledges exception, no change in grading | 11/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J125 | [Redacted] |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2025-11-10): Cleared. Document provided. | 11/10/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J125 | [Redacted] |  | 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 (2025-11-10): Cleared. Document provided.<br>Reviewer Comment (2025-11-10): Reopening to clear.<br>Buyer Comment (2025-10-12): Seller acknowledges exception, no change in grading | 11/10/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J129 | [Redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is out on leave and will return to work after the first payment due date, [redacted]. Since the borrower is returning after first payment date, per Fannie Mae guidelines, the borrower should be qualified with the temporary leave income. The file is missing the borrower's temporary leave income documentation from Washington state. Please provide for review. |  |  |  | Reviewer Comment (2025-10-13): Roughly $[redacted]in assets after cash to close and reserves. Borrower has < [redacted]month on LOA after the first payment due date and additional assets cover > [redacted]months total base pay. Exception cleared.<br>Buyer Comment (2025-10-09): Please see the attached guidelines. The guidelines states that if borrower is leave after first payment date, and they do not qualify with temporary leave income, that their income can be substituted with eligible reserves. The borrowers additional reserves above guidelines of $[redacted]is enough to supplement the [redacted]month difference between the Leave End Date and the first payment date. | 10/13/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J133 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-10-10): [redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-10-09): Please review to downgrade this to an [redacted]as we have evidence of the[redacted] being viewed which was provided on associated exception.<br>Buyer Comment (2025-10-09): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. | 10/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J133 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least [redacted]business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-10-10): [redacted] received proof of earlier electronic receipt.<br>Buyer Comment (2025-10-09): Please see attached confirming when the LE was viewed. Website FYI is the borrower viewing the document. | 10/10/2025 |  |  | 1 C A |  | CO | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J133 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing Test | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted]not received by borrower at least[redacted]business days prior to closing. | Regraded to EV2-B as the Revised LE issued [redacted] missing proof of receipt within [redacted] business days prior to closing, but Final LE [redacted] was received at least [redacted] business days prior to closing. |  |  |  | Buyer Comment (2025-10-10): Seller acknowledges the exception, no change to grading. |  |  | 10/10/2025 | 2 B |  | CO | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J118 | [Redacted] |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file was missing the final closing statement for the sale of the departure residence. Please provide for review confirming total net equity as approved and all liens paid and closed. |  |  |  | Reviewer Comment (2025-10-14): Closing statement received. Exception cleared.<br>Buyer Comment (2025-10-14): Please see attached settlement statement for this property. | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J118 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on[redacted]disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-10-14): Seller acknowledges the exception, no change to grading. |  |  | 10/14/2025 | 2 B |  | CA | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J127 | [Redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The borrower's paystub indicates total earnings are short-term disability earnings. In addition, the borrower appears to have been out on leave for roughly half the year at this point based on those earnings YTD against base. No leave of absence documentation was provided in the file or noted by the lender. Please provide confirmation from the employer that the borrower has returned to work prior to the Note date. If the borrower has not returned to work prior to the Note date, full LOA documentation is required based on the selling guide and additional exceptions will apply. |  |  |  | Reviewer Comment (2025-10-16): VVOE performed on [redacted] indicates the borrower is active. Per client attestation, borrower has returned to work. Last paystub is prior to the return date. Exception cleared.<br>Buyer Comment (2025-10-14): No dates of leave were used in qualifying and the short term disability was considered as the borrower's base. The VOE confirms the borrower is active. Paystub is dated [redacted] and the VOE is dated [redacted] therefore its confirmed the borrower has returned. This meets guidelines as the leave is as much or less than the regular base pay so this income is fully supported. Please review to clear this condition. No leave documentation needed. | 10/16/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J127 | [Redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender to confirm what income was considered as OT as none is listed on the borrower's paystubs. All variable income types are subject to review based on leave of absence supporting documentation requested. |  |  |  | Reviewer Comment (2025-10-16): VVOE performed on [redacted] indicates the borrower is active. Per client attestation, borrower has returned to work. Last paystub is prior to the return date. Exception cleared.<br>Buyer Comment (2025-10-14): Only the [redacted]On Call was considered overtime. <br>No dates of leave were used in qualifying and the short term disability was considered as the borrower's base. The VOE confirms the borrower is active. Paystub is dated [redacted] and the VOE is dated [redacted] therefore its confirmed the borrower has returned. This meets guidelines as the leave is as much or less than the regular base pay so this income is fully supported. Please review to clear this condition. No leave documentation needed. | 10/16/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J131 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-10-15): [redacted] Received Disclosure summary showing borrower received the LE dated [redacted].<br>Buyer Comment (2025-10-14): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 10/15/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J132 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-10-14): [redacted] received earliest receipt of LE.<br>Buyer Comment (2025-10-13): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, 'Website FYI' denotes the time the LE was viewed/received by the borrower electronically. | 10/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J006 | [Redacted] |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Housing history reflects lates that do not meet guidelines. |  | Final 1003 reflects [redacted] lives at[redacted] with no primary housing expense. The Previous address reflects rent at [redacted]. Missing VOR for this address. The next previous address is [redacted] but the VOR for [redacted] reflects [redacted] has lived in this residence from [redacted] Need updated 1003 with correct addresses or a VOR for [redacted]. Same for [redacted]. |  |  |  | Reviewer Comment (2025-10-31): Noted [redacted] rental payment. exception cleared<br>Buyer Comment (2025-10-30): Per Lender: [redacted] is showing on page [redacted]. paid on [redacted]<br>Reviewer Comment (2025-10-28): Cleared by Oversite<br>Reviewer Comment (2025-10-28): Bank Statement noted for [redacted] from still[redacted] statement not provided, exception remains.<br>Buyer Comment (2025-10-27): Lease and Statement<br>Reviewer Comment (2025-10-24): Provide Bank statement for[redacted] Rental payment of [redacted] along with lease agreement VOR Complete by Private owner instead of management company therefore Lease agreement and [redacted]months bank statement or canceled checked require. file only contain Bank statement with Payment from [redacted]. Exception Remains.<br>Buyer Comment (2025-10-23): VOR | 10/31/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J209 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | [redacted]% tolerance was exceeded by $[redacted]due to increase in Title - Lender's Title Insurance, Title - Endorsement Fee, Title - Recording Service Fee and Title - Settlement / Closing / Escrow Fee. No valid COC or cure provided in the file. |  |  |  | Reviewer Comment (2025-10-31): [redacted] received Letter of Explanation, Payment history and Corrected CD.<br>Buyer Comment (2025-10-30): PCCD, LOE/COC to borrower and Payment History reflecting PR |  | 10/31/2025 |  | 2 C B |  | TX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J213 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Administration Fee was disclosed as $[redacted]on Initial LE and $[redacted]on Final CD. File does not contain a valid COC for this fee; sufficient cure was not provided in the file. |  |  |  | Reviewer Comment (2025-11-03): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-10-31): Copy of check<br>Reviewer Comment (2025-10-31): [redacted] received Post CD,LOX and proof of mailing. However, we would also required copy of refund check in order to cure the exception.<br>Buyer Comment (2025-10-30): Tracking number<br>Buyer Comment (2025-10-30): LOE<br>Buyer Comment (2025-10-30): PCCD |  | 11/03/2025 |  | 2 C B |  | UT | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 | [Redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | Subject property purchase contract with sales price $[redacted] is not found. |  |  |  | Reviewer Comment (2025-11-03): Received borrower and seller executed contract. Exception cleared.<br>Buyer Comment (2025-10-31): Purchase and sale agreement | 11/03/2025 |  |  | 1 D A |  | MD | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-27): Sufficient Cure Provided At Closing |  | 10/27/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-10-28): Sufficient Cure Provided At Closing |  | 10/28/2025 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J005 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within[redacted] business days of application. Initial Loan Estimate dated [redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign consent date is [redacted]. |  |  |  | Reviewer Comment (2025-11-04): [redacted] received e-consent dated [redacted]<br>Buyer Comment (2025-11-03): Econsent | 11/04/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J146 | [Redacted] |  | 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[redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-10-22): Accepted as is. |  |  | 10/22/2025 | 2 B |  | OR | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J146 | [Redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  | Reviewer Comment (2025-10-22): Accepted as is. |  |  | 10/22/2025 | 2 B |  | OR | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than [redacted] business days prior to consummation. | Borrower provided appraisal waiver less than [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-10-24): Accepted as is. |  |  | 10/24/2025 | 2 B |  | NC | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within[redacted] business days of application. | Application date is[redacted], initial LE provided on[redacted] |  |  |  | Reviewer Comment (2025-10-31): [redacted] received initial LE dated [redacted] within [redacted]business days of application.<br>Seller Comment (2025-10-30): Comment from [redacted]: Initial LE | 10/31/2025 |  |  | 1 C A |  | NC | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within [redacted]days of the loan application date. |  |  |  | Reviewer Comment (2025-10-23): Accepted as is. |  |  | 10/23/2025 | 2 B |  | NC | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | [Redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within [redacted]) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three ([redacted]) business days of application. |  |  |  | Reviewer Comment (2025-10-24): Client elects to waive |  |  | 10/24/2025 | 2 B |  | NC | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Tax Service Fee was last disclosed as $[redacted]on LE but disclosed as $[redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $[redacted], a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-10-31): [redacted] received updated LE and valid changed circusmatcne.<br>Seller Comment (2025-10-30): Comment from [redacted]: Revised LE | 10/31/2025 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | [Redacted] |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2025-10-30): Received Security Instrument. Exception cleared.<br>Seller Comment (2025-10-30): Comment from [redacted]: Recorded Security Instrument | 10/30/2025 |  |  | 1 D A |  | NC | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J168 | [Redacted] |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 is missing |  |  |  | Reviewer Comment (2025-10-27): Client elects to waive |  |  | 10/27/2025 | 2 B |  | NC | Second Home | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J156 | [Redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  |  |  |  |  | Reviewer Comment (2025-11-06): Received, Clearing.<br>Seller Comment (2025-11-06): Comment from [redacted]: Signed updated final 1003<br>Reviewer Comment (2025-10-31): Corrected 1003 is not signed by borrowers. Exception remains.<br>Seller Comment (2025-10-31): Comment from [redacted]: Updated 1003 | 11/06/2025 |  |  | 1 C A |  | ID | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-11-04): Received, Clearing.<br>Seller Comment (2025-11-04): Comment from [redacted]: DRIVE REPORT<br>Reviewer Comment (2025-10-31): Fraud Report not received. Exception remains.<br>Seller Comment (2025-10-31): Comment from [redacted]: Drive Report | 11/04/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | 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 discrepancy due to missing income documentation. Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-10-31): Received, Clearing.<br>Seller Comment (2025-10-31): Comment from [redacted]: {Redacted] Letter | 10/31/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | 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. | Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. |  |  |  | Reviewer Comment (2025-10-31): Received, Clearing.<br>Seller Comment (2025-10-31): Comment from [redacted]: [Redacted] Letter | 10/31/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. [redacted] tax extension is in the loan file. |  |  |  | Reviewer Comment (2025-12-10): [redacted] tax extension is in the loan file.<br>Reviewer Comment (2025-10-29): Accepted as is. |  |  | 10/29/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. [redacted] tax extension is in the loan file. |  |  |  | Reviewer Comment (2025-12-10): [redacted] tax extension is in the loan file.<br>Reviewer Comment (2025-10-29): Accepted as is. |  |  | 10/29/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Representative FICO score discrepancy. |  | Representative FICO score of [redacted] is less than AUS representative FICO score of [redacted] . FICO score shown on 1008 provided. Missing AUS used at origination. |  |  |  | Reviewer Comment (2025-10-31): Received AUS. Exception cleared.<br>Seller Comment (2025-10-31): Comment from [redacted]: AUS | 10/31/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | [Redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2025-10-31): Received AUS. Exception cleared.<br>Seller Comment (2025-10-31): Comment from [redacted]: AUS | 10/31/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J158 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least[redacted] business days prior to closing, and appraisal was not provided at or before closing. | Borrower waived right to receive a copy of the appraisal at least [redacted] business days prior to closing, and appraisal was not provided at or before closing. |  |  |  | Reviewer Comment (2025-10-30): Accepted as is. |  |  | 10/30/2025 | 2 B |  | WA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J171 | [Redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Hazard Insurance and tax documentation is missing for REO Property "[redacted]". |  |  |  | Reviewer Comment (2025-11-05): Cleared tax/ins received<br>Seller Comment (2025-11-05): Comment from [redacted]: Requested Docs | 11/05/2025 |  |  | 1 C A |  | AZ | Second Home | Refinance - Limited Cash-out GSE | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J157 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. |  |  |  | Reviewer Comment (2025-11-18): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2025-11-17): Comment from [redacted]: PCCD refund packet |  | 11/18/2025 |  | 2 C B |  | AZ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J159 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-07): [redacted] received updated LE and valid changed circumstance.<br>Seller Comment (2025-11-05): Comment from [redacted]: COC sent with Revised LE for the $[redacted]. Audit Log is attached | 11/07/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J159 | [Redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | File did not contain an estimated cost to replace from insurer. Calculations are based on [redacted]% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient by $[redacted]. |  |  |  | Reviewer Comment (2025-11-05): Received Replacement Cost Estimator. Exception cleared.<br>Seller Comment (2025-11-05): Comment from [redacted]: RCE | 11/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J145 | [Redacted] |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-11-05): Received signed final 1003<br>Seller Comment (2025-11-05): Comment from [redacted]: Final 1003 | 11/05/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J145 | [Redacted] |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (2025-11-03): Accepted as is. |  |  | 11/03/2025 | 2 B |  | GA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 | [Redacted] |  | 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 does not match due to missing tax returns for self-employment income. |  |  |  | Reviewer Comment (2025-11-06): Received, Clearing.<br>Seller Comment (2025-11-06): Comment from [redacted]: Signed Tax Returns<br>Reviewer Comment (2025-11-04): Need the signed [redacted] 1040.<br>Seller Comment (2025-11-04): Comment from [redacted]: Tax Returns Uploaded | 11/06/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 | [Redacted] |  | 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. |  |  |  |  | Reviewer Comment (2025-11-06): Received, Clearing.<br>Reviewer Comment (2025-11-04): Need the signed [redacted] 1040.<br>Seller Comment (2025-11-04): Comment from [redacted]: Schedule C included in Tax Returns | 11/06/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 | [Redacted] |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing copy of Schedule C for [redacted]. |  |  |  | Reviewer Comment (2025-11-04): Received, Clearing.<br>Seller Comment (2025-11-04): Comment from [redacted]: Schedule C | 11/04/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2025-11-04): Received, Clearing. | 11/04/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 | [Redacted] |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. |  | Funds to close are short due to an unsourced large deposit. |  |  |  | Reviewer Comment (2025-11-04): Received, Clearing.<br>Seller Comment (2025-11-04): Comment from [redacted]: Assets | 11/04/2025 |  |  | 1 C A |  | TN | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J161 | [Redacted] |  | 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 [redacted] business days prior to consummation. | Appraisal report dated [redacted] missing evidence of receipt. |  |  |  | Reviewer Comment (2025-11-03): Accepted as is. |  |  | 11/03/2025 | 2 B |  | UT | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within[redacted] business days of application. |  |  |  |  | Reviewer Comment (2025-11-11): [redacted] received initial LE dated [redacted].<br>Seller Comment (2025-11-10): Comment from [redacted]: Initial LE | 11/11/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 | [Redacted] |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[redacted] is less than the note amount of $[redacted] based on the Preliminary in file. |  |  |  | Reviewer Comment (2025-11-04): Accepted as is. |  |  | 11/04/2025 | 2 B |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 | [Redacted] |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Insurance Verification, Tax Verification is missing for [redacted] or Please provide Mortgage statement or Closing disclosure confirms that the Tax and Insurance are Escrowed. |  |  |  | Reviewer Comment (2025-11-10): Received mortgage statement confirming T&I are escrowed<br>Seller Comment (2025-11-10): Comment from [redacted]: Mortgage Statement + LOE | 11/10/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded. Total amount of $[redacted]exceeds tolerance of $[redacted]plus [redacted]% or $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-11-19): [redacted] received corrected PCCD and LOE<br>Seller Comment (2025-11-18): Comment from [redacted]: PCCD with Final Settlement Statement<br>Reviewer Comment (2025-11-13): [redacted] received COC dated [redacted] but the reason loan amount change is not valid for increase in recording fee. Recording fees are generally not based on the monetary value of the loan. Please provide more information to validate the reason or cure of $[redacted] is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-12): Comment from [redacted]: COC<br>Reviewer Comment (2025-11-11): [redacted] received COC dated [redacted] which is already in file for review but the reason provided for increase in settlement fee (Recording fee in this case) is not valid. The [redacted]% tolerance caused due to increase in recording fee by $[redacted] from the allowable limit. Please provide more information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs or cure would be required.<br>Seller Comment (2025-11-10): Comment from [redacted]: COC with CD | 11/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. (Interim/[redacted]) |  |  |  | Reviewer Comment (2025-11-07): [redacted] received proof of earlier electronic receipt.<br>Seller Comment (2025-11-05): Comment from [redacted]: Timeline shows the LE was sent and received [redacted]. Please waive | 11/07/2025 |  |  | 1 C A |  | NM | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 | [Redacted] |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of [redacted]% exceeds AUS total debt ratio of [redacted]%, due to the calculation of the rental income. Verified debt $[redacted]/ verified income $[redacted]. |  |  |  | Reviewer Comment (2025-11-06): Received, Clearing.<br>Buyer Comment (2025-11-05): Comment from [redacted]: Total Housing Payment: ~$[redacted (PITI+HOA)<br> Average Rental Income: ~$[redacted] or up to $[redacted] ([redacted], not yet filed)<br> Shortfall: $[redacted] is included as a debt in DTI | 11/06/2025 |  |  | 1 C A |  | NM | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2025-11-06): Received, Clearing.<br>Buyer Comment (2025-11-05): Comment from [redacted]: Total Housing Payment: ~[redacted] (PITI+HOA)<br> Average Rental Income: ~$[redacted] or up to $[redacted], not yet filed)<br> Shortfall: $[redacted] is included as a debt in DTI | 11/06/2025 |  |  | 1 B A C |  | NM | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 | [Redacted] |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk, due to DTI exceeding. |  |  |  | Reviewer Comment (2025-11-06): Received, Clearing.<br>Buyer Comment (2025-11-05): Comment from [redacted]: Total Housing Payment: ~$[redacted] (PITI+HOA)<br> Average Rental Income: ~$[redacted] or up to $[redacted], not yet filed)<br> Shortfall: $[redacted] is included as a debt in DTI | 11/06/2025 |  |  | 1 C A |  | NM | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J163 | [Redacted] |  | 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 [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-04): Accepted as is. |  |  | 11/04/2025 | 2 B |  | MA | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J163 | [Redacted] |  | Property | Guideline | Guideline Issue | Guideline | No secondary valuation was provided. |  | CDA is required per guidelines. |  |  |  | Reviewer Comment (2025-11-18): Received, Clearing.<br>Seller Comment (2025-11-17): Comment from [redacted]: CDA<br>Reviewer Comment (2025-11-11): Loan was locked under [redacted] Prime Jumbo product. Please see guidelines section [redacted] Third party appraisal review - please refer to [redacted] property valuation [redacted] for secondary review requirements. Loans should be submitted to [redacted] fulfillment vendor with a completed third party review CDA or Field Review where applicable<br>Seller Comment (2025-11-11): Comment from [redacted]: Please see attached email as CDA was not required due to CU risk score of [redacted] | 11/18/2025 |  |  | 1 A |  | MA | Primary | Refinance - Limited Cash-out GSE | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J164 | [Redacted] |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing. Cannot use the fraud summary submitted need a full fraud report. |  |  |  | Reviewer Comment (2025-11-14): Received Fraud report. Exception cleared.<br>Seller Comment (2025-11-13): Comment from [redacted] ([redacted]): Fraud Report | 11/14/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J164 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-05): Sufficient Cure Provided At Closing |  | 11/05/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J164 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Right to Cancel is on H-8 form. |  |  |  | Reviewer Comment (2025-11-06): Accepted as is. |  |  | 11/06/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J166 | [Redacted] |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-11-10): Received CDA. Exception cleared.<br>Seller Comment (2025-11-10): Comment from [redacted]: Attached is the CDA requested | 11/10/2025 |  |  | 1 D A |  | PA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J166 | [Redacted] |  | 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. | Borrower waived the right to receive a copy of appraisal [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-06): Accepted as is. |  |  | 11/06/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J166 | [Redacted] |  | 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 [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-11): Accepted as is per client.<br>Seller Comment (2025-11-11): Comment from [redacted]: Disclosure Tracking documents for Appraisal and CDA delivered to borrower |  |  | 11/11/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J139 | [Redacted] |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage amount is insufficient; however, the Replacement cost estimator is not provided in the file. Coverage shortfall of $[redacted] |  |  |  | Reviewer Comment (2025-11-14): Cleared RCE<br>Seller Comment (2025-11-14): Comment from [redacted]: see attached email from insurance agent | 11/14/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J150 | [Redacted] |  | 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 [redacted] business days prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-11-10): Client elects to waive |  |  | 11/10/2025 | 2 B |  | WA | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J160 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-10): Sufficient Cure Provided At Closing |  | 11/10/2025 |  | 1 A |  | AZ | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J160 | [Redacted] |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | A CDA is required per guidelines as a secondary valuation |  |  |  | Reviewer Comment (2025-11-14): CDA received, exception cleared<br>Seller Comment (2025-11-14): Comment from [redacted]: CDA | 11/14/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J172 | [Redacted] |  | 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 [redacted] business days prior to consummation. |  |  |  |  | Reviewer Comment (2025-11-12): Accepted as is.<br>Seller Comment (2025-11-12): Comment from [redacted]: Appraisal Ack |  |  | 11/12/2025 | 2 B |  | NV | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J169 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J169 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-11-12): Sufficient Cure Provided At Closing |  | 11/12/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J165 | [Redacted] |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Missing valid change of circumstance for fee increase and no cure was provided |  |  |  | Reviewer Comment (2025-11-24): [redacted] received COC and previous credit report.<br>Seller Comment (2025-11-21): Comment from [redacted]: Audit Log associated with the Initial Disclosures...application is from [redacted], not [redacted]<br>Reviewer Comment (2025-11-21): [redacted] received evidence of credit report for [redacted] which is [redacted] prior to application date of [redacted] and it should not be considered at the time of application itself. Cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (2025-11-20): Comment from [redacted]: Evidence date of Previous Credit report<br>Reviewer Comment (2025-11-20): [redacted] received latest credit report ordered on [redacted] but as per comment the previous credit report was expired but the copy of old credit report was not in file. Please provide more information to validate the reason or cure would be required.<br>Seller Comment (2025-11-19): Comment from [redacted]: Credit Report...new credit had to be pulled due to previous one being expired<br>Reviewer Comment (2025-11-19): [redacted] received LE dated [redacted] along with the COC but provided COC does not have any reason mentioned for increase in fee. Please provide information as to what changed circumstance occurred (as defined under [redacted] that resulted in an increase in closing costs or cure would be required.<br> Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Seller Comment (2025-11-18): Comment from [redacted]: COC with LE | 11/24/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

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| ![](ex99-01sch3_001.jpg) |
| **Valuation Report** |
| **Run Date - 1/13/2026 10:49:39 AM** |

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary 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** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J134 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.450% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 5.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J135 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.70 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J016 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J305 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J137 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 3.20 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J136 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J144 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J155 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.380% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J141 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J149 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 1.70 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |  |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.70 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J212 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J097 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J304 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J110 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J121 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J130 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J109 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J111 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J112 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J114 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J119 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J124 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J108 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J120 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J133 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J115 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J117 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J122 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J131 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J132 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J006 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J209 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J213 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J005 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J168 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.30 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J152 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J156 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 3.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J171 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.40 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J157 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J159 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J161 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J167 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.10 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 2.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 3.80 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J163 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J164 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J166 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.860% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 3.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J139 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J150 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.730% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J160 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J170 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.90 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J172 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 4.20 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J174 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J169 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 | 4.60 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J175 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |  |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J165 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J173 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

---

| |
|:---|
| ![](ex99-01sch4_001.jpg) |
| **Supplemental Data** |
| **Run Date - 1/13/2026 10:49:39 AM** |

---

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| **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** | **Total Number of Mortgaged Properties** |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J134 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28844.97 | $32738.43 |  | 8.082% | [Redacted] | [Redacted] | 7.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15722.10 | 1 | $28437.48 | $2499.96 | $2369.79 | $208.33 |  |  |  |  |  | 38.558% | 38.558% | 38.558% | 02/28/2024 | 700 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; WVOE - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2023 | [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Full Documentation (F) | 2yr Full Doc |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $28844.97 |  | 6.920% | $0.00 | 5 | LP / LPA |  | Accept/Ineligible | Yes | No | 7.750% | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 34 | 34 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.82 |  |  | No |  | $0.00 | $12794.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J135 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13590.00 | $20541.24 |  | 6.994% | [Redacted] | [Redacted] | 6.875% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12662.96 | 1 | $8900.88 | $6522.00 | $741.74 | $543.50 |  |  |  |  |  | 49.348% | 49.348% | 49.348% | 06/16/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $13590.00 |  | 6.750% | $0.00 | 2.7 | LP / LPA |  | Accept/Ineligible | No | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | [Redacted] | [Redacted] | 24.270% | No | 1 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 21.28 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J016 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $8250.78 |  | 6.277% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34855.50 | 1 | $7513.80 | $2967.96 | $626.15 | $247.33 |  |  |  |  |  | 18.276% | 18.276% | 18.276% | 07/17/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1990.00 |  | 6.750% | $8357.00 | 2.3 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 |  | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 94.850% | No | 31 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 133.61 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J305 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $5967.53 |  | 6.644% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $9631.40 | 1 | $4101.12 | $2742.36 | $341.76 | $228.53 |  |  |  |  |  | 44.629% | 44.629% | 44.629% | 06/23/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 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 | [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]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 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]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1695.00 |  | 6.570% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 7 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 45.670% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.87 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J142 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21759.68 | $21369.93 |  | 6.739% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16822.21 | 1 | $12927.00 | $4740.00 | $1077.25 | $395.00 |  |  |  |  |  | 37.887% | 37.887% | 37.887% | 06/04/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [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 | [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 |  | [Redacted] | $21759.68 |  | 6.790% | $25000.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 29.040% | No | 29 |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13.55 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J137 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2070.00 | $8373.73 |  | 6.550% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20333.24 | 1 | $17312.52 | $4838.04 | $1442.71 | $403.17 |  |  |  |  |  | 36.521% | 36.521% | 36.521% | 08/11/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<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]; 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 | Yes |  | [Redacted] | $2070.00 |  | 6.570% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | 6.500% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 53.730% | No | 12 | 31 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.08 |  | Yes | No |  | $0.00 | $17411.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J143 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16015.24 | $20524.97 |  | 6.330% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $34829.50 | 1 | $18919.80 | $2211.00 | $1576.65 | $184.25 |  |  |  |  |  | 30.342% | 30.342% | 30.342% | 08/23/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [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 |  | [Redacted] | $16015.24 |  | 6.630% | $0.00 | 3.2 | LP / LPA |  | Accept/Ineligible | No | No | 6.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 4 | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.23 |  |  | No |  | $0.00 | $33333.73 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J140 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1720.00 | $6878.86 |  | 6.658% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16983.71 | 1 | $24999.96 | $2448.00 | $2083.33 | $204.00 |  |  |  |  |  | 43.096% | 43.096% | 43.096% | 09/09/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1720.00 |  | 6.540% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 27.630% | No |  |  |  |  | Yes | Preliminary | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.25 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J136 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $995.00 | $179.69 |  | 6.625% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13399.38 | 1 | $36789.24 | $4329.96 | $3065.77 | $360.83 |  |  |  |  |  | 47.749% | 47.749% | 47.749% | 08/26/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [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]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $995.00 |  | 6.630% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.625% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10.31 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J147 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1050.00 | $17747.05 |  | 6.381% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $57470.24 | 1 | $50000.04 | $2811.72 | $4166.67 | $234.31 |  |  |  |  |  | 29.640% | 29.640% | 29.640% | 09/16/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1050.00 |  | 6.320% | $0.00 | 1 | LP / LPA |  | Accept/Ineligible | No | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 25.410% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 29.41 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J144 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $150.00 | $702.87 |  | 6.254% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $35439.09 | 1 | $9457.44 | $4362.36 | $788.12 | $363.53 |  |  |  |  |  | 20.819% | 20.819% | 20.819% | 09/11/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $150.00 |  | 6.540% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.97 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J151 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1395.00 | $8402.00 |  | 6.153% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $11567.89 | 1 | $9937.92 | $1341.96 | $828.16 | $111.83 |  |  |  |  |  | 44.170% | 44.170% | 44.170% | 09/11/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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 |  | [Redacted] | $1395.00 |  | 6.320% | $0.00 | 2.1 | DU |  | ApproveIneligible | Yes | No | 6.125% | 0 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 22.160% | No | 7 | 32 |  |  | 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 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 9.31 |  |  | No |  | $0.00 | $6049.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J155 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $13795.83 | $18522.85 |  | 5.907% | [Redacted] | [Redacted] | 5.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $8930.83 | 1 | $14559.24 | $1404.00 | $1213.27 | $117.00 |  |  |  |  |  | 49.259% | 49.259% | 49.259% | 09/24/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $13795.83 |  | 6.220% | $0.00 | 2.6 | LP / LPA |  | Accept/Eligible | No | No | 5.750% | 2 |  | 2 | 0 | 3 | 2 |  |  | 8.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J141 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1770.00 | $3590.10 |  | 6.161% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17959.51 | 1 | $8985.36 | $2084.04 | $748.78 | $173.67 |  |  |  |  |  | 27.816% | 27.816% | 27.816% | 09/08/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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 |  | [Redacted] | $1770.00 |  | 6.540% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 6.125% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 48.720% | No | 5 | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 42.76 |  |  | No |  | $0.00 | $13241.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J162 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3590.00 | $14102.21 |  | 6.530% | [Redacted] | [Redacted] | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27911.00 | 1 | $24950.76 | $2625.96 | $2079.23 | $218.83 |  |  |  |  |  | 36.690% | 36.690% | 36.690% | 08/06/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 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%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $3590.00 |  | 6.310% | $6250.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | 6.500% | 0 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 35.030% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 41.02 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J149 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2178.40 | $10133.91 |  | 6.156% | [Redacted] | [Redacted] | 6.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17255.36 | 1 | $15604.08 | $1673.16 | $1300.34 | $139.43 |  |  |  |  |  | 45.156% | 45.156% | 45.156% | 08/27/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $2178.40 |  | 6.320% | $0.00 | 1.7 | LP / LPA |  | Accept/Ineligible | No | No | 6.125% | 0 | 0 | 1 | 0 | 2 | 1 |  |  | 3.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | [Redacted] | [Redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  | 158.49 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J306 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1695.00 | $3286.47 |  | 6.396% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $19822.55 | 1 | $9901.08 | $0.00 | $825.09 | $0.00 |  |  |  |  |  | 36.343% | 36.343% | 36.343% | 08/19/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<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) - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 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]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1695.00 |  | 6.320% | $10000.00 |  | LP / LPA |  | Accept/Eligible | Yes | No | 6.375% | 0 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 93.720% | No |  | 31 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 114.04 |  | No | No |  | $4030.10 | $12764.75 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J056 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $761.03 | $4182.72 |  | 6.522% | [Redacted] | [Redacted] | 6.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15261.69 | 1 | $4563.12 | $4068.96 | $380.26 | $339.08 |  |  |  |  |  | 38.953% | 38.953% | 38.953% | 07/17/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [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 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $761.03 |  | 6.630% | $0.00 | 1.7 | DU |  | ApproveIneligible | No | No | 6.500% | 0 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 34.230% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.88 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J212 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11676.60 | $13776.95 |  | 6.985% | [Redacted] | [Redacted] | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13017.93 | 1 | $11514.60 | $4767.00 | $959.55 | $397.25 |  |  |  |  |  | 42.434% | 42.434% | 42.434% | 09/11/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $11676.60 |  | 6.310% | $5355.88 | 2.3 | DU |  | ApproveIneligible | N/A | No | 6.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 24.300% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.07 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J097 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2080.86 | $3593.40 |  | 6.403% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20096.83 | 1 | $8056.56 | $10495.08 | $671.38 | $874.59 |  |  |  |  |  | 41.744% | 41.744% | 41.744% | 07/25/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; 4506-C (for Business) - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 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]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $2080.86 |  | 6.320% | $5000.00 | 1.3 | DU |  | ApproveIneligible | No | No | 6.375% | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 8.13 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 32.410% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.15 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J304 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5065.09 | $11226.41 |  | 6.420% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $12939.37 | 1 | $1742.40 | $3321.24 | $145.20 | $276.77 |  |  |  |  |  | 39.114% | 39.114% | 39.114% | 08/13/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 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%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 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) - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 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> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 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<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $5065.09 |  | 6.320% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | 6.375% | 2 | 2 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 13 |  |  |  | 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 | 25.99 |  |  | No |  | $6689.19 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J110 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10520.00 | $11512.74 |  | 5.874% | [Redacted] | [Redacted] | 5.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $18031.90 | 1 | $7245.96 | $4085.04 | $603.83 | $340.42 |  |  |  |  |  | 33.151% | 33.151% | 33.151% | 07/29/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10520.00 |  | 6.320% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 5.750% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.06 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J121 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10547.25 | $11031.16 |  | 6.030% | [Redacted] | [Redacted] | 5.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $62312.84 | 1 | $9747.96 | $7438.92 | $812.33 | $619.91 |  |  |  |  |  | 42.323% | 42.323% | 42.323% | 08/29/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10547.25 |  | 6.570% | $0.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | 5.990% | 0 |  | 2 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 33.110% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.73 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J130 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15955.00 | $17852.52 |  | 6.259% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $38302.02 | 1 | $10924.68 | $18089.28 | $910.39 | $1507.44 |  |  |  |  |  | 32.504% | 32.504% | 32.504% | 08/28/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [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> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $15955.00 |  | 6.540% | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 100.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 183.64 |  | No | No |  | $43589.03 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J109 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17859.95 | $5138.90 |  | 6.662% | [Redacted] | [Redacted] | 6.625% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14850.01 | 1 | $10852.32 | $5896.08 | $904.36 | $491.34 |  |  |  |  |  | 42.735% | 42.735% | 42.735% | 09/16/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024 | [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> [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $17859.95 |  | 6.610% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.625% | 1 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.34 |  | No | No |  | $13626.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J111 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3275.00 | $2106.95 |  | 6.275% | [Redacted] | [Redacted] | 6.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25978.81 | 1 | $18776.04 | $4908.96 | $1564.67 | $409.08 |  |  |  |  |  | 32.536% | 32.536% | 32.536% | 08/13/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Borrower - \| Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [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 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3275.00 |  | 6.630% | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | 6.250% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 124.8 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J112 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3057.81 | $0.00 |  | 5.990% | [Redacted] | [Redacted] | 5.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $63087.09 | 1 | $7100.16 | $3876.00 | $591.68 | $323.00 |  |  |  |  |  | 19.387% | 19.387% | 19.387% | 08/13/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; 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 |  |  | [Redacted] | $3057.81 |  | 6.320% | $10000.00 | 3.1 | DU |  | ApproveIneligible | N/A | No | 5.990% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 425.3 |  | Yes | No |  | $0.00 | $26342.72 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J113 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3200.00 | $2832.25 |  | 6.390% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $2782330.75 | 1 | $53493.24 | $1001.04 | $4457.77 | $83.42 |  |  |  |  |  | 0.552% | 0.552% | 0.552% | 08/21/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<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%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 4506-C - 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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3200.00 |  | 6.610% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 349.97 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J114 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $30014.40 | $10820.25 |  | 6.830% | [Redacted] | [Redacted] | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $40927.24 | 1 | $8483.16 | $9396.84 | $706.93 | $783.07 |  |  |  |  |  | 35.138% | 35.138% | 35.138% | 08/17/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [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 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $30014.40 |  | 6.610% | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | 6.750% | 1 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 46.780% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 38.57 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J116 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $450.00 | $164.40 |  | 6.126% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22144.24 | 1 | $23231.16 | $3288.96 | $1935.93 | $274.08 |  |  |  |  |  | 42.984% | 42.984% | 42.984% | 08/29/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $450.00 |  | 6.570% | $1500.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 31.830% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.73 |  | No | No |  | ($1153.92) | $14666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J119 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10000.00 | $5045.71 |  | 6.392% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26693.62 | 1 | $24562.56 | $7711.08 | $2046.88 | $642.59 |  |  |  |  |  | 44.989% | 44.989% | 44.989% | 08/27/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [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]; W-2 - 2024<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%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $10000.00 |  | 6.630% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.375% | 1 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 40.190% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.91 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J124 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15492.28 | $15892.37 |  | 6.472% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $31136.21 | 1 | $26552.88 | $8031.96 | $2212.74 | $669.33 |  |  |  |  |  | 39.572% | 39.572% | 39.572% | 09/03/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Non-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]; 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]; 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 |  |  | [Redacted] | $15492.28 |  | 6.570% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 48.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 32.68 |  | Yes | No |  | $0.00 | $22968.40 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J128 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25.00 | $1172.25 |  | 6.126% | [Redacted] | [Redacted] | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $34352.80 | 1 | $15990.72 | $3741.00 | $1332.56 | $311.75 |  |  |  |  |  | 26.452% | 26.452% | 26.452% | 09/19/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $25.00 |  | 6.540% | $0.00 | 1.3 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 30.070% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 47.33 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J108 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1525.00 | $11522.25 |  | 6.022% | [Redacted] | [Redacted] | 5.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $13507.27 | 1 | $24999.96 | $3647.64 | $2083.33 | $303.97 |  |  |  |  |  | 44.743% | 44.743% | 44.743% | 08/04/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $1525.00 |  | 6.310% | $0.00 | 1.2 | DU |  | ApproveIneligible | N/A | No | 5.990% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 68.230% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 66.83 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J120 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3221.10 | $2064.30 |  | 6.403% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11356.09 | 1 | $24712.08 | $2208.96 | $2059.34 | $184.08 |  |  |  |  |  | 44.970% | 44.970% | 44.970% | 08/28/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024 | [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> [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3221.10 |  | 6.540% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  | 9 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.24 |  | No | No |  | ($5055.28) | $12133.80 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J125 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9.40 | $207.60 |  | 6.750% | [Redacted] | [Redacted] | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9444.99 | 1 | $15000.00 | $2505.96 | $1250.00 | $208.83 |  |  |  |  |  | 44.982% | 44.982% | 44.982% | 08/04/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $9.40 |  | 6.320% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.750% | 1 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 31.520% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.13 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J129 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22786.00 | $5112.03 |  | 6.420% | [Redacted] | [Redacted] | 6.375% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $28732.62 | 1 | $8876.52 | $2641.08 | $739.71 | $220.09 |  |  |  |  |  | 27.529% | 27.529% | 27.529% | 09/08/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 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]; VVOE - 2025 | [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> [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $22786.00 |  | 6.540% | $0.00 | 3.8 | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 33.470% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 39.93 |  | No | No |  | $0.00 | $39647.13 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J133 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4320.00 | $3340.00 |  | 6.159% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $33165.86 | 1 | $5531.28 | $4671.12 | $460.94 | $389.26 |  |  |  |  |  | 21.189% | 21.189% | 21.189% | 09/15/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; W-2 - 2024 | [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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $4320.00 |  | 6.320% | $0.00 | 3.1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 | 1 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.25 |  |  | No |  | $0.00 | $22275.71 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J115 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $250.00 | $4446.60 |  | 6.254% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $9413.70 | 1 | $10814.04 | $4999.56 | $901.17 | $416.63 |  |  |  |  |  | 43.285% | 43.285% | 43.285% | 08/22/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $250.00 |  | 6.610% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 |  | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.16 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J117 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3636.81 | $1812.98 |  | 6.141% | [Redacted] | [Redacted] | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $27420.65 | 1 | $10566.96 | $2253.84 | $880.58 | $187.82 |  |  |  |  |  | 23.801% | 23.801% | 23.801% | 08/28/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $3636.81 |  | 6.320% | $0.00 | 2.8 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.35 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J118 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19978.60 | $11006.51 |  | 6.447% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15308.65 | 1 | $17812.56 | $4069.20 | $1484.38 | $339.10 |  |  |  |  |  | 44.072% | 44.072% | 44.072% | 09/08/2025 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024 | [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]; 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $19978.60 |  | 6.630% | $0.00 | 3.7 | DU |  | ApproveIneligible | N/A | No | 6.375% | 1 | 0 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 32.260% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 35.32 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J122 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $430.00 | $1154.91 |  | 6.253% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18786.70 | 1 | $28374.96 | $2676.96 | $2364.58 | $223.08 |  |  |  |  |  | 44.322% | 44.322% | 44.322% | 09/02/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 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]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 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]; 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 |  |  | [Redacted] | $430.00 |  | 6.570% | $500.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.250% | 1 | 1 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 23.290% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.4 |  | Yes | No |  | $0.00 | $13065.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J123 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26500.00 | $863.93 |  | 6.252% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $40204.57 | 1 | $24696.60 | $6923.04 | $2058.05 | $576.92 |  |  |  |  |  | 32.323% | 32.322% | 32.322% | 09/03/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<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%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024 | [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]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<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]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $26500.00 |  | 6.540% | $0.00 | 2.2 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 48.78 |  | No | No |  | $46688.67 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 4 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J126 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6275.00 | $250.00 |  | 5.873% | [Redacted] | [Redacted] | 5.875% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $20808.76 | 1 | $34593.72 | $2638.08 | $2882.81 | $219.84 |  |  |  |  |  | 41.108% | 41.108% | 41.108% | 09/01/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2023<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%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<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]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 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]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 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 |  |  | [Redacted] | $6275.00 |  | 6.540% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | 5.875% | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] | 64.010% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.27 |  | Yes | No |  | $18342.62 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J127 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10525.00 | $2865.26 |  | 6.608% | [Redacted] | [Redacted] | 6.625% | No | No | Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | $16270.31 | 1 | $9430.68 | $1968.96 | $785.89 | $164.08 |  |  |  |  |  | 37.189% | 37.189% | 37.189% | 09/08/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025 | [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 |  |  | [Redacted] | $10525.00 |  | 6.540% | $0.00 | 5 | DU |  | ApproveEligible | N/A | No | 6.625% | 2 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 22.83 |  | No | No |  | $0.00 | $6360.17 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J131 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7600.00 | $7600.00 |  | 6.196% | [Redacted] | [Redacted] | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $10848.29 | 1 | $15360.00 | $2478.12 | $1280.00 | $206.51 |  |  |  |  |  | 41.948% | 41.948% | 41.948% | 09/11/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $7600.00 |  | 6.540% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 2 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 41.78 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J132 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2715.00 | $2715.00 |  | 5.977% | [Redacted] | [Redacted] | 5.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24910.25 | 1 | $18592.80 | $1086.96 | $1549.40 | $90.58 |  |  |  |  |  | 23.903% | 23.903% | 23.903% | 09/14/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [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]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<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]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | [Redacted] | $2715.00 |  | 6.320% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 5.990% | 1 | 1 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | [Redacted] | [Redacted] |  | No | 32 | 32 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.86 |  |  | No |  | $0.00 | $14899.24 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J006 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1325.00 | $7526.52 |  | 6.138% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21429.75 | 1 | $22911.00 | $1634.04 | $1909.25 | $136.17 |  |  |  |  |  | 36.505% | 36.505% | 36.505% | 09/11/2025 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<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]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1325.00 |  | 6.540% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 6.125% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 33.870% | No | 0 | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 21.39 |  |  | No |  | $0.00 | $18041.70 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J209 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9465.00 | $13380.70 |  | 6.465% | [Redacted] | [Redacted] | 6.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $23001.24 | 1 | $23279.04 | $1467.00 | $1939.92 | $122.25 |  |  |  |  |  | 33.301% | 33.301% | 33.301% | 09/15/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $9465.00 |  | 6.320% | $0.00 | 1.8 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 39.380% | No | 34 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.72 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J213 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8684.36 | $11722.11 |  | 5.970% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $19866.33 | 1 | $4623.48 | $1637.76 | $385.29 | $136.48 |  |  |  |  |  | 36.428% | 36.428% | 36.428% | 09/29/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redacted] | $8684.36 |  | 6.310% | $0.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | 5.875% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 21.260% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.31 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J298 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1748.00 | $4456.27 |  | 6.647% | [Redacted] | [Redacted] | 6.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $79841.18 | 1 | $2355.12 | $2829.96 | $196.26 | $235.83 |  |  |  |  |  | 10.764% | 10.764% | 10.764% | 09/30/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; 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 - 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<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2021 | [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]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1748.00 |  | 6.310% | $0.00 | 3.1 | DU |  | ApproveIneligible | N/A | No | 6.625% | 4 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 69.920% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 84.39 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J307 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7035.75 | $9704.22 |  | 6.344% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $15553.26 | 1 | $6324.36 | $2035.92 | $527.03 | $169.66 |  |  |  |  |  | 39.451% | 39.451% | 39.451% | 08/26/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [Borrower - \| Non-Primary Income - VA Service Related Disability]; D1C Income Verification Report - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - Pension]; D1C Income Verification Report - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 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]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | [Redacted] | $7035.75 |  | 6.570% | $33500.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 31.290% | No | 3 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 15.15 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J005 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1325.00 | $4345.05 |  | 6.141% | [Redacted] | [Redacted] | 6.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $26166.04 | 1 | $15204.00 | $4283.16 | $1267.00 | $356.93 |  |  |  |  |  | 31.926% | 31.926% | 31.926% | 07/01/2025 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1325.00 |  | 6.310% | $272245.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 1 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 97.920% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 124.25 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J146 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12270.00 | $7335.11 |  | 6.415% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13813.79 | 1 | $9978.00 | $1969.32 | $831.50 | $164.11 |  |  |  |  |  | 38.740% | 38.740% | 38.740% | 09/15/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $12270.00 |  | 6.320% | $17000.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 46.760% | No |  |  |  |  | Yes | Preliminary | 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 |  |  |  |  |  |  |  |  |  |  |  | 25.11 |  |  | No |  | $10882.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J138 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1575.00 | $5692.88 |  | 6.026% | [Redacted] | [Redacted] | 6.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $15848.04 | 1 | $6681.00 | $2813.04 | $556.75 | $234.42 |  |  |  |  |  | 37.312% | 37.312% | 37.312% | 09/03/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Employer Letter - 2022 | [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 |  | [Redacted] | $1575.00 |  | 6.540% | $5000.00 | 1.1 | DU |  | ApproveIneligible | N/A | No | 6.000% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 48.170% | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.01 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J168 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1395.00 | $4780.92 |  | 6.522% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22290.66 | 1 | $6208.56 | $7449.96 | $517.38 | $620.83 |  |  |  |  |  | 42.542% | 42.542% | 42.542% | 08/29/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; 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]; 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]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1395.00 |  | 6.310% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 100.000% | No | 20 | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 256.13 |  | No | No |  | $0.00 | $15621.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J152 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20133.60 | $22688.18 |  | 6.028% | [Redacted] | [Redacted] | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24680.13 | 1 | $20303.64 | $5729.04 | $1691.97 | $477.42 |  |  |  |  |  | 27.968% | 27.968% | 27.968% | 07/20/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $20133.60 |  | 6.220% | $5000.00 | 2.8 | DU |  | ApproveIneligible | No | No | 5.875% | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 40.250% | 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 |  |  |  |  |  |  |  |  |  |  |  | 31.89 |  |  | No |  | $0.00 | $16666.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J156 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4024.00 | $13102.91 |  | 6.311% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $81203.62 | 1 | $9916.92 | $8454.00 | $826.41 | $704.50 |  |  |  |  |  | 22.508% | 22.508% | 22.508% | 09/11/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Primary Income - C-Corp]; Other - 2025<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 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<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $4024.00 |  | 6.310% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 8.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 369.76 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J154 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12872.00 | $17735.58 |  | 6.236% | [Redacted] | [Redacted] | 6.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $46223.69 | 1 | $23313.48 | $14896.08 | $1942.79 | $1241.34 |  |  |  |  |  | 37.308% | 37.308% | 37.308% | 10/07/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 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-T (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 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-T (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 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-T (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Tax Return Extension - 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]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Tax Return Extension - 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 |  | [Redacted] | $12872.00 |  | 6.220% | $55000.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.125% | 3 | 0 | 2 | 0 | 3 | 2 |  |  | 9.17 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 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 |  |  |  |  |  |  |  |  |  |  |  | 149.49 |  | Yes | No |  | $53826.84 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 8 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J158 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2733.00 | $6205.40 |  | 6.295% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $7197.19 | 1 | $11524.32 | $2009.04 | $960.36 | $167.42 |  |  |  |  |  | 49.787% | 49.787% | 49.787% | 10/17/2025 | 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]; 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $2733.00 |  | 6.310% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 57.340% | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.28 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J171 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $1650.68 |  | 6.379% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $29993.73 | 1 | $4422.48 | $1152.00 | $368.54 | $96.00 |  |  |  |  |  | 25.669% | 25.669% | 25.669% | 09/12/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 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%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] |  |  | 6.320% | $0.00 | 3.4 | DU |  | ApproveIneligible | No | No | 6.375% | 1 | 0 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  | 7 |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 61.54 |  | No | No |  | $0.00 | $20833.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J157 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1820.00 | $6547.96 |  | 6.269% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $16124.39 | 1 | $3839.64 | $3116.04 | $319.97 | $259.67 |  |  |  |  |  | 47.394% | 47.394% | 47.394% | 09/22/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 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<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2023<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 |  | [Redacted] | $1820.00 |  | 6.310% | $0.00 | 3 | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 25.360% | No | 26 | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  | 17.24 |  | Yes | No |  | $0.00 | $14639.57 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J159 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2071.75 | $4785.91 |  | 6.275% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $25170.79 | 1 | $16458.36 | $6281.04 | $1371.53 | $523.42 |  |  |  |  |  | 41.402% | 41.402% | 41.402% | 09/30/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 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> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2015<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2015 | [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 |  | [Redacted] | $2071.75 |  | 6.310% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 8.16 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J145 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17649.38 | $18817.82 |  | 5.930% | [Redacted] | [Redacted] | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24433.13 | 1 | $13614.12 | $3603.96 | $1134.51 | $300.33 |  |  |  |  |  | 22.489% | 22.489% | 22.489% | 09/15/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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> [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]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 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 |  | [Redacted] | $17649.38 |  | 6.320% | $0.00 | 1 | LP / LPA |  | Accept/Ineligible | Yes | No | 5.750% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 10 | 0 |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 52.07 |  |  | No |  | $0.00 | $15739.23 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J176 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1595.00 | $4339.76 |  | 6.271% | [Redacted] | [Redacted] | 6.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $13528.73 | 1 | $3017.04 | $3087.96 | $251.42 | $257.33 |  |  |  |  |  | 44.233% | 44.233% | 44.233% | 08/12/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [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 |  | [Redacted] | $1595.00 |  | 6.320% | $2000.00 | 2.6 | LP / LPA |  | Accept/Ineligible | No | No | 6.250% | 0 | 2 | 1 | 0 | 3 | 0 |  |  | 7.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 20.850% | No |  | 31 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 43.84 |  | Yes | No |  | $0.00 | $15500.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J161 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1745.00 | $3046.92 |  | 6.268% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $26251.62 | 1 | $14361.24 | $3360.36 | $1196.77 | $280.03 |  |  |  |  |  | 25.916% | 25.916% | 25.916% | 09/26/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<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 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 - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1745.00 |  | 6.310% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 6.250% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  | 32 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.43 |  |  | No |  | $0.00 | $12721.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J167 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19453.52 | $7620.56 |  | 6.551% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $30689.73 | 1 | $7357.80 | $2162.28 | $613.15 | $180.19 |  |  |  |  |  | 31.512% | 31.512% | 31.512% | 10/06/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $19453.52 |  | 6.310% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | 6.500% | 2 | 2 | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 38.500% | 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 |  |  |  |  |  |  |  |  |  |  |  | 30.82 |  | Yes | No |  | $25073.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J153 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2220.00 | $10680.75 |  | 6.420% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $21035.55 | 1 | $27500.04 | $5470.08 | $2291.67 | $455.84 |  |  |  |  |  | 45.035% | 45.035% | 45.035% | 09/23/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Annuity]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 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]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<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]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Full Doc 1yr - AUS |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $2220.00 |  | 6.220% | $216500.00 | 2.6 | DU |  | ApproveIneligible | No | No | 6.375% | 0 | 0 | 1 | 0 | 2 | 2 |  |  | 8.97 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 63.520% | No |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 82.99 |  | Yes | No |  | $10588.77 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J148 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $0.00 | $2375.77 |  | 6.261% | [Redacted] | [Redacted] | 6.250% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $22154.86 | 1 | $4485.96 | $1634.52 | $373.83 | $136.21 |  |  |  |  |  | 39.392% | 39.392% | 39.392% | 09/17/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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]; 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]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Tax Return Extension - 2024<br> [Coborrower]; Transcripts (1040) - 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 |  | [Redacted] |  |  | 6.320% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | 6.250% | 0 | 2 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 74.510% | No |  | 32 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  | 101.58 |  | No | No |  | $0.00 | $36554.60 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J163 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1845.00 | $3581.93 |  | 6.280% | [Redacted] | [Redacted] | 6.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $21008.79 | 1 | $12164.40 | $4143.96 | $1013.70 | $345.33 |  |  |  |  |  | 27.841% | 27.841% | 27.841% | 09/22/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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]; W-2 - 2024<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 |  | [Redacted] | $1845.00 |  | 6.310% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | 6.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 22 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.71 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J164 | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $2070.00 | $2830.96 |  | 6.279% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $10106.99 | 1 | $13250.64 | $1881.00 | $1104.22 | $156.75 |  |  |  |  |  | 39.130% | 39.130% | 39.130% | 10/06/2025 | 820 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $2070.00 |  | 6.290% | $0.00 | 1 | DU |  | ApproveEligible | No | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.08 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J166 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3739.97 | $9510.07 |  | 6.555% | [Redacted] | [Redacted] | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $16085.07 | 1 | $14349.84 | $4538.04 | $1195.82 | $378.17 |  |  |  |  |  | 35.660% | 35.660% | 35.660% | 08/22/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 - 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) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $3739.97 |  | 6.630% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | 6.500% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 151.12 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J139 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $4039.57 |  | 6.145% | [Redacted] | [Redacted] | 6.125% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14093.83 | 1 | $13126.68 | $3030.96 | $1093.89 | $252.58 |  |  |  |  |  | 38.275% | 38.275% | 38.275% | 09/08/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [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 | Yes |  | [Redacted] | $1770.00 |  | 6.540% | $0.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | 6.125% | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 341.2 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J150 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1770.00 | $2727.41 |  | 6.517% | [Redacted] | [Redacted] | 6.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $18333.94 | 1 | $11817.24 | $2822.04 | $984.77 | $235.17 |  |  |  |  |  | 42.492% | 42.492% | 42.492% | 09/17/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [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> [Coborrower]; 1040 - 2024<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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1770.00 |  | 6.320% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | 6.500% | 1 | 1 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 32 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 45.45 |  | No | No |  | $0.00 | $10213.76 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J160 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4314.00 | $7605.97 |  | 6.422% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $14994.17 | 1 | $10215.96 | $1580.04 | $851.33 | $131.67 |  |  |  |  |  | 41.847% | 41.847% | 41.847% | 10/16/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 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 |  | [Redacted] | $4314.00 |  | 6.310% | $0.00 | 1.7 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 49.670% | No | 33 | 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 |  |  |  |  |  |  |  |  |  |  |  | 20.15 |  | No | No |  | $0.00 | $11917.51 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J170 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11164.30 | $13156.71 |  | 6.501% | [Redacted] | [Redacted] | 6.375% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17284.53 | 1 | $12265.32 | $11170.92 | $1022.11 | $930.91 |  |  |  |  |  | 40.291% | 40.291% | 40.291% | 10/14/2025 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Paystubs - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $11164.30 |  | 6.240% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | 6.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 45.740% | 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 |  |  |  |  |  |  |  |  |  |  |  | 16.74 |  | No | No |  | $2242.70 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J172 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11228.97 | $12651.93 |  | 5.992% | [Redacted] | [Redacted] | 5.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $11879.61 | 1 | $7025.88 | $2886.96 | $585.49 | $240.58 |  |  |  |  |  | 44.685% | 44.685% | 44.685% | 10/09/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<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]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 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 |  | [Redacted] | $11228.97 |  | 6.240% | $15000.00 | 4.2 | DU |  | ApproveIneligible | No | No | 5.875% | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 36.330% | No | 33 | 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 |  |  |  |  |  |  |  |  |  |  |  | 11.4 |  |  | No |  | $0.00 | $7014.08 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J174 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1680.00 | $3752.72 |  | 6.390% | [Redacted] | [Redacted] | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $54000.80 | 1 | $12606.00 | $2631.84 | $1050.50 | $219.32 |  |  |  |  |  | 33.286% | 33.286% | 33.286% | 09/19/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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%)]; 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%)]; 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 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - 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]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1680.00 |  | 6.240% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.375% | 2 |  | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 41.690% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.89 |  | No | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J169 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20433.75 | $16070.66 |  | 5.831% | [Redacted] | [Redacted] | 5.750% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $24504.57 | 1 | $9888.48 | $4466.04 | $824.04 | $372.17 |  |  |  |  |  | 35.460% | 35.460% | 35.460% | 10/16/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; 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 - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $20433.75 |  | 6.290% | $35000.00 | 4.6 | DU |  | ApproveIneligible | No | No | 5.750% | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 44.420% | No |  | 34 |  |  | Yes | Short Form | 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 |  |  |  |  |  |  |  |  |  |  |  | 35.67 |  | No | No |  | $0.00 | $22968.18 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J175 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1632.00 | $7057.84 |  | 6.266% | [Redacted] | [Redacted] | 6.250% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $17628.86 | 1 | $4164.48 | $1808.04 | $347.04 | $150.67 |  |  |  |  |  | 33.317% | 33.317% | 33.317% | 09/15/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1632.00 |  | 6.240% | $0.00 |  | DU |  | ApproveIneligible | No | No | 6.250% | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.39 |  |  | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J165 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5167.83 | $5338.31 |  | 6.411% | [Redacted] | [Redacted] | 6.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | $41066.81 | 1 | $19155.96 | $3891.00 | $1596.33 | $324.25 |  |  |  |  |  | 21.379% | 21.379% | 21.379% | 10/01/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - K-1 (< 25%)]; Other - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 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 |  | [Redacted] | $5167.83 |  | 6.240% | $0.00 | 4.2 | DU |  | ApproveIneligible | N/A | No | 6.375% | 1 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] |  | No | 33 | 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 |  |  |  |  |  |  |  |  |  |  | No | 87.79 |  |  | No |  | $38928.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| [Redacted] | [Redacted] | [Redacted] | OBX2026J173 | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1990.00 | $0.00 |  | 5.833% | [Redacted] | [Redacted] | 5.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $88367.18 | 1 | $18926.52 | $6755.40 | $1577.21 | $562.95 |  |  |  |  |  | 14.996% | 14.996% | 14.996% | 08/11/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | [Redacted] | $1990.00 |  | 6.240% | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | 5.875% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | [Redacted] | [Redacted] | 71.560% | No | 31 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.04 |  | Yes | No |  | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| |
|:---|
| ![](ex99-01sch5_001.jpg) |
| **Data Compare (Non-Ignored)** |
| **Run Date - 1/13/2026 10:51:23 AM** |

---

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J135 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J016 | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J016 | Investor: Qualifying Total Debt Ratio | 20.4408 | 18.27552 | Verified | Per AUS DTI is 18.28% and calculated DTI is 18.28% |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J305 | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J142 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J142 | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J137 | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J137 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J140 | Original Interest Rate | 6.75 | 6.625 | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J140 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J136 | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J147 | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J147 | Investor: Qualifying Total Debt Ratio | 34.47 | 29.64044 | Verified | Field value within 2% of the AUS |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J144 | Original CLTV | 67.9 | 61.28293 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J144 | Original LTV | 67.9 | 61.28293 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J144 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J151 | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J151 | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J151 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J151 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J155 | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J155 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J162 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J162 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J162 | Investor: Qualifying Total Debt Ratio | 42.76 | 36.69026 | Verified | Fields Value Matches AUS |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J306 | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J306 | Property Type | PUD | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J306 | Investor: Qualifying Total Debt Ratio | 39.76 | 36.34293 | Verified | DTI matches with Lender's calculation |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J306 | Decision System | DU | LP / LPA | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J056 | Note Date |  | [Redacted] | Verified | The Bid Tape Field Value was not provided. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J056 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J056 | Investor: Qualifying Total Debt Ratio | 36.655 | 38.95324 | Verified | Field Value DTI matches 1008 DTI. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J212 | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J097 | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J304 | State | [Redacted] | [Redacted] | Verified | Field Value reflects State per Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J304 | Note Date |  | [Redacted] | Verified | Field Value reflects Note Date per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J304 | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J121 | Investor: Qualifying Total Debt Ratio | 0.42323 | 42.32291 | Verified | Tape data decimal point is in the incorrect position |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J109 | Investor: Qualifying Total Debt Ratio | 0.42735 | 42.73527 | Verified | Tape Data decimal point is in the incorrect position. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J114 | Investor: Qualifying Total Debt Ratio | 0.34322 | 35.13805 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J124 | Investor: Qualifying Total Debt Ratio | 0.39654 | 39.57145 | Verified | Tape Data decimal point is in the incorrect position. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J108 | Investor: Qualifying Total Debt Ratio | 0.44743 | 44.74313 | Verified | Alternate format, not a true discrepancy |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J120 | Investor: Qualifying Total Debt Ratio | 0.4497 | 44.97027 | Verified | Tape data decimal point is in the incorrect position |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J133 | Investor: Qualifying Total Debt Ratio | 0.21189 | 21.18892 | Verified | Tape Data decimal point is in the incorrect position. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J006 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J006 | Investor: Qualifying Total Debt Ratio | 24.2854 | 36.5045 | Verified | Field Value DTI matches 1008 DTI. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J209 | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J298 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J298 | Investor: Qualifying Total Debt Ratio | 41.983 | 10.76428 | Verified | Field Value DTI matches 1008 DTI. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J307 | Note Date |  | [Redacted] | Verified | Bid Tape Field Value is blank. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J307 | Investor: Qualifying Total Debt Ratio | 41.8 | 39.45064 | Verified | Field Value DTI matches 1008 DTI. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J005 | Investor: Qualifying Total Debt Ratio | 34.5342 | 31.92575 | Verified | Field Value DTI matches 1008 DTI. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J146 | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J138 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J138 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J152 | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J152 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J152 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J156 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J156 | Original CLTV | 25.97 | 28.1407 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J156 | Original LTV | 25.97 | 28.1407 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J156 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J154 | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J154 | Representative FICO | 734 | 752 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Representative FICO | 804 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Original CLTV | 72.75 | 64.2 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Original LTV | 72.75 | 64.2 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J158 | Investor: Qualifying Total Debt Ratio | 44.57 | 49.78703 | Verified | DTI matches the lender's 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J171 | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J171 | Investor: Qualifying Total Debt Ratio | 45 | 25.66903 | Verified | Data Updated correctly in the system. |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J157 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J157 | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J157 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J157 | Investor: Qualifying Total Debt Ratio | 40.65 | 47.39368 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J159 | Refi Purpose | Limited Cash-out GSE | 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 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J145 | Refi Purpose | Limited Cash-out GSE | 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 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J145 | Original CLTV | 75 | 72.11538 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J145 | Original LTV | 75 | 72.11538 | Verified | Tape Value reflects the CLTV value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J145 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J176 | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J176 | Representative FICO | 804 | 808 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J176 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J161 | Original CLTV | 41.09 | 39.60396 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J161 | Original LTV | 41.09 | 39.60396 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J161 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J167 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J167 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J153 | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J153 | Original CLTV | 75 | 79.54545 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J153 | Original LTV | 75 | 79.54545 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J153 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J153 | Investor: Qualifying Total Debt Ratio | 49.99 | 45.0351 | Verified | Field Data matches to Lender's 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J148 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J163 | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J163 | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J163 | Refi Purpose | Rate/Term | Limited Cash-out GSE | Verified | Per job notes |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J163 | Investor: Qualifying Total Debt Ratio | 30.73 | 27.84097 | Verified | Field Value DTI is lower but matches the 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J164 | Original Interest Rate | 6.375 | 6.25 | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J164 | Representative FICO | 773 | 820 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J164 | Original CLTV | 64.23 | 57.58621 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J164 | Original LTV | 64.23 | 57.58621 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J164 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J166 | PMI Coverage % | 0 |  | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J139 | Original CLTV | 60 | 62.56684 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J139 | Original LTV | 60 | 62.56684 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J139 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J139 | Investor: Qualifying Total Debt Ratio | 32.38 | 38.27522 | Verified | DTI matches the 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J150 | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J150 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J150 | Refi Purpose | Limited Cash-out GSE | 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 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J150 | Original CLTV | 64.61 | 73.27586 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J150 | Original LTV | 64.61 | 73.27586 | Verified | Unable to verify due to missing information |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J150 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J160 | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J160 | Representative FICO | 725 | 784 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J160 | Original CLTV | 62.03 | 59.55335 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J160 | Original LTV | 62.03 | 59.55335 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J160 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J160 | Investor: Qualifying Total Debt Ratio | 37.45 | 41.8474 | Verified | DTI matches the lender's 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J170 | Investor: Qualifying Total Debt Ratio | 37.63 | 40.29049 | Verified | Field value within 1% of 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J169 | Representative FICO | 796 | 790 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J169 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J169 | Investor: Qualifying Total Debt Ratio | 38.4 | 35.46025 | Verified | Field data matches Lenders qualifying DTI |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J175 | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J165 | Original Loan Amount | [Redacted] | [Redacted] | Verified | Field Value reflects the Note value |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J165 | Refi Purpose | Limited Cash-out GSE | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J165 | Original CLTV | 72.43 | 70.65789 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J165 | Original LTV | 72.43 | 70.65789 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J165 | LTV Valuation Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J165 | Investor: Qualifying Total Debt Ratio | 30.05 | 21.37892 | Verified | DTI Matches with 1008 |
| [Redacted] | [Redacted] | [Redacted] |  | OBX2026J173 | Mortgage Type | Conventional with MI | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |

---

## Exhibit 99.2

**Exhibit 99.2**

**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 223 residential mortgage loans in connection with the securitization identified as OBX 2026-J1 (the "Securitization").

Credit, Compliance, Property Valuation, and Data Integrity reviews were performed on a population of 223 loans. Credit, Compliance, Property Valuation, Data Integrity, Pay History, and Tax and Title reviews were performed on a population of 3 loans.

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

c. Review borrower's occupancy

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

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

f. Confirm that Final 1003 is sufficiently completed

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

h. Confirm Loan Approval conditions were met

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing for First Lien Loans:

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing for Subordinate Lien Loans:

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

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

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

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

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

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

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

○ The consumer's debt obligations, alimony, child support; and

○ 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 (223 loans in total):

Three (3) loans had a Secondary Appraisal, four (4) loans had an AVM, two hundred twenty-one (221) loans had Desktop Reviews, and zero (0) 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 were zero (0) occurrences 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 twenty-three (223) mortgage loans reviewed, one hundred thirty-three (133) unique mortgage loans (59.64% by loan count) had a total of four hundred sixteen (416) discrepancies across twenty-five (25) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;114 | &nbsp;&nbsp;27.40% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;61 | &nbsp;&nbsp;14.66% |
| &nbsp;&nbsp;Qualifying Interest Rate | &nbsp;&nbsp;57 | &nbsp;&nbsp;13.70% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;53 | &nbsp;&nbsp;12.74% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;53 | &nbsp;&nbsp;12.74% |
| &nbsp;&nbsp;Total Monthly Property Insurance Amount | &nbsp;&nbsp;27 | &nbsp;&nbsp;6.49% |
| &nbsp;&nbsp;Total Closing Costs | &nbsp;&nbsp;15 | &nbsp;&nbsp;3.61% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.16% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.20% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.72% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Escrow Indicator | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Secondary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**416** | &nbsp;&nbsp;**100.00%** |

---

**PAY HISTORY REVIEW RESULTS SUMMARY**

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

**TAX AND TITLE REVIEW RESULTS SUMMARY**

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

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 214 | $264299555.00 | 95.96% |
| Event Grade B | 9 | $9482519.00 | 4.04% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 223 | $273782074.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 221 | 99.10% |
| Event Grade B | 2 | 0.90% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 223 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 217 | 97.31% |
| Event Grade B | 6 | 2.69% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 223 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 222 | 99.55% |
| Event Grade B | 1 | 0.45% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 223 | 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;223 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;20 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing US Patriot Act Disclosure or ID | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Borrower Liabilities Missing or Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Executed 4506-T Missing | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;SCIF Document Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Discrepancy(s) Noted | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ULI Number on URLA does not match ULI Number provided by the Lender | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan has escrow holdback. No proof it was released provided in file | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited CLTV Exceeds AUS CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited HCLTV Exceeds AUS HCLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited LTV Exceeds AUS LTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Taxpayer First Act Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than AUS Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Paystubs Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster - For Information Only | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Insurance Policy Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Property Tax Cert | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report is Only Partially Available | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Award Letter Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Coverage is Not Sufficient. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Purchase Contract is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Disbursement Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Tax Returns Not Signed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 Tax Returns Not Signed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 1 Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***348*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late <br> (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% 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;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Colo. Rev. Stat. § 12-61-904.5 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID Disclosure Delivery and Receipt Date Validation 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;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Right of Rescission is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA Per Diem Interest Amount Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Disbursement Date is missing or inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Form/disclosure deficiency | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Final CD: Loan Disclosures Assumption incomplete or inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Affiliated Business Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Homeownership Counseling Disclosure Is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***62*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late <br> (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product Not Provided within 10% Tolerance | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Third Party Valuation Product not Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;The appraiser was not licensed (Primary Value) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***20*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Appraisal Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**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 99.2

**Exhibit 99.2 Schedule 1**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| OBX2026J232 | Total Monthly Property Insurance Amount | 295.29 | 295.28 | Rounding |
| OBX2026J232 | Total Qualified Assets Post-Close | 120915.91 | 487608.66 | Per final closing disclosure |
| OBX2026J302 | Total Monthly Property Insurance Amount | 354.46 | 250 | Per HOI policy |
| OBX2026J302 | Total Qualified Assets Post-Close | 630084.57 | 1020020.46 | Per asset documents |
| OBX2026J052 | Borrower 1 Marital Status | XXX | XXX | Per Final 1003 |
| OBX2026J052 | Total Qualified Assets Post-Close | 568307.87 | 651761.66 | Per asset documents |
| OBX2026J052 | Qualifying Total Debt Income Ratio | 48.24 | 49 | Rounding |
| OBX2026J267 | Qualifying Total Debt Income Ratio | 37.14 | 34.37 |  |
| OBX2026J103 | Total Qualified Assets Post-Close | 1111128.88 | 1299323.45 | Per asset documents |
| OBX2026J103 | Qualifying Total Debt Income Ratio | 43.82 | 44 | Rounding |
| OBX2026J247 | Qualifying LTV | 73.82 | 74 | Rounding |
| OBX2026J247 | Qualifying CLTV | 73.82 | 74 | Rounding |
| OBX2026J247 | Total Qualified Assets Post-Close | 3627548.67 | 3638356.21 | Per asset documents |
| OBX2026J019 | Total Qualified Assets Post-Close | 453745.39 | 873831.92 | Per asset documents |
| OBX2026J019 | Qualifying Total Debt Income Ratio | 26.18 | 26.19 | Rounding |
| OBX2026J224 | Property Zip Code | XXX | XXX | Per note |
| OBX2026J224 | Total Monthly Property Insurance Amount | 223.92 | 151.33 | Per HOI policy in file |
| OBX2026J224 | Total Qualified Assets Post-Close | 93626.98 | 332354.5 | Per asset documents |
| OBX2026J179 | Total Qualified Assets Post-Close | 114642.07 | 462642.06 | Per asset documents |
| OBX2026J179 | Qualifying Total Debt Income Ratio | 49.76 | 49.65 | The lender calculated lower T&I for investment property XXX of XXX and the audit underwriter verified a higher amount of $XXX. The variance of XXX% is within tolerance and no further actions taken. |
| OBX2026J261 | Qualifying FICO | 796 | 0 | Per note |
| OBX2026J261 | Qualifying Total Debt Income Ratio | 40.91 | 0 | Lender P&I = XXX Note = $XXX. The recalculated DTI based on P&I per note resulted in a lower DTI of XXX%. The variance of XXX% is within tolerance - no further actions taken. |
| OBX2026J066 | Total Qualified Assets Post-Close | 217917.2 | 507419.04 | Per asset documents |
| OBX2026J066 | Qualifying Total Debt Income Ratio | 36.22 | 36 | Rounding |
| OBX2026J202 | Qualifying FICO | 798 | 0 | Per credit report |
| OBX2026J202 | Qualifying Total Debt Income Ratio | 40.26 | 0 | DTI = XXX% per AUS and XXX |
| OBX2026J180 | Total Qualified Assets Post-Close | 424445.59 | 428401.8 | Per asset document |
| OBX2026J180 | Qualifying Total Debt Income Ratio | 42.03 | 42 | Rounding |
| OBX2026J024 | Total Closing Costs | 23470.21 | 34271 | Per PCCD |
| OBX2026J024 | Qualifying FICO | 800 | 0 | Per credit report |
| OBX2026J024 | Total Monthly Property Insurance Amount | 447.5 | 200 | HOI plus flood insurance =$XXX |
| OBX2026J178 | Total Closing Costs | 16295.07 | 6385 | Per final closing diclosure |
| OBX2026J178 | Total Qualified Assets Post-Close | 146701.28 | 358896.8 | Per asset documents |
| OBX2026J201 | Total Monthly Property Insurance Amount | 203.17 | 203.16 | Due to rounding |
| OBX2026J201 | Total Qualified Assets Post-Close | 566246.13 | 917945.35 | Confirmed with system calculations. |
| OBX2026J072 | Total Qualified Assets Post-Close | 105215.25 | 106943.88 | Per asset documentation |
| OBX2026J072 | Qualifying Total Debt Income Ratio | 41.94 | 40.58 | The lender calculated DTI using XXX% of the outstanding student loan balance instead of XXX% as required by the FNMA Selling Guide. Using XXX% increased the DTI by XXX%. Since the variance is under XXX% it is within tolerance—no further action required. |
| OBX2026J244 | Total Qualified Assets Post-Close | 258839.21 | 481284.68 | Per asset documents |
| OBX2026J027 | Qualifying CLTV | 74.48 | 74.47 | Rounding |
| OBX2026J027 | Qualifying LTV | 74.48 | 74.47 | Rounding |
| OBX2026J027 | Total Qualified Assets Post-Close | 989746.2 | 1029018.46 | Per asset documents |
| OBX2026J027 | Qualifying Total Debt Income Ratio | 20.29 | 20 | Rounding |
| OBX2026J087 | Qualifying CLTV | 62.14 | 63 |  |
| OBX2026J087 | Qualifying LTV | 62.14 | 63 |  |
| OBX2026J087 | Total Qualified Assets Post-Close | 228062.78 | 255345.35 |  |
| OBX2026J087 | Qualifying Total Debt Income Ratio | 41.07 | 40.4 |  |
| OBX2026J031 | Qualifying CLTV | 35.89 | 36 | Due to rounding |
| OBX2026J031 | Qualifying LTV | 35.89 | 36 | Due to rounding |
| OBX2026J031 | Total Qualified Assets Post-Close | 1359417.38 | 1410078.45 | Confirmed with system calculations. |
| OBX2026J031 | Qualifying Total Debt Income Ratio | 14.97 | 14.55 |  |
| OBX2026J002 | Total Closing Costs | 58068.67 | 21672.5 | Confirmed with Final CD. |
| OBX2026J002 | Borrower 1 FTHB | false | true | Confirmed |
| OBX2026J002 | Total Qualified Assets Post-Close | 107923.49 | 342549.16 | Confirmed with system calculations |
| OBX2026J002 | Qualifying Total Debt Income Ratio | 37.64 | 37.65 | Due to rounding |
| OBX2026J070 | Qualifying CLTV | 78.51 | 78.42 | Confirmed |
| OBX2026J070 | Qualifying LTV | 78.51 | 78.42 | Confirmed |
| OBX2026J070 | Total Monthly Property Insurance Amount | 371.5 | 231.5 | Includes "other" on DU approval. |
| OBX2026J070 | Total Qualified Assets Post-Close | 97914.37 | 73252.88 | Confirmed with system calculations |
| OBX2026J070 | Qualifying Total Debt Income Ratio | 50 | 49.894 | Rounding |
| OBX2026J300 | Qualifying Total Debt Income Ratio | 13.27 | 13 | Due to rounding |
| OBX2026J086 | Qualifying CLTV | 63.58 | 64 | Due to rounding |
| OBX2026J086 | Qualifying LTV | 63.58 | 64 | Due to rounding |
| OBX2026J086 | Total Monthly Property Insurance Amount | 187.92 | 120.75 | Confirmed with hazard insurance. |
| OBX2026J086 | Total Qualified Assets Post-Close | 490645.76 | 506501.05 | Confirmed with system calculations. |
| OBX2026J086 | Qualifying Total Debt Income Ratio | 34.67 | 34.52 | Confirmed difference due to hazard premium. |
| OBX2026J034 | Total Monthly Property Insurance Amount | 237.58 | 300 | confirmed with hazard policy and Final CD. |
| OBX2026J034 | Total Qualified Assets Post-Close | 1207150.21 | 2476532.84 | Confirmed with system calculations |
| OBX2026J034 | Qualifying Total Debt Income Ratio | 23.08 | 23 | Due to rounding |
| OBX2026J083 | Total Closing Costs | 12264.36 | 2425 | Confirmed with system calculations |
| OBX2026J083 | Qualifying LTV | 63.23 | 64 | Due to rounding |
| OBX2026J083 | Qualifying CLTV | 63.23 | 64 | Due to rounding |
| OBX2026J083 | Total Qualified Assets Post-Close | 608655.55 | 1062185.95 | Confirmed |
| OBX2026J237 | Qualifying CLTV | 56.65 | 57 | Rounding |
| OBX2026J237 | Qualifying LTV | 56.65 | 57 | Rounding |
| OBX2026J237 | Total Monthly Property Insurance Amount | 124.33 | 124.34 | Rounding |
| OBX2026J237 | Total Qualified Assets Post-Close | 175219.66 | 818820.01 | Per asset documentation |
| OBX2026J237 | Qualifying Total Debt Income Ratio | 42.48 | 42.09 | Lender calculated other income of $XXX; audit underwriter calculated XXX (-$XXX) and was unable to determine how the lender derived their figure. DTI variance of XXX% (XXX% vs XXX%) is within tolerance - no action required. |
| OBX2026J037 | Borrower 1 SSN | XXX | XXX | Confirmed |
| OBX2026J037 | Qualifying CLTV | 77.33 | 78 | Due to rounding |
| OBX2026J037 | Qualifying LTV | 77.33 | 78 | Due to rounding |
| OBX2026J037 | Total Monthly Property Insurance Amount | 784.57 | 784.58 | Due to rounding |
| OBX2026J037 | Total Qualified Assets Post-Close | 526871.38 | 614597.6 | Confirmed with system calculations |
| OBX2026J274 | Total Qualified Assets Post-Close | 3083932.45 | 4394206.61 | Per asset documents |
| OBX2026J274 | Qualifying Total Debt Income Ratio | 26.01 | 26 | Rounding |
| OBX2026J262 | Qualifying LTV | 79.97 | 80 | Rounding |
| OBX2026J262 | Qualifying CLTV | 79.97 | 80 | Rounding |
| OBX2026J262 | Total Qualified Assets Post-Close | 319621.6 | 855509.28 | Per asset documents |
| OBX2026J259 | Total Closing Costs | 13364.84 | 39234.5 | Per final closing disclosure |
| OBX2026J259 | Qualifying LTV | 71.36 | 72 | Riunding |
| OBX2026J259 | Qualifying CLTV | 71.36 | 72 | Rounding |
| OBX2026J259 | Total Monthly Property Insurance Amount | 96.26 | 96.27 | Rounding |
| OBX2026J259 | Total Qualified Assets Post-Close | 236730.08 | 640879.42 | Per asset document |
| OBX2026J012 | Qualifying LTV | 74.98 | 75 | Rounding |
| OBX2026J012 | Qualifying CLTV | 74.98 | 75 | Rounding |
| OBX2026J012 | Total Monthly Property Insurance Amount | 137.08 | 137.09 | Rounding |
| OBX2026J012 | Total Qualified Assets Post-Close | 197706.17 | 620621.56 | Confirmed with system calculations |
| OBX2026J012 | Qualifying Total Debt Income Ratio | 45.96 | 45.95 | Rounding |
| OBX2026J187 | Total Qualified Assets Post-Close | 989601.05 | 1671025 | Per asset documents |
| OBX2026J187 | Qualifying Total Debt Income Ratio | 38.57 | 38.43 | The AUS ran with HOA of XXX However, the lender later updated XXX to reflect XXX The audit underwriter confirmed the HOA amount of XXX which resulted in a higher DTI. The variance is less than XXX% - no further actions required. |
| OBX2026J094 | Qualifying CLTV | 67.8 | 68 | Rounding |
| OBX2026J094 | Qualifying LTV | 67.8 | 68 | Ronding |
| OBX2026J094 | Total Monthly Property Insurance Amount | 261.09 | 261.08 | Rounding |
| OBX2026J094 | Total Qualified Assets Post-Close | 172866.07 | 84274.25 | Per asset document |
| OBX2026J271 | Total Qualified Assets Post-Close | 194642.94 | 207055.3 | Per asset documents |
| OBX2026J235 | Total Qualified Assets Post-Close | 899160.68 | 717313.68 | Confirmed with system calculations. |
| OBX2026J007 | Qualifying FICO | 764 | 0 | Per credit report |
| OBX2026J050 | Qualifying CLTV | 70.86 | 71 | Due to rounding |
| OBX2026J050 | Qualifying LTV | 70.86 | 71 | Due to rounding |
| OBX2026J050 | Total Qualified Assets Post-Close | 423464.45 | 426458.45 | Confirmed with system calculations. |
| OBX2026J191 | Qualifying LTV | 75.71 | 75.7 | Due to rounding |
| OBX2026J191 | Qualifying CLTV | 75.71 | 75.7 | Due to rounding |
| OBX2026J191 | Total Monthly Property Insurance Amount | 243 | 240.5 | Confirmed |
| OBX2026J191 | Total Qualified Assets Post-Close | 107346.29 | 120133.45 | Confirmed with system calculations. |
| OBX2026J191 | Qualifying Total Debt Income Ratio | 30.99 | 31 | Due to rounding |
| OBX2026J197 | Borrower 1 Marital Status | XXX | XXX | Per final application |
| OBX2026J197 | Qualifying CLTV | 64.13 | 65 | Rounding |
| OBX2026J197 | Qualifying LTV | 64.13 | 65 | Rounding |
| OBX2026J197 | Qualifying Total Debt Income Ratio | 27.68 | 27.67 | The recalculated bonus income of XXX for B2 is less than qualifying income. The variance is less than XXX% tolerance - no further actions required. |
| OBX2026J195 | Qualifying CLTV | 75.17 | 76 | Due to rounding |
| OBX2026J195 | Qualifying LTV | 75.17 | 76 | Due to rounding |
| OBX2026J195 | Total Qualified Assets Post-Close | 114819.75 | 151246.74 | Confirmed with system calculations. |
| OBX2026J195 | Qualifying Total Debt Income Ratio | 36.2 | 36.04 | Confirmed small difference in DTI due to calculation of income on one of the businesses. |
| OBX2026J286 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed 1st PYMT date. Note date is XX/XX/XXXX |
| OBX2026J286 | Qualifying CLTV | 74.09 | 75 | Due to rounding |
| OBX2026J286 | Qualifying LTV | 74.09 | 75 | Due to rounding |
| OBX2026J286 | Total Qualified Assets Post-Close | 1445646.35 | 1168882.36 | Confirmed with system calculations. |
| OBX2026J020 | Qualifying Total Debt Income Ratio | 40.91 | 40.06 |  |
| OBX2026J045 | Qualifying LTV | 74.67 | 75 | Rounding |
| OBX2026J045 | Qualifying CLTV | 74.67 | 75 | Rounding |
| OBX2026J045 | Total Qualified Assets Post-Close | 431856.84 | 441572.94 | Per asset documents |
| OBX2026J035 | Borrower 1 FTHB | false | true | Per final application. |
| OBX2026J035 | Total Qualified Assets Post-Close | 65629.02 | 322880.36 | Per asset documents |
| OBX2026J035 | Qualifying Total Debt Income Ratio | 35.58 | 36 | Rounding |
| OBX2026J090 | Qualifying CLTV | 64.29 | 65 | Rounding |
| OBX2026J090 | Qualifying LTV | 64.29 | 65 | Rounding |
| OBX2026J090 | Total Qualified Assets Post-Close | 1941955.97 | 2714578.66 | Per asset documents |
| OBX2026J090 | Qualifying Total Debt Income Ratio | 40.4 | 40.94 | Lender approved loan with a monthly HOI of XXX vs. XXX confirmed by HOI policy in file and final CD. The audit UW is unable to determine how the lender calculated the higher amount. The variance of XXX% is within tolerance. |
| OBX2026J039 | Total Qualified Assets Post-Close | 233584.44 | 243398.58 | Per asset documents |
| OBX2026J039 | Qualifying Total Debt Income Ratio | 46.84 | 39 | Recalculated DTI of XXX% exceeds the AUS DTI of XXX% due to income discrepancies. The AUS findings were based on a Co-Borrower income of $XXX. However, the final application does not list an employer or any other sources of income, and the file does not include income documentation for the Co-Borrower. |
| OBX2026J038 | Total Qualified Assets Post-Close | 226609.91 | 710863.5 | Confirmed |
| OBX2026J088 | Qualifying LTV | 73.76 | 73.75 | Rounding |
| OBX2026J088 | Qualifying CLTV | 73.76 | 73.75 | Due to rounding |
| OBX2026J088 | Qualifying Total Debt Income Ratio | 26.96 | 27 | Rounding |
| OBX2026J013 | Total Closing Costs | 55132.93 | 1700 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J013 | Total Monthly Property Insurance Amount | 255.89 | 262.08 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J013 | Total Qualified Assets Post-Close | 148991.54 | 323897.64 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J220 | Total Closing Costs | 38067.93 | 1671.9 | Discrepancy is due to data entry, true data is correct. |
| OBX2026J220 | Total Qualified Assets Post-Close | 467841.54 | 666110.69 | Discrepancy is due to data entry, true data is correct. |
| OBX2026J104 | Total Monthly Property Insurance Amount | 280.83 | 280.84 | Rounding |
| OBX2026J104 | Total Qualified Assets Post-Close | 177022.16 | 187585 | Per final closing disclosure |
| OBX2026J255 | Borrower 1 Self-Employment Flag | Yes | No | Confirmed |
| OBX2026J255 | Total Monthly Property Insurance Amount | 345.33 | 345.34 | Rounding |
| OBX2026J255 | Total Qualified Assets Post-Close | 229710.04 | 517488.79 | Confirmed with system calculation. |
| OBX2026J255 | Qualifying Total Debt Income Ratio | 48.37 | 45.92 | Confirmed and within allowable variances. |
| OBX2026J095 | Total Qualified Assets Post-Close | 174970.35 | 175206.36 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J095 | Qualifying Total Debt Income Ratio | 28.33 | 28 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J282 | Total Monthly Property Insurance Amount | 416.25 | 172.42 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J282 | Total Qualified Assets Post-Close | 270920.84 | 485870.36 | Discrepancy is due to data entry, Audited review shows assets as XXX |
| OBX2026J215 | Qualifying CLTV | 42.79 | 43 | Rounding |
| OBX2026J215 | Qualifying LTV | 42.79 | 43 | Rounding |
| OBX2026J215 | Total Qualified Assets Post-Close | 621431.02 | 835737.18 | per asset documents |
| OBX2026J092 | Total Qualified Assets Post-Close | 80240.49 | 434061 | Per asset document |
| OBX2026J091 | Borrower 1 Marital Status | XXX | XXX | . |
| OBX2026J091 | Total Qualified Assets Post-Close | 1098399.14 | 1407574 | Per asset documents |
| OBX2026J014 | Qualifying CLTV | 69.2 | 70 | Due to rounding |
| OBX2026J014 | Qualifying LTV | 69.2 | 70 | Due to rounding |
| OBX2026J014 | Total Qualified Assets Post-Close | 306552.91 | 162996.25 | Confirmed with system calculations. |
| OBX2026J275 | Qualifying LTV | 71.59 | 72 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J275 | Qualifying CLTV | 71.59 | 72 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J275 | Total Qualified Assets Post-Close | 56492.73 | 83018.4 | Per Audit - True Source is correct |
| OBX2026J280 | Qualifying LTV | 45.1 | 46 | Due to rounding |
| OBX2026J280 | Qualifying CLTV | 45.1 | 46 | Rounding |
| OBX2026J280 | Total Monthly Property Insurance Amount | 240.75 | 240.76 | Due to rounding |
| OBX2026J280 | Total Qualified Assets Post-Close | 873433.55 | 875075.55 | Confirmed with system calculations. |
| OBX2026J280 | Qualifying Total Debt Income Ratio | 28.58 | 28.64 | Confirmed |
| OBX2026J206 | Qualifying CLTV | 61.24 | 62 | Discrepancy is due to rounding. True data is correct. |
| OBX2026J206 | Qualifying LTV | 61.24 | 62 | Discrepancy is due to rounding. True data is correct. |
| OBX2026J206 | Total Qualified Assets Post-Close | 95748.33 | 91767.88 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J206 | Qualifying Total Debt Income Ratio | 35.54 | 35.39 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J299 | Qualifying CLTV | 63.78 | 64 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J299 | Qualifying LTV | 63.78 | 64 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J299 | Total Qualified Assets Post-Close | 185894.17 | 385705.84 | Discrepancy is due to data entry, Assets verified is XXX |
| OBX2026J196 | Total Closing Costs | 23823.32 | 15000 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J196 | Total Qualified Assets Post-Close | 823243.12 | 1354757.82 | Discrepancy is due to data entry, Total assets verified XXX |
| OBX2026J285 | Qualifying LTV | 74.09 | 75 | Discrepancy is due to rounding, True data is correct |
| OBX2026J285 | Qualifying CLTV | 74.09 | 75 | Discrepancy is due to rounding, True data is correct |
| OBX2026J043 | Qualifying LTV | 78.64 | 78.63 | Discrepancy is due to rounding, True data is correct.. |
| OBX2026J043 | Qualifying CLTV | 78.64 | 78.63 | Discrepancy is due to rounding, True data is correct.. |
| OBX2026J043 | Total Qualified Assets Post-Close | 105491.5 | 127911.85 | Per assets provide verified assets is $XXX. |
| OBX2026J043 | Qualifying Total Debt Income Ratio | 24.41 | 24 | Discrepancy is due to rounding, True data is correct.. |
| OBX2026J218 | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed |
| OBX2026J218 | Borrower 1 Self-Employment Flag | No | Yes | Confirmed |
| OBX2026J218 | Total Closing Costs | 27641.03 | 28022.79 | Confirmed with Final CD. |
| OBX2026J218 | Total Qualified Assets Post-Close | 781904.52 | 1049832.98 | Confirmed with system calculations |
| OBX2026J100 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| OBX2026J100 | Total Qualified Assets Post-Close | 372928.67 | 704574.85 | Per asset documents |
| OBX2026J100 | Qualifying Total Debt Income Ratio | 41.49 | 41.48 | Rounding |
| OBX2026J290 | Qualifying Interest Rate | 6 | 0.06 | Confirmed |
| OBX2026J290 | Total Qualified Assets Post-Close | 975487.55 | 1553886.39 | Confirmed with system calculations. |
| OBX2026J192 | Qualifying Interest Rate | 6.5 | 0.065 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J192 | Qualifying LTV | 73.81 | 74 | Discrepancy is due to rounding, True data is correct |
| OBX2026J192 | Qualifying CLTV | 73.81 | 74 | Discrepancy is due to rounding, True data is correct |
| OBX2026J192 | Total Qualified Assets Post-Close | 963731.78 | 986001.41 | Per Assets Total Qualified Assets are XXX |
| OBX2026J272 | Total Closing Costs | 50944.35 | 400 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J272 | Qualifying Interest Rate | 6.5 | 0.065 | Discrepancy is due to data entry, True data is correct.. |
| OBX2026J272 | Total Qualified Assets Post-Close | 515155.95 | 859029.21 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J017 | Qualifying Interest Rate | 6 | 0.06 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J017 | Qualifying CLTV | 73.33 | 74 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J017 | Qualifying LTV | 73.33 | 74 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J078 | Qualifying Interest Rate | 6.875 | 0.06875 | Per note |
| OBX2026J078 | Qualifying LTV | 80 | 79.99 | Rounding |
| OBX2026J078 | Qualifying CLTV | 80 | 79.99 | Rounding |
| OBX2026J078 | Total Qualified Assets Post-Close | 261718.31 | 611925.76 | Per asset documents |
| OBX2026J078 | Qualifying Total Debt Income Ratio | 48.41 | 48 | Rounding |
| OBX2026J076 | Qualifying Interest Rate | 6.875 | 0.06875 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J076 | Total Qualified Assets Post-Close | 3135462.41 | 582514.42 | Discrepancy is due to data entry, The verified assets are XXX |
| OBX2026J249 | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed |
| OBX2026J249 | Total Qualified Assets Post-Close | 459122.64 | 818496.8 | Confirmed with system calculations |
| OBX2026J190 | Qualifying Interest Rate | 6.75 | 0.0675 | Confirmed |
| OBX2026J190 | Total Closing Costs | 16433.27 | 7500 | Confirmed |
| OBX2026J190 | Total Qualified Assets Post-Close | 190986.32 | 698833 | Confirmed with system calculation. |
| OBX2026J270 | Qualifying Interest Rate | 5.75 | 0.0575 | Confirmed |
| OBX2026J270 | Total Monthly Property Insurance Amount | 132.33 | 132.34 | Due to rounding |
| OBX2026J270 | Total Qualified Assets Post-Close | 103283.48 | 112919.02 | Confirmed with system calculations |
| OBX2026J270 | Qualifying Total Debt Income Ratio | 33.9 | 34 | Rounding |
| OBX2026J022 | Qualifying Total Debt Income Ratio | 39.97 | 40 | Per Documentation |
| OBX2026J200 | Qualifying Interest Rate | 5.875 | 0.05875 | Per note |
| OBX2026J200 | Qualifying CLTV | 48.48 | 49 | Rounding |
| OBX2026J200 | Qualifying LTV | 48.48 | 49 | Rounding |
| OBX2026J200 | Total Monthly Property Insurance Amount | 394.13 | 394.14 | Rounding |
| OBX2026J200 | Total Qualified Assets Post-Close | 1694542.49 | 1707930.74 | Per asset document |
| OBX2026J283 | Qualifying Interest Rate | 6.25 | 0.0625 | Discrepancy is due to data entry, Ture data is correct |
| OBX2026J283 | Qualifying LTV | 69.15 | 70 | Discrepancy is due to rounding, Ture data is correct |
| OBX2026J283 | Qualifying CLTV | 69.15 | 70 | Discrepancy is due to rounding, Ture data is correct |
| OBX2026J283 | Total Qualified Assets Post-Close | 161683.06 | 177663.44 |  |
| OBX2026J283 | Qualifying Total Debt Income Ratio | 33.54 | 34.12 | Discrepancy is due to data entry, Ture data is correct |
| OBX2026J219 | Qualifying Interest Rate | 6.125 | 0.06125 | Discrepancy is dye to data entry, True data is correct. |
| OBX2026J219 | Qualifying LTV | 74.16 | 75 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J219 | Qualifying CLTV | 74.16 | 75 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J219 | Total Qualified Assets Post-Close | 1.022417341E7 | 2759688 | Discrepancy is dye to data entry, True data is correct. |
| OBX2026J234 | Borrower 1 FTHB | false | true | . |
| OBX2026J234 | Total Closing Costs | 24764.57 | 115 | Per final closing disclosure |
| OBX2026J234 | Total Monthly Property Insurance Amount | 86.25 | 85.92 | Per HOI policy |
| OBX2026J234 | Total Qualified Assets Post-Close | 388593.13 | 573648.42 | Per asset documents |
| OBX2026J234 | Qualifying Total Debt Income Ratio | 40.64 | 14 | Audit DTI = XXX Qualifying DTI = XXX |
| OBX2026J223 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| OBX2026J223 | Qualifying LTV | 63.08 | 64 | Rounding |
| OBX2026J223 | Qualifying CLTV | 63.08 | 64 | Rounding |
| OBX2026J223 | Total Qualified Assets Post-Close | 518015.03 | 1086859.22 | Per asset documents |
| OBX2026J204 | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed with note. |
| OBX2026J204 | Total Closing Costs | 19054.17 | 12915.51 | Confirmed with Final CD. |
| OBX2026J204 | Total Qualified Assets Post-Close | 559112.9 | 495546 | Confirmed due to system calculations. |
| OBX2026J204 | Qualifying Total Debt Income Ratio | 38.76 | 39 | Due to rounding |
| OBX2026J269 | First Payment Date | XX/XX/XXXX | XX/XX/XXXX | Confirmed with note. |
| OBX2026J269 | Qualifying Interest Rate | 6 | 0.03 | Confirmed |
| OBX2026J269 | Qualifying LTV | 59.57 | 60 | Rounding |
| OBX2026J269 | Qualifying CLTV | 59.57 | 60 | Rounding |
| OBX2026J239 | Qualifying Interest Rate | 6.5 | 0.065 | Confirmed with the note. |
| OBX2026J239 | Total Qualified Assets Post-Close | 315805.29 | 572004.65 | Confirmed with system calculations. |
| OBX2026J276 | Qualifying Interest Rate | 6 | 0.06 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J276 | Total Qualified Assets Post-Close | 1474551.39 | 2516372.41 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J276 | Qualifying Total Debt Income Ratio | 40.66 | 41 | Discrepancy is due to rounding, True data is correct. |
| OBX2026J102 | Qualifying Interest Rate | 5.875 | 0.05875 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J102 | Qualifying FICO | 774 | 0 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J102 | Qualifying CLTV | 73.12 | 74 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J102 | Qualifying LTV | 73.12 | 74 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J102 | Total Qualified Assets Post-Close | 139939.04 | 52454.48 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J238 | Qualifying Interest Rate | 6.375 | 0.06375 | Confirmed on note. |
| OBX2026J238 | Total Monthly Property Insurance Amount | 304.92 | 304.91 | Due to rounding |
| OBX2026J238 | Total Qualified Assets Post-Close | 105963.02 | 382002.87 | Confirmed with system calculations. |
| OBX2026J238 | Qualifying Total Debt Income Ratio | 47.99 | 48 | Due to rounding |
| OBX2026J023 | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed with note. |
| OBX2026J023 | Total Qualified Assets Post-Close | 1045324.82 | 1245716.54 | Confirmed with system calculations |
| OBX2026J229 | Qualifying Interest Rate | 6.375 | 0.06375 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J229 | Total Qualified Assets Post-Close | 154957.28 | 649254.7 | Discrepancy is due to data entry, Verified assets are XXX |
| OBX2026J292 | Qualifying Interest Rate | 6.5 | 0.065 | Per note |
| OBX2026J292 | Qualifying CLTV | 78.89 | 79 | Rounding |
| OBX2026J292 | Qualifying LTV | 78.89 | 79 | Rounding |
| OBX2026J292 | Total Qualified Assets Post-Close | 337538.11 | 363057.69 | Per asset document |
| OBX2026J098 | Qualifying Interest Rate | 6.25 | 0.0625 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J098 | Borrower 1 FTHB | false | true | Discrepancy is due to data entry, True data is correct. |
| OBX2026J098 | Total Qualified Assets Post-Close | 1231427.01 | 1503668.42 | Discrepancy is due to data entry, Verified assets are $XXX. |
| OBX2026J047 | Qualifying Interest Rate | 6.125 | 0.06125 | Confirmed |
| OBX2026J047 | Total Qualified Assets Post-Close | 56067.73 | 68014.61 | Confirmed with system calculations. |
| OBX2026J047 | Qualifying Total Debt Income Ratio | 36.3 | 36.08 | Confirmed |
| OBX2026J211 | Qualifying CLTV | 48.91 | 49 | Rounding |
| OBX2026J211 | Qualifying LTV | 48.91 | 49 | Rounding |
| OBX2026J211 | Total Qualified Assets Post-Close | 618739.38 | 674616.6 | Per asset documents |
| OBX2026J032 | Qualifying LTV | 72.78 | 73 | Due to rounding |
| OBX2026J032 | Qualifying CLTV | 72.78 | 73 | Due to rounding |
| OBX2026J048 | Qualifying Interest Rate | 6.375 | 0.06375 | Confirmed |
| OBX2026J048 | Qualifying CLTV | 71.48 | 72 | Due to rounding |
| OBX2026J048 | Qualifying LTV | 71.48 | 72 | Due to rounding |
| OBX2026J048 | Total Qualified Assets Post-Close | 455515.34 | 464792.78 | Confirmed with system calculations. |
| OBX2026J048 | Qualifying Total Debt Income Ratio | 31.91 | 31.9 | Confirmed |
| OBX2026J254 | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed |
| OBX2026J254 | Qualifying LTV | 67.43 | 68 | Due to rounding |
| OBX2026J254 | Qualifying CLTV | 67.43 | 68 | Due to rounding |
| OBX2026J254 | Total Qualified Assets Post-Close | 86784 | 541921.99 | Confirmed with system calculations. |
| OBX2026J254 | Qualifying Total Debt Income Ratio | 34.17 | 32.76 | Confirmed |
| OBX2026J055 | Qualifying Interest Rate | 6.5 | 0.065 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J055 | Qualifying CLTV | 74.38 | 75 | Discrepancy is due to rounding, Tur data is correct. |
| OBX2026J055 | Qualifying LTV | 74.38 | 75 | Discrepancy is due to rounding, Tur data is correct. |
| OBX2026J055 | Total Qualified Assets Post-Close | 90065.96 | 109108.95 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J245 | Qualifying Interest Rate | 6.375 | 0.06375 | Confirmed |
| OBX2026J245 | Total Qualified Assets Post-Close | 1165177.35 | 1897226.77 | Confirmed with system calculations |
| OBX2026J245 | Qualifying Total Debt Income Ratio | 36.98 | 37.03 | Confirmed |
| OBX2026J051 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| OBX2026J051 | Qualifying LTV | 70.4 | 70.39 | Rounding |
| OBX2026J051 | Qualifying CLTV | 70.4 | 70.39 | Rounding |
| OBX2026J051 | Total Qualified Assets Post-Close | 708152.03 | 1125266.07 | Per asset documents |
| OBX2026J051 | Qualifying Total Debt Income Ratio | 37.35 | 37 | Rounding |
| OBX2026J099 | Qualifying Interest Rate | 5.75 | 0.0575 | Per note |
| OBX2026J099 | Total Qualified Assets Post-Close | 288044.64 | 504344.3 | Per asset documents |
| OBX2026J099 | Qualifying Total Debt Income Ratio | 17.41 | 17.79 | Loan was approved including the XXX debt with a monthly payment of XXX twice. Omitting this debt resulted in a lower Audited DTI. |
| OBX2026J210 | Qualifying FICO | 736 | 0 | Per credit report |
| OBX2026J210 | Qualifying LTV | 57.65 | 58 | Rounding |
| OBX2026J210 | Qualifying CLTV | 57.65 | 58 | Rounding |
| OBX2026J210 | Qualifying Total Debt Income Ratio | 49.45 | 48.19 | Loan was approved excluding the BOA debt with a monthly payment of XXX The file does not contain documentation to support omitting this debt, so the audit underwriter included it. The DTI increased by XXX% which remains within variance and below the maximum guideline. |
| OBX2026J294 | Qualifying Interest Rate | 6.125 | 0.06125 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J294 | Borrower 1 Citizen | Permanent Resident Alien | US Citizen | Discrepancy is due to data entry, True data is correct. |
| OBX2026J294 | Total Qualified Assets Post-Close | 475290.38 | 394947.44 | Discrepancy is due to data entry, Verified assets are $XXX. |
| OBX2026J294 | Qualifying Total Debt Income Ratio | 28.15 | 28 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J036 | Qualifying Interest Rate | 6.25 | 0.0625 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J036 | Total Qualified Assets Post-Close | 395413.16 | 1089581.38 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J015 | Qualifying Interest Rate | 6.125 | 0.06125 | Per note |
| OBX2026J226 | Borrower 1 First Name | XXX | XXX | Per note |
| OBX2026J226 | Borrower 2 First Name | XXX | XXX | Per note |
| OBX2026J226 | Borrower 2 SSN | XXX | XXX | Per Final 1003 |
| OBX2026J226 | Borrower 1 SSN | XXX | XXX | Per Final 1003 |
| OBX2026J226 | Total Qualified Assets Post-Close | 341731.8 | 587799.74 | Per asset documents |
| OBX2026J301 | Qualifying Interest Rate | 6.375 | 0.06375 | Confirmed with the note. |
| OBX2026J301 | Qualifying LTV | 79.82 | 80 | Due to rounding |
| OBX2026J301 | Qualifying CLTV | 79.82 | 80 | Due to rounding |
| OBX2026J301 | Total Qualified Assets Post-Close | 607861.32 | 451915.9 | Confirmed with system calculaitons |
| OBX2026J301 | Qualifying Total Debt Income Ratio | 43.09 | 42.98 | Confirmed |
| OBX2026J260 | Qualifying Interest Rate | 6 | 0.06 | Confirmed with note. |
| OBX2026J260 | Qualifying FICO | 785 | 781 | Confirmed with credit report/DU. |
| OBX2026J260 | Secondary Appraised Property Value | XXX | XXX | Confirmed |
| OBX2026J260 | Primary Appraised Property Value | XXX | XXX | Confirmed |
| OBX2026J260 | Total Qualified Assets Post-Close | 764493.6 | 1664360.49 | Confirmed with system calculations. |
| OBX2026J222 | Qualifying Interest Rate | 6.375 | 0.06375 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J222 | Total Qualified Assets Post-Close | 268125.79 | 295741.7 | Discrepancy is due to data entry, Verified assets are $XXX. |
| OBX2026J107 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| OBX2026J107 | Qualifying FICO | 786 | 0 | Per credit Report |
| OBX2026J107 | Qualifying LTV | 48.79 | 49 | Rounding |
| OBX2026J107 | Qualifying CLTV | 48.79 | 49 | Rounding |
| OBX2026J107 | Total Qualified Assets Post-Close | 1057949.98 | 1072149.8 | Per asset documentation |
| OBX2026J242 | Qualifying Interest Rate | 6.125 | 0.06125 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J242 | Total Monthly Property Insurance Amount | 373.67 | 373.68 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J242 | Total Qualified Assets Post-Close | 642928.43 | 895901.32 | Discrepancy is due to data entry, Verified assets are $XXX. |
| OBX2026J242 | Qualifying Total Debt Income Ratio | 26.07 | 26 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J296 | Qualifying Interest Rate | 6.5 | 0.065 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J296 | Total Monthly Property Insurance Amount | 160.67 | 160.72 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J296 | Total Qualified Assets Post-Close | 2378105.94 | 2657916.73 | Discrepancy is due to data entry, Verified assets are $XXX. |
| OBX2026J296 | Qualifying Total Debt Income Ratio | 31.01 | 31 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J221 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| OBX2026J221 | Borrower 1 Self-Employment Flag | No | Yes | Per Final 1003, less than XXX% ownership. |
| OBX2026J221 | Qualifying LTV | 76.76 | 77 | Rounding |
| OBX2026J221 | Qualifying CLTV | 76.76 | 77 | Rounding |
| OBX2026J221 | Total Qualified Assets Post-Close | 497081.38 | 505674.82 | Per asset documents |
| OBX2026J217 | Qualifying Interest Rate | 6 | 0.0625 | Confirmed with note. |
| OBX2026J217 | Total Qualified Assets Post-Close | 1.234131834E7 | 1.3669098E7 | Confirmed with system calculations. |
| OBX2026J217 | Qualifying Total Debt Income Ratio | 32.65 | 35 | Confirmed |
| OBX2026J028 | Qualifying Interest Rate | 6.125 | 0.06125 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J028 | Qualifying CLTV | 62.61 | 63 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J028 | Qualifying LTV | 62.61 | 63 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J028 | Total Qualified Assets Post-Close | 476593.02 | 478518 | Discrepancy is due to data entry, Verified assets are XXX |
| OBX2026J216 | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed with note.. |
| OBX2026J216 | Total Qualified Assets Post-Close | 616204.46 | 209983.75 | Confirmed with system calculations |
| OBX2026J216 | Qualifying Total Debt Income Ratio | 32.39 | 32.3 | Confirmed |
| OBX2026J279 | Qualifying Interest Rate | 5.875 | 0.05875 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J279 | Qualifying CLTV | 69.33 | 70 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J279 | Qualifying LTV | 69.33 | 70 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J279 | Total Qualified Assets Post-Close | 1038271.5 | 1515554.89 | Discrepancy is due to data entry, Verified assets are $XXX. |
| OBX2026J225 | Qualifying Interest Rate | 6.125 | 0.06125 | Discrepancy is dye to data entry, True data is correct. |
| OBX2026J225 | Total Monthly Property Insurance Amount | 469.33 | 159.25 | Discrepancy is dye to data entry, True data is correct. |
| OBX2026J225 | Total Qualified Assets Post-Close | 389358.99 | 819534.95 | Discrepancy is dye to data entry. Verified assets are $XXX. |
| OBX2026J225 | Qualifying Total Debt Income Ratio | 35.44 | 35 | Discrepancy is dye to data entry, True data is correct. |
| OBX2026J230 | Qualifying Interest Rate | 6.375 | 0.06375 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J230 | Borrower 1 FTHB | true | false | Discrepancy is due to data entry, True data is correct. |
| OBX2026J230 | Total Qualified Assets Post-Close | 306172.82 | 523554.99 | Verified assets are $XXX. True Source is correct. |
| OBX2026J183 | Qualifying Interest Rate | 6.625 | 0.06625 | Per note |
| OBX2026J183 | Total Closing Costs | 27643.37 | 5945 | Per final closing dislcosure |
| OBX2026J183 | Total Qualified Assets Post-Close | 411708.13 | 937215.39 | Per asset documents |
| OBX2026J228 | Qualifying Interest Rate | 6.875 | 0.06875 | Per note |
| OBX2026J228 | Total Monthly Property Insurance Amount | 707.62 | 553.78 | HOI plus flood insurance = XXX |
| OBX2026J228 | Total Qualified Assets Post-Close | 255178.97 | 545460.09 | Per asset documents |
| OBX2026J203 | Qualifying Interest Rate | 6.5 | 0.065 | Confirmed with the note. |
| OBX2026J203 | Qualifying FICO | 773 | 774 | Confirmed |
| OBX2026J203 | Total Qualified Assets Post-Close | 644264.86 | 837079 | Confirmed with system calculations. |
| OBX2026J203 | Qualifying Total Debt Income Ratio | 43.11 | 43 | Due to rounding |
| OBX2026J236 | Qualifying Interest Rate | 6.625 | 0.06625 | Discrepancy is due to data entry, True data is correct |
| OBX2026J236 | Qualifying CLTV | 80 | 79.99 | Discrepancy is due to rounding, True data is correct |
| OBX2026J236 | Qualifying LTV | 80 | 79.99 | Discrepancy is due to data entry, True data is correct |
| OBX2026J236 | Total Qualified Assets Post-Close | 174605 | 670946.62 | Discrepancy is due to data entry, True data is correct |
| OBX2026J236 | Qualifying Total Debt Income Ratio | 23.11 | 23 | Discrepancy is due to data entry, True data is correct |
| OBX2026J177 | Qualifying Interest Rate | 6.25 | 0.0625 | Confirmed with the note. |
| OBX2026J177 | Qualifying LTV | 64.07 | 65 | Due to rounding |
| OBX2026J177 | Qualifying CLTV | 64.07 | 65 | Due to rounding |
| OBX2026J177 | Total Qualified Assets Post-Close | 168931.66 | 192476.59 | Confirmed with system calculations. |
| OBX2026J295 | Qualifying Total Debt Income Ratio | 44.61 | 41.95 |  |
| OBX2026J277 | Qualifying Interest Rate | 6.125 | 0.06125 | Discrepancy is due to data entry, True data is correct. |
| OBX2026J277 | Total Qualified Assets Post-Close | 336499.92 | 649567.83 | Discrepancy is due to data entry, Verified assets are XXX |
| OBX2026J250 | Qualifying Interest Rate | 6.375 | 0.06375 | Per note |
| OBX2026J250 | Total Closing Costs | 23772.25 | 778 | Per final closing disclosure |
| OBX2026J250 | Total Qualified Assets Post-Close | 109365.23 | 395966.48 | Per asset document |
| OBX2026J186 | Qualifying Interest Rate | 6.125 | 0.06125 | Per note |
| OBX2026J186 | Total Qualified Assets Post-Close | 532148.31 | 538500.4 | Per asset documents |
| OBX2026J246 | Qualifying Interest Rate | 6.25 | 0.0625 | Per note |
| OBX2026J246 | Total Qualified Assets Post-Close | 681753.65 | 759289.91 | Per asset documents |
| OBX2026J080 | Property_Address | XXX | XXX | FALSE |
| OBX2026J080 | Property_City | XXX | XXX | FALSE |
| OBX2026J080 | Property_State | XXX | XXX | FALSE |
| OBX2026J080 | Property_Zip | XXX | XXX | FALSE |
| OBX2026J059 | Escrow_Indicator | Taxes and Insurance | No Escrows | FALSE |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| OBX2026J232 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/09/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR 1002.14(a)(1)). Please provide evidence Borrower received Appraisal at least XXX-business days prior to the consummation date. | XXX XX/XX/XXXX: Please see the attached | 07/29/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared.; Evidence of appraisal delivery provided.; Material Finding | 07/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 07/23/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed XXX-T Missing File is missing a signed XXX for the borrower's businesses. XXX. Additional conditions may apply. | attached; attached | 08/28/2025 | Lender provided XXX-C for XXX. Condition cleared.; Borrower 1 Executed XXX-T Provided; Lender provided XXX of the XXX-C. There is XXX for XXX - is a XXX partnership, and XXX for XXX, is a XXX partnership. The Borrower has an additional business, which income was used in qualification for XXX - a XXX Business. Please provide the XXX-C for the XXX business XXX. Condition retained. | 08/28/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 08/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J302 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/22/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J302 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/18/2025 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud report | 08/19/2025 | Condition cleared as we have received the fraud report with no red flags. ; Third Party Fraud Report is provided | 08/20/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 08/30/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 08/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 09/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXX | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: [[(12 CFR ##_XXX_##(ii))]] The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate 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 revised loan estimate 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 revised loan estimate receipt date is provided and the revised loan estimate 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 transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide 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). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. Documentation Required- Missing documentation to verify date the LE dated XX/XX/XXXX was delivered to the Borrower. Initial CD issued XX/XX/XXXX. | Please see attached wet-signed redisclosure pkg; Please see attached proof that LE issued XX/XX/XXXX was send to borrower | 09/22/2025 | Lender provided verification of Borrower's receipt of re-disclosed LE dated XX/XX/XXXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided verification of Borrower's receipt of re-disclosed LE dated XX/XX/XXXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided verification of the date the LE was sent to the Borrower; however, did not provide verification the Borrower received the re-disclosed LE greater than XXX business days prior to consummation. XXX, XX/XX/XXXX, cannot be counted in the business days as it was a federal holiday. Condition retained. | 09/23/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXX | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. [[(XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($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). 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 Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX on the initial LE dated XX/XX/XXXX to XXX on the LE dated XX/XX/XXXX without valid COC. COC dated XX/XX/XXXX not valid as missing evidence of date LE dated XX/XX/XXXX was received by Borrower. | Please see attached wet-signed redisclosure pkg; Please see attached COC for decrees of Lender credit fee | 09/22/2025 | Lender provided verification of Borrower's receipt of re-disclosed LE dated XX/XX/XXXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided verification of Borrower's receipt of re-disclosed LE dated XX/XX/XXXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided verification of the date the LE was sent to the Borrower; however, did not provide verification the Borrower received the re-disclosed LE greater than XXX business days prior to consummation. XXX, XX/XX/XXXX, cannot be counted in the business days as it was a federal holiday. Condition retained. | 09/23/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/17/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/16/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXX | Credit | FEMA Declared Disaster - For Information Only | FEMA declared XXX in a disaster area (Wildfires) on XX/XX/XXXX, with a release date of XX/XX/XXXX. The appraisal in the file is dated XX/XX/XXXX and shows no damage. Exception is for informational purposes only. |  |  | Info Only - cleared; Material Finding; Material Finding | 09/11/2025 | XXX is Greater than the Guideline Minimum - XXX 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 LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 09/17/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/24/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX. If XXX, a LOE stating there are no HOA dues is required. | XX/XX/XXXX XXX: please see attached report, showing no HOA for this property | 09/29/2025 | Condition cleared as we have received evidence of no HOA dues for this property. ; Borrower 1 Credit Report is not partially present. | 10/01/2025 | XXX is Greater than the Guideline Minimum - XXX 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. \| 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 |
| OBX2026J063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 09/29/2025 | XXX is Greater than the Guideline Minimum - XXX 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. \| 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 |
| OBX2026J053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXX escrow, but does not indicate what items are escrowed. Please provide XXX documentation or verification that XXX are escrowed. | Escrow Analysis reflecting escrow for taxes & insurance | 10/02/2025 | Lender provided escrow Statement for property XXX XXX verifying escrows include both XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | title | 10/15/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien XXX | 10/15/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | CDA | 10/14/2025 | Third party valuation product provided within tolerance. | 10/15/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Credit | Audited LTV Exceeds AUS LTV | Audited LTV of XXX% exceeds AUS CLTV of XXX% Sales price per purchase contract addendum and final CD XXX compared to AUS $XXX. Please provide an updated AUS. |  |  | Lender provided updated AUS approving LTV / ##XXX##. Condition cleared.; Audited ##XXX## is less than or equal to AUS ##XXX## | 10/14/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Credit | Audited HCLTV Exceeds AUS HCLTV | Audited HCLTV of XXX% exceeds AUS HCLTV of XXX% Sales price per purchase contract addendum and final CD XXX compared to AUS $XXX. Please provide an updated AUS. |  |  | Lender provided updated AUS approving LTV / ##XXX##. Condition cleared.; Audited H##XXX## is less than or equal to AUS H##XXX## | 10/14/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Credit | Audited CLTV Exceeds AUS CLTV | Audited CLTV of XXX% exceeds AUS 12 CFR ##_XXX_##(ii)) Sales price per purchase contract addendum and final CD XXX compared to AUS $XXX. Please provide an updated AUS. | Updated LP | 10/09/2025 | Lender provided updated AUS approving LTV / ##XXX##. Condition cleared.; Audited ##XXX## is less than or equal to AUS ##XXX## | 10/14/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Please provide evidence of insurance at or before disbursement. | see settlement and disbursement sch. disbursement was on XX/XX/XXXX | 10/09/2025 | Lender provided final Settlement Statement and Disbursement Summary Report reflecting disbursement date of XX/XX/XXXX. The hazard insurance effective date of XX/XX/XXXX is the same day as disbursement 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. | 10/14/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J240 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/07/2025 | 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 XX/XX/XXXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/02/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per Final 1003 Section XXX: Declarations C., The borrower checked yes to borrowing money in the amount of XXX for this real eState transaction or obtaining any money from another party, such as the seller or realtor, that was not disclosed on this loan application. Please provide supporting documentation for the undisclosed debt in the amount of XXX | updated 1003/XXX/Final LP/Credit Statement per the Heloc | 10/24/2025 | Lender provided HELOC documentation, HELOC calculator, updated 1003, XXX and AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX% Condition cleared.; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. Per Final 1003 Section XXX: Declarations C., The borrower checked yes to borrowing money in the amount of XXX for this real eState transaction or obtaining any money from another party, such as the seller or realtor, that was not disclosed on this loan application. Please provide supporting documentation for the undisclosed debt in the amount of XXX | 10/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX 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 \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J267 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 10/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX 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 \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application reflects a mortgage payment of XXX for investment property located at XXX Conservancy, which is supported by the credit report. Additional expenses of XXX are also listed; however, there is no documentation confirming that escrows are included in the mortgage payment, and we are unable to validate the additional XXX expense. | HOA fee with URL and mtg stmt PITI; escrow letter | 10/13/2025 | Lender provided HOA Statement and mortgage Statement for XXX Conservancy verifying escrows include both XXX. Condition cleared.; Borrower 1 Credit Report is not partially present.; Audit reviewed Lenders response, however; Please provide documentation verifying Mortgage payment includes the XXX additional expenses are escrowed and provide HOA documentation. (i. Mortgage payment that verifies what items are escrowed or credit supplement verifying XXX are escrowed). Additional conditions may apply. Condition remains. | 10/14/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | cda | 10/09/2025 | 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. | 10/14/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Please provide a pre-closing verification dated within XXX business days of the Note Date. Current VOE is dated XX/XX/XXXX, while the Note Date is XX/XX/XXXX. | b2 VOE | 10/07/2025 | Lender provided VOE. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 10/08/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Please provide a pre-closing verification dated within XXX business days of the Note Date. Current VOE is dated XX/XX/XXXX, while the Note Date is XX/XX/XXXX. | b1 VOE | 10/07/2025 | Lender provided VOE. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/08/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure | Affiliated Business Disclosure | 10/07/2025 | Lender provided AFB. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided | 10/08/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Please provide documentation verifying that sufficient funds to cover the following gifts were in the donor's account or transferred from the donor's account to the borrower's account: XXX from XXX and XXX from XXX. The file includes gift letters and borrower bank Statements showing the deposits, but donor source documentation is missing. | Gift letters | 10/07/2025 | Lender provided Gift Documentation. Condition cleared.; Asset Qualification Meets Guideline Requirements | 10/08/2025 | XXX is Greater than the Guideline Minimum - 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% \| Original LTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% D A |
| OBX2026J067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID for both Borrowers. | pat act & id's upld | 10/08/2025 | Condition cleared as we have received the missing Patriot Act form. ; XXX Patriot Act Disclosure or ID provided.; Missing XXX Patriot Act Disclosure or ID.; Material | 10/13/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J233 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | XXX is Greater than the Guideline Minimum - XXX 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. \| 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 |
| OBX2026J247 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_XXX_##(ii)). Documentation required to clear exception: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. | Appraisal Delivered | 10/09/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided. | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | XXX | Compliance | TRID: Form/disclosure deficiency | Documentation required to clear exception: Missing page XX/XX/XXXX of Initial CD dated XX/XX/XXXX. | full XX/XX/XXXX cd upld | 10/13/2025 | Lender provided initial CD with all pages. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 10/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J224 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. The XXX Patriot Act disclosure for Borrower 2 States their driver license expired on XX/XX/XXXX. Please provide an unexpired XXX Patriot Act Disclosure or ID for Borrower 2. | current dl for bwr2 upld; the patriot act refledts XX/XX/XXXX, drivers license confirming upld | 10/30/2025 | Lender provided Borrower 2 updated Photo ID showing expiration date of XX/XX/XXXX. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Lender provided Borrower 2 photo ID reflecting expiration date of XX/XX/XXXX, which is prior to the subject loan closing. Please provide unexpired photo ID. Condition retained.; Material Finding; Missing XXX Patriot Act Disclosure or ID. | 10/31/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2026J251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/31/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J251 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | rce upld | 10/29/2025 | Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. The hazard insurance coverage of XXX is sufficient to cover the replacement cost estimate of $XXX. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/31/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | esign | 10/17/2025 | Cleared as we have received the e-consent from the lender. ; Evidence of eConsent is provided.; Material Finding; 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. | 10/20/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J261 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| 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 |
| OBX2026J009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX. has affiliates. Provide the Affiliated Business disclosure. | Please see attached. | 10/14/2025 | Lender provided attestation of no affiliates. Condition cleared.; Required Affiliated Business Disclosure Documentation Provided; Required Affiliated Business Disclosure Missing Per the Privacy Notice disclosure, XXX. has affiliates. Provide the Affiliated Business disclosure. | 10/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 10/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J214 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Title Report \| | 10/15/2025 | Lender provided Title Policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 10/16/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Fraud Report | 10/14/2025 | Lender provided fraud report. Condition cleared.; Third Party Fraud Report is provided | 10/15/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance. | 10/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2026J201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Reserves short by $XXX. Received updated asset Statement good thru XX/XX/XXXX and hte note date is XX/XX/XXXX. Audit used hte assets verfied as of XX/XX/XXXX on Statement received. | XX/XX/XXXX XXX: The asset Statement is current through the disbursement date of XX/XX/XXXX. The funds would be available through that date. | 10/20/2025 | Lender provided asset documentation dated XX/XX/XXXX - XX/XX/XXXX, which is dated prior to the funding date of XX/XX/XXXX. Updated additional assets are sufficient for reserves. Condition cleared.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 10/22/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Asset 1 Expired | Asset 1 Expired. Statement in file for account ending XXX is dated XX/XX/XXXX and the loan closed XX/XX/XXXX. Statements must cover the most recent full one-month period (i., XXX days of account activity). Additional conditions may apply. | XX/XX/XXXX XXX: Please see attached copy of the updated asset account. | 10/17/2025 | Condition resolved as we have received the current assets, additional finding for shortage of reserves created. ; Asset 1 Not Expired | 10/22/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Rescinded | XXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) |  |  | ; Rescinded as this is a duplicate. | 10/20/2025 | C A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Rescinded | XXX | Credit | Audited Reserves are less than AUS Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than AUS Required Reserves of XXX month(s) Audited Reserves of XX/XX/XXXX month(s) are less than AUS Required Reserves of XXX month(s). Lender submitted recent bank Statement form borrower for month of XXX. The note date is XX/XX/XXXX so audit used assets as of XX/XX/XXXX per Statement received. |  |  | Rescinded as this is a duplicate. | 10/20/2025 | C A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | XX/XX/XXXX RF please see attached please clear thank you | 10/17/2025 | Condition cleared as we have received the updated title from lender. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 10/20/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The following liabilities are listed on the credit report with a 'closed' account status; however, there is still an outstanding balance. For each liability that is not already listed on the loan application: Document that the account has been paid in full, or Add the liability to the loan application and resubmit the case for underwriting. XXX ending #XXX with a balance of $XXX. Additional conditions may apply. | XX/XX/XXXX XXX: This was paid off XX/XX/XXXX, see credit report supporting docs | 10/16/2025 | Lender provided loan paid off documentation. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/17/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Evidence the following properties are owned free and clear, such as a property profile (Profile in file shows a lien in the amount of $XXX): XXX XXX. Additional conditions may apply. | XX/XX/XXXX XXX: The loan was paid in full in XXX The borrower was not obligated on the mortgage which is why it is not reporting as a closed tradeline on credit. | 10/16/2025 | Lender provided documentation verifying Mortgage is in others name. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/24/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Policy | 11/03/2025 | Lender provided title policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 11/05/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2026J085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | C A |
| OBX2026J004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required: Cure of XXX required for increase in credit report fee. COC provided does not give sufficient explanation for increase in fee. Cure requires PCCD, LOE, and copy of refund check, or additional explanation as to what information was received causing an increase in fee. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_XXX_##(ii)) 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). | Please see the CoC and invoice.; Please see CoC attached. Broker's Credit Report increased due to the new \| information received. | 10/20/2025 | Lender provided COC and credit report invoice verifying the credit report fee increased per invoice and was redisclosed within XXX days of the change. Condition cleared.; Lender provided COC and credit report invoice verifying the credit report fee increased per invoice and was redisclosed within XXX days of the change. Condition cleared.; Lender provided COC; however, did does not verify a valid COC for increase in credit report. It indicates new information was received with no other description of that changed that cause the credit report fee to increase. Please provide a more detailed explanation for increase in credit report fee. Condition retained. | 10/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File is missing the business license showing active for XXX | Please see the Search dd XX/XX/XXXX; Please see attached. | 10/17/2025 | Lender provided VOB. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided; Audit reviewed Lenders response, however; Business license information does not have a date when it was reviewed/downloaded. Condition remains | 10/20/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J244 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 10/24/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | What is the status on the HMDA data tape review? | 10/22/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; Audit reviewed Lender's response. HMDA finding is in line for review on XXX. Condition retained. | 10/27/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) Evidence the following properties are owned free and clear, such as a property profile: XXX XXX XXX) Possible undisclosed REO and/ or mortgage debt. Appears the borrower has ownership interest in the property located at XXX XXX. Please provide a property profile or proof of sale. Additional conditions may apply | Please see attached ; Please see lox from borrower for XXX XXX | 10/21/2025 | Lender provided property profile report for property XXX XXX reflecting property is owned free and clear. Lender also provided LOE from Borrower indicating Borrower has not had ownership in the property. Borrower would still qualify for the mortgage if monthly taxes of XXX were included for the property in the total debt ratio. Further, the credit report does not reflect mortgages that match the previous mortgage on property. The credit report supports the LOE from Borrower stating no ownership in property. the property detail report for property XXX reflects a mortgage that is confirmed paid off by the credit report and supports property is owned free and clear. Condition cleared.; Borrower 1 Credit Report is not partially present.; Audit reviewed Lenders response, however; Please provide property Profile or title report verifying borrower has no interest. Fraud report show same first and Last Name and middle initial. Additional conditions may apply. | 10/22/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party VVOE within XXX days of closing. VVOE in file is after closing. | XX/XX/XXXX XXX: Please note that FNMA B3-XXX-XXX also States that "Alternatively, lenders may obtain the verbal VOE after closing, up to the time of loan delivery." The VVOE dated XX/XX/XXXX is still acceptable as this date is prior to the date of loan delivery on XX/XX/XXXX. The requirement for the VVOE to be dated prior to the note date is only for loans that are being delivered to Fannie Mae. | 10/17/2025 | Condition cleared as we have received evidence of the VOE for B1. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/20/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | XXX | 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 property at XXX XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please see the attached third party documentation confirming that there is no HOA associated with the property at XXX XXX | 10/17/2025 | Condition resolved as we have received evidence of n o HOA dues. | 10/20/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required to clear exception - Provide copy of Affiliated Business Disclosure or Privacy Policy. | XXX XX/XX/XXXX Please see attached Attestation Letter. The Affiliate Business Disclosure is only required when there are fees charged to the borrower which the broker/lender is affiliated with. There are no charges on this file at have affiliated payees. | 10/17/2025 | Condition cleared as we have received attestation from lender for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided | 10/20/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing proof for business: XXX. All other businesses were under one CPA who provided an email to confirm. Lender to provide third party verification of business. | CPA; business search | 10/22/2025 | Lender provided email correspondence from CPA letter verifying Borrower's business. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided; Lender provided business name search; however, it is not dated. Please provide verification of business with date to verify verification is within XXX days of the Note date. Condition retained. | 10/24/2025 | 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% \| XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing proof XXX doesn't belong to borrower as reported on the fraud report. Additional conditions may apply. | XXX | 10/17/2025 | Lender provided Property Profile verifying borrower has no obligation. Condition cleared.; All Fraud Report Alerts have been cleared or None Exist | 10/20/2025 | 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% \| XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2026J303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Final 1003, the borrower receives XXX a month from XXX distribution, however there are no supporting documentation. Please provide documentation verifying monthly draw amount. | distributions | 10/24/2025 | Lender provided Distribution documentation. Condition cleared.; Income and Employment Meet Guidelines | 10/29/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing property profile report reflecting the property at XXX XXX is owned free and clear. Please provide property profile report for the property at XXX XXX | Proof no mortgage | 10/24/2025 | Lender provided Documentation verifying no liens. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/29/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J303 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines File is missing XXX's including schedule C or XXX's and extension or business tax returns. Per DU line XXX; If self XXX income is used for qualifying purposes, the income may be supported by business tax returns covering the most recent period including all tax schedules. The tax returns must reflect at least XXX months self employment income and a cash flow analysis (form XXX) must be completed. Additional conditions may apply. | tax extension attached | 10/21/2025 | Lender provided XXX tax extension. The XXX tax transcript is in the loan file and supports schedule C income and verification of no tax return filed in XXX is also in the loan file. Condition cleared.; Income and Employment Meet Guidelines | 10/22/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J268 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J241 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/03/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_XXX_##(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). TILA 130b Cure Required. A refund in the amount of XXX is required. The cure package must include a PCCD, Letter of Explanation (LOE), Copy of Refund Check, and Proof of Delivery or a Valid Change of Circumstance (COC). The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee on LE XX/XX/XXXX. COC in file dated XX/XX/XXXX does not reference the recording fee or provide a reason for the increase. | updated COC | 10/28/2025 | Condition cleared as we have received the missing valid COC for the recording fee increase from lender. ; Condition cleared as we have received the missing valid COC for the recording fee increase from lender. | 10/29/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | audit | 10/28/2025 | Evidence of eConsent is provided.; Material Finding | 10/29/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A B |
| OBX2026J273 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Missing Borrower 1 paystub from XXX. Per offer letter, the Borrower start date is XX/XX/XXXX. Please provide a paystub. | XXX paystub | 10/28/2025 | Lender provided Pay Stub. Condition cleared.; Borrower 1 Paystubs Provided | 10/29/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Additional conditions may apply. | cda | 10/29/2025 | 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. | 10/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | Please see the Letter from Insurer on XXX% replacement cost. | 10/21/2025 | Lender provided documentation from Insurance Agent verifying hazard insurance coverage is based on XXX% of the estimated replacement cost of the home. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/22/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | PUD Rider is Missing | PUD Rider is Missing Missing PUD Rider. | rerecorded deed | 11/13/2025 | Lender provided recorded mortgage that included the PUD rider. Condition cleared.; The PUD Rider is Present or is Not Applicable (Property Type is PUD) | 11/14/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed XXX-T Missing Missing Borrower 2 Executed XXX-T. | XXX's; New XXX's; B2 XXX; XXX's for XXX | 10/31/2025 | Lender provided 4506C for Borrower 2 XXX returns. Condition cleared.; Borrower 2 Executed XXX-T Provided or XXX (Number of Borrowers equals XXX); Lender provided XXX for Borrower 1. Please provide XXX for Borrower 2, XXX, XXX tax returns. Condition retained.; Lender provided XXX-C for Borrower 1 and for Borrower 2 business; however, did not provide XXX-C for Borrower 2 XXX returns. Condition retained. | 11/04/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per fraud report, the borrowers own the property at XXX XXX. Please provide supporting documentation for excluding housing expense from the DTI. Per Final 1003, there is a debt with XXX with a monthly payment of XXX and a balance of XXX however this debt could not be verified. Please provide credit supplement or a credit card Statement. | Proof of ownership and UDN that reflects the XXX balance and payment used to qualify; Proof of ownership at XXX XXX, please review and advise. | 10/27/2025 | Condition resolved as we have received evidence borrower doe snot own the REO and received evidence of XXX payment. ; Borrower 1 Credit Report is not partially present. | 10/29/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide title report with sufficient coverage of the loan amount of XXX | Title Policy | 10/30/2025 | 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 | 11/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to have employer of B1 confirm bonus likely to continue. FNMA requires confirmation of likely to continue. There is no bonus so far in XXX Additional conditions may apply. Lender to provide satisfactory explanation and documentation for income of XXX per month for B2. Verification in file shows it as "other" income. Notes in file from lender indicate it is commission and is under XXX and is NOT taxable so it can be grossed up. Documentation of this is required. Borrower's employer to confirm overtime is likely to continue as per FNMA guidelines require.. Additional conditions may apply. | XX/XX/XXXX XXX: Please see the attached confirmation that B1 has received Bonus income for XXX This amount is greater than the amount received in XXX indicating stabilization in the bonus earnings. As for the "other income" being qualified from B2, please see the attached confirmation from the USPS website confirming that XXX earnings are not included in the employee's gross income for federal income tax purposes. This is the confirmation that the earnings are not taxable. In regards to the continuity of the overtime income, FNMA B3-XXX-XXX States that "unless the lender has knowledge to the contrary, if the income does not have a defined expiration date and the applicable history of receipt of the income is documented (per the specific income type), the lender may conclude that the income is stable, predictable, and likely to continue. The lender is not expected to request additional documentation from the borrower." The guideline goes on to list overtime as an example of an income type without a defined expiration date. There is evidence within the file that the borrower has a XXX year history of receiving overtime earnings with USPS, and their most recent paystub reflects overtime earnings already earned YTD for XXX Nothing additional would be needed to document the continuation of the overtime income, per the FNMA guidelines. | 10/23/2025 | Lender provided WVOE for Borrower 1 supporting income and meeting AUS and FNMA requirements for receipt and continuance of bonus income. In addition, Lender provided verification the XXX income for Borrower 2 is not included in the employees gross income for federal income tax purposes verifying the income is not taxed and can be grossed up. Condition cleared.; Income and Employment Meet Guidelines | 10/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE for B2 within XXX days of closing. VVOE's in file are outdated. | Closing VOE Bwr XXX | 10/27/2025 | Lender provided email correspondence from Borrower 2 employer, dated within XXX business days of the Note date verifying Borrower 2 employment. Condition cleared.; Borrower 2 3rd Party VOE Prior to Close Was Provided or XXX (Number of Borrowers equals XXX) | 10/29/2025 | 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 LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J300 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | 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% \| XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA on the lowest appraisal value of XXX | XX/XX/XXXX - XXX: Please see the attached CDA for the lower value appraisal completed on XX/XX/XXXX. ; XX/XX/XXXX - XXX: Please see attached. ; XX/XX/XXXX - XXX: Please see attached. | 11/05/2025 | 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.; Lender provided CDA on higher valued appraisal; however, did not provide the CDA on the lower valued appraisal. Condition retained.; Finding remains as we are still missing the CDA for the Lower value appraisal at $XXX; Lender provided CDA on higher valued appraisal; however, did not provide CDA on the lowered value appraisal. Condition retained. | 11/07/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX 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 CCLTV of XXX% A |
| OBX2026J086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX 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 CLTV of XXX% A |
| OBX2026J034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| 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 |
| OBX2026J034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Client overlay: Please provide Corrected Final CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD. XXX overlays don't permit assumptions of any kind. | attached | 10/23/2025 | Lender provided PCCD reflecting correction on page XXX reflecting will not allow assumption. Condition cleared. | 10/24/2025 | 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% \| 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% A |
| OBX2026J264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J264 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Primary Value appraiser's license was not effective until XX/XX/XXXX and the Valuation Date is XX/XX/XXXX. | please cancel, the appraiser license provided on page XXX of the initial file didn't expire until XX/XX/XXXX, report was dated XX/XX/XXXX. | 10/24/2025 | Audit reviewed Lender's response and has determined an audit search of the appraiser's license online through the State website verifies the appraiser's license original effective date is XX/XX/XXXX - XX/XX/XXXX. Condition cleared.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Credit | Borrower Non-US Citizen Identification Document Missing | Non XXX Borrower is missing Identification Document. Missing residency document for Borrower 1. Per Final 1003, the Borrower is a XXX. | Explanation regarding XXX XXX; 1003 | 10/30/2025 | Lender provided explanation for incorrect 1003 reflecting as XXX was done in error. The initial 1003 reflects Borrower as a XXX and Fraud and other documentation supports Borrower as a XXX. Condition cleared.; Borrower Identification Document provided.; Audit reviewed Lenders response, however; Updated 1003 received with XXX updated to XXX and no LOE or other documentation received verifying the correction/update. Condition remains. | 10/31/2025 | 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | Hazard Insurance with Checklist - with the checklist can this be cleared? | 10/27/2025 | Lender provided HOI Documentation verifying suffieicent coverage. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/29/2025 | 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA | 10/27/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Acknowledged | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX XXX overlays require a minimum loan amount of conforming plus $XXX. In this case that would be XXX |  |  | XXX approved exception - Grade B | 11/04/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX 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 ##XXX## \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | XX/XX/XXXX XXX: Please note that third-party public record confirms there is no HOA associated with the property at XXX. | 10/23/2025 | Lender provided property search through FraudGUARD for property XXX, reflecting property does not have HOA fees. Condition cleared. | 10/24/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J237 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Additional conditions may apply. | CDA - value supported | 10/29/2025 | 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. | 10/31/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J248 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J274 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application shows the second home located at XXX is owned mortgage-free, with other reported housing expenses of $XXX. The file does not include documentation to support this amount. Please provide documentation to verify the housing expenses for this property. | REO docs; reo | 11/05/2025 | Lender provided hoi and taxes verifying other expenses of $XXX. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided HOA documentation verifying monthly payments of XXX for XXX. Please provide documentation to support the additional amount of XXX for the expenses on property XXX. Condition retained. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J262 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Cured | XXX | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.[[(12 CFR ##_XXX_##)The finance charge is $XXX. The disclosed finance charge of XXX is not considered accurate because it is underStated by more than XXX TILA Finance Charge fail by XXX The following fees were included in the finance charge = Flood Certification XXX Interest XXX Processing Fee XXX Recording Service Fee XXX Closing Fee XXX Title Processing Fee XXX Title Services XXX and Underwriting Fee $XXX. Per the lenders compliance report, lender did not include the Title Services Fee into the finance charge calculations. Please provide a breakdown of the Title-Services Fee or provide a cure package for $XXX. | PCCD, LOX, XXX refund check and shipping label | 11/03/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/05/2025 | XXX is Greater than the Guideline Minimum - 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% B A |
| OBX2026J259 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | XXX is Greater than the Guideline Minimum - 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% B A |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE for the new employer, "XXX". Please provide VOE confirming that the Borrower will start on XX/XX/XXXX. | VOE confirming that the Borrower will start on XX/XX/XXXX | 10/24/2025 | Lender provided LOE from new employer indicating Borrower has satisfied all pre-employment requirements for their upcoming position, which meets AUS and FNMA requirements for future employment. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/17/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | Borrower 1 Award Letter Missing | Borrower 1 Award Letter Missing Missing offer letter from the new employer, "XXX". Per Final 1003, the Borrower start date XX/XX/XXXX with the qualifying income of XXX from the new employer, "XXX". | XXX - Extend Offer signed.; Letter confirming that the Borrower will start on XXX | 11/06/2025 | Borrower 1 Award Letter Provided; Lender provided an LOE from new employer verifying all of the contingencies for the employment has been met; however, did not provide the actual offer letter signed by the employer and the Borrower verifying the terms of the employment. Please provide the full executed offer letter, verifying the terms of employment to meet FNMA requirements. Condition retained.; Borrower 1 Award Letter Missing | 11/17/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Rescinded | XXX | Credit | AUS Partially Provided | AUS Partially Provided Per AUS #XXX, DU did not evaluate the borrower's rent payment history using the Verification of Asset report because they do not meet criteria for evaluating positive rental payment history. A resubmission is required. Note: The borrower owns their property at XXX. and payment history is reflecting on the credit report. |  |  | AUS is not incomplete Audit reviewed Lender's response and has determined AUS in file is sufficient. The Risk / Eligibility message is non-material as Borrower owns their primary residence for previous XXX years and mortgage history is on the credit report. Condition rescinded. | 11/06/2025 | D A |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing Borrower 1 3rd Party VOE for the new employer, "XXX". Please provide VOE confirming that the Borrower will start on XX/XX/XXXX. | VOE confirming that the Borrower will start on XX/XX/XXXX | 10/24/2025 | Lender provided LOE from new employer indicating Borrower has satisfied all pre-employment requirements for their upcoming position, which meets AUS and FNMA requirements for future employment. Condition cleared.; ATR: Current Employment Was Verified | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | Purchase Contract is Incomplete | Loan Purpose is Purchase but Purchase Contract Doc is Incomplete Missing Purchase Contract Addendum reflecting the new purchase price of XXX | Addendum XXX | 10/24/2025 | Lender provided purchase contract addendum reflecting purchase price of XXX Condition cleared.; Purchase Contract Doc is complete. | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A B |
| OBX2026J188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Please provide copy of the executed final CD. Per the lenders disclosure tracker, the final CD was issued on XX/XX/XXXX. | final CD issue XX/XX/XXXX | 10/24/2025 | Lender provided final signed CD. Condition cleared.; TRID: Final Closing Disclosure Provided | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance |  |  |  | TPV inn file that meets requirement.; Third party valuation product provided within tolerance.; Third Party Valuation product not provided within XXX% tolerance. | 10/24/2025 | C A |
| OBX2026J012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Lender to provide proof of taxes for the property at XXX. Additional conditions may apply. | proof of taxes | 10/30/2025 | Lender provided tax information for property XXX. Condition cleared. | 11/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Acknowledged | XXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited Loan Amount of XXX is less than the Guideline Minimum Loan Amount of XXX Conforming loan limit is XXX and actual loan limit is lower. |  |  | XXX authorized downgrade to B. | 10/31/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Please provide eSigned consent disclosure. Provide eConsent dated on or before XX/XX/XXXX. | initial e consent on XX/XX/XXXX | 10/28/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | fraud report | 10/28/2025 | Lender provided Fraud Report with no red flags. Condition cleared.; Third Party Fraud Report is provided | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA | 10/28/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX 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% A |
| OBX2026J252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Borrower is self XXX. Cash Flow Analysis (Form XXX) or equivalent is required per DU. | XXX upld | 11/12/2025 | Lender provided the cash flow analysis. Condition cleared.; Income and Employment Meet Guidelines Lender provided the cash flow analysis. Condition cleared. | 11/20/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement, For the properties located at XXX XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, Statements, or Appraisal. Additional conditions may apply. | rebuttal and hoa docs-XXX XXX | 10/29/2025 | Lender provided HOA docs for property XXX and LOE from Borrower indicating no HOA for property XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/31/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required. Evidence the borrower signed an econsent prior to the first esigned document XX/XX/XXXX | proof econsent accepted upld | 10/28/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided. | 10/29/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J252 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Endorsement | 11/05/2025 | Lender provided title reflecting sufficient coverage of XXX Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 11/07/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: 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. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[(12 CFR ##_XXX_##(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 // | 10/29/2025 | Lender provided Initial CD. Condition cleared.; Lender provided Initial CD. Condition cleared. | 10/31/2025 | 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 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Compliance | CA Per Diem Interest Amount Test | This loan failed the per diem interest amount test. (XXX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan XXX exceeds the per diem interest charge or credit threshold ($XXX) LEASE NOTE: An additional XXX buffer was included in the per diem interest charge or credit threshold displayed above based on the client preferences configured on the per diem interest settings page. Closing occurred on XX/XX/XXXX, but Final CD has a disbursement date of XX/XX/XXXX. Provide the Final/PCCD that has the correct disbursement date. | Per diam PCCD | 11/03/2025 | Lender provided LOE and PCCD reflecting updated prepaid interest date. Audit re-ran compliance and has determined the Per Diem Interest Amount is within tolerance. Condition cleared.; Lender provided LOE and PCCD reflecting updated prepaid interest date. Audit re-ran compliance and has determined the Per Diem Interest Amount is within tolerance. Condition cleared. | 11/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J281 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Compliance | Final CD: Disbursement Date is missing or inaccurate | Closing occurred on XX/XX/XXXX, but Final CD has a disbursement date of XX/XX/XXXX. Provide the Final/PCCD that has the correct disbursement date. | PCCD with corrected disbursement date submitted on other loan | 11/03/2025 | Lender provided PCCD correcting Loan Disclosures on page XXX to reflect Will not allow assumption. Condition cleared. | 11/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | XXX | Credit | Borrower 2 Tax Returns Not Signed | Borrower 2 Tax Returns Not Signed Please provide signed federal income tax returns (individual) for Borrower 1 and Borrower 2 for the most recent two years, along with signed federal business tax returns for XXX for the most recent two years. | Signed tax returns | 10/29/2025 | Lender provided executed XXX-C for Borrower 1, Borrower 2, business XXX, signed signature pages for XXX and business tax returns. Condition cleared. | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. A |
| OBX2026J094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | XXX | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed XXX-T Missing Please provide the signed XXX Form XXX-C for Borrower 1, Borrower 2 and the business entity XXX. | All XXX's | 10/29/2025 | Lender provided executed XXX-C for Borrower 1, Borrower 2, business XXX, signed signature pages for XXX and business tax returns. Condition cleared.; Borrower 1 Executed XXX-T Provided | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. A |
| OBX2026J094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | XXX | Credit | Borrower 1 Tax Returns Not Signed | Borrower 1 Tax Returns Not Signed Please provide signed federal income tax returns (individual) for Borrower 1 and Borrower 2 for the most recent XXX years, along with signed federal business tax returns for XXX for the most recent two years. | Signed returns | 10/29/2025 | Lender provided executed XXX-C for Borrower 1, Borrower 2, business XXX, signed signature pages for XXX and business tax returns. Condition cleared.; Borrower 1 Tax Returns Are Signed | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. A |
| OBX2026J094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 10/27/2025 | Resolved | XXX | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed XXX-T Missing Please provide the signed XXX Form XXX-C for Borrower 1, Borrower 2 and the business entity XXX. | XXX | 10/29/2025 | Lender provided executed XXX-C for Borrower 1, Borrower 2, business XXX, signed signature pages for XXX and business tax returns. Condition cleared. | 10/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. A |
| OBX2026J271 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J256 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J235 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| OBX2026J258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2026J258 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Missing XXX Patriot Act Disclosure or ID. | patriot form | 10/30/2025 | Lender provided completed Patriot Act form. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Material | 11/05/2025 | 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 LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX 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% A |
| OBX2026J278 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2026J007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/24/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated within XXX business days of application XX/XX/XXXX | ABA LOX | 10/31/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 10/31/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | XX/XX/XXXX XXX please see attached please clear thank you | 10/31/2025 | Lender provided title reflecting sufficient coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material | 10/31/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | Loan has escrow holdback. No proof it was released provided in file | Final CD shows an escrow holdback for occupancy in the amount of $XXX. The Due Diligence firm has spoken directly with the Investor and confirmed that the investor will not purchase loans that are subject to an escrow holdback. Loan is ineligible for purchase. | escrow release condition | 11/10/2025 | Condition cleared as we have received evidence of the escrow check cut for completion of work form title company. | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure for XXX | ABA LOX | 10/31/2025 | Lender provided attestation of no affiliates on subject transaction. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 10/31/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. D A |
| OBX2026J050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Rescinded | XXX | Credit | AUS Partially Provided | AUS Partially Provided Cash out exceeds maximum allowed on a DU approval of limited cash out. Final CD shows borrower received cash back of $XXX. Rerun DU to approve as a cash out. Additional conditions may apply. |  |  | Audit reviewed Lender's response and has determined FNMA allows for the greater of XXX% of the new refinance loan amount of XXX on a Limited Cash-out refinance transaction. The cash-back to the Borrower of XXX is within the XXX% tolerance of XXX of the new loan amount of $XXX. The loan approved as a Limited Cash-out is correct. Condition rescinded.; AUS is not incomplete | 11/03/2025 | C A |
| OBX2026J191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided LP approval mentions XXX HELOC to be explained. Credit report reflects an open credit line with a XXX balance but is not accounted for or confirmed against the subject property. Lender to explain this CU account, and document accordingly. Additional conditions may apply. | AUS XXX/1003 | 11/06/2025 | Lender provided updated AUS, XXX and indicated the XXX is a credit line for overdraft fees. The credit report confirms the account is a credit line and would not be associated with a property. Condition cleared.; AUS is not incomplete Lender provided updated AUS, XXX and indicated the XXX is a credit line for overdraft fees. The credit report confirms the account is a credit line and would not be associated with a property. Condition cleared. | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Rescinded | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application discloses a monthly expense of XXX for the investment property located at XXX XXX. The file is missing documentation to validate the source and amount. Please provide documentation to validate the monthly expense of $XXX. |  |  | Audit reviewed Lender's response and has determined the documentation for property XXX XXX is on page XXX-XXX verifying property is a lot only with no HOA fees and verifying monthly tax information. Condition rescinded.; Borrower 1 Credit Report is not partially present. | 10/30/2025 | C A |
| OBX2026J025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an application date after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. The signed SCIF form is missing for the borrower. | Supplemental attached | 10/30/2025 | This Supplemental Consumer Information Form is Present. Lender provided SCIF. Condition cleared. | 11/07/2025 | 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% \| 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The mortgage Statement for the property at XXX XXX does not indicate XXX are escrowed. Please provide XXX documentation or verification that XXX are escrowed. | Please see MTG STMT | 10/30/2025 | Lender provided mortgage Statement for property XXX XXX verifying escrows include both XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/04/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed XXX-T Missing Missing Borrower 2 Executed XXX-T. | XXX | 11/07/2025 | Condition cleared as we have received the 4506C. ; Borrower 2 Executed XXX-T Provided or XXX (Number of Borrowers equals XXX) | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | 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 XXX. If HOA dues are XXX, a LOE stating there are no HOA dues is required. Per Final 1003, the properties at XXX XXX are owned free and clear. Please provide property profile report reflecting the properties at XXX XXX are owned free and clear. | REO Docs | 11/03/2025 | Lender provided mortgage Statements, taxes, hoi, LOE for no HOA fees on REO properties, along with property search and lien reports verifying properties XXX XXX are owned free and clear. Documentation provided verified PITIA on REO properties. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/05/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title showing a t a minimum coverage of XXX | Title Policy | 11/06/2025 | Cleared as we have received the updated title commitment. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Material Finding | 11/12/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | Missing Property Tax Cert | Missing Property Tax Cert Missing proof of taxes. Title report doesn't show it and no other docs in file confirm taxes on this property. Additional conditions may apply. | Tax Cert | 11/03/2025 | Lender provided property tax certificate. Condition cleared.; Property Tax Cert Provided Lender provided Property Tax Certificate. Condition cleared. | 11/12/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Compliance | Homeownership Counseling Disclosure Is Missing | Homeownership Counseling Disclosure Is Missing Documentation required to clear exception - Provide Homeownership Counseling List issued within XXX business days of application. | Homeownership Counseling Disclosure | 11/03/2025 | Lender provided Homeownership Counseling Disclosure. Condition cleared.; Homeownership Counseling Disclosure Is Present or XXX | 11/05/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_XXX_## ,. Documentation required to clear exception - Confirmation that borrower was provided appraisal within XXX business days of consummation or that they waived the right. Appraisal was sent XX/XX/XXXX and consummation was XX/XX/XXXX per documentation in file. | appraisal delivery | 11/03/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided. | 11/05/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Compliance | Colo. Rev. Stat. § 12-61-904.5 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria | Colo. Rev. Stat. § 12-61-904.5 - Tangible Net Benefit Disclosure missing or no evidence it was provided prior to or at consummation or unable to validate tangible net benefit criteria. Documentation required to clear exception - Provide Tangible Net Benefit Disclosure provided to borrower. | Tangible Net Benefit Disclosure | 11/03/2025 | Lender provided Net Tangible Benefit Disclosure. Condition cleared.; Tangible Net Benefit Disclosure was provided prior to or at consummation. | 11/05/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 CCLTV of XXX% Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2026J286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J286 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Lender to provide proof of solar payment for XXX per month as per Final 1003. Additional conditions may apply. | solar docs upld | 11/04/2025 | Condition cleared as we have received evidence of the Solar payments. ; Borrower 1 Credit Report is not partially present. | 11/05/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing HOA Statement for the property at XXX. Please provide HOA Statement. Note: Per insurance policy, the property at XXX XXX. | the HOA for XXX is a XXX unit building which is self managed between XXX – XXX – XXX. The XXX Statement is the HOA account which shows the deposited HOA dues for each unit of XXX | 11/03/2025 | Lender provided a bank Statement for XXX reflecting monthly HOA fee deposit of $XXX. Audit re-calculated DTI of XXX% is within tolerance of the AUS DTI of XXX%. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/04/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | DWELIING AND PRIVATE COVAGRE EQUAL RCE AMOUNT XXX | 11/04/2025 | Condition cleared as we have received evidence of dwelling coverage meeting replacement cost. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Acknowledged | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR ##_XXX_## ,. The Appraisal delivery date of XX/XX/XXXX is less than XXX business days prior to the consummation date of XX/XX/XXXX. Please provide evidence borrowers received the appraisal at least XXX business days prior to consummation or executed appraisal timing waiver. | Escrow State - PCCD/LOE and Final Settlement Stmt confirm disbursement date XX/XX/XXXX. | 11/06/2025 | XXX exhausted efforts to obtain - Grade B Disclosure - XXX Acknowledges - Grade B; The finding remains as the appraisal delivery date is on XXX days from the Consummation date. The Disbursement date will not have any effect on this. Only the signed appraisal receipt waiver will be able to cure this issue. 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. (##XXX##. The Appraisal delivery date of XX/XX/XXXX is less than XXX business days prior to the consummation date of XX/XX/XXXX. Please provide evidence borrowers received the appraisal at least XXX business days prior to consummation or executed appraisal timing waiver.; Material Finding; Material Finding; The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. The Appraisal delivery date of XX/XX/XXXX is less than XXX business days prior to the consummation date of XX/XX/XXXX. Please provide evidence borrowers received the appraisal at least XXX business days prior to consummation or executed appraisal timing waiver. | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - 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 CCLTV of XXX% A |
| OBX2026J058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% A |
| OBX2026J058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Patriot Act Form with Identification documents reviewed for the borrower and co borrower are missing from the file. Additional conditions may apply. | IDs | 11/03/2025 | Condition cleared as we have received copy of borrowers license. ; XXX Patriot Act Disclosure or ID provided. | 11/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | Missing ULI number on Final 1003. Please provide ULI number. | ULI# | 11/03/2025 | Condition resolved as we have received lenders missing ULI. | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | E CONSENT | 11/03/2025 | Condition cleared as we have received the missing E-consent from lender. ; Evidence of eConsent is provided. | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX, per privacy policy in file the lender has affiliates | AFFIL BIZ DISCLOSURE LOE | 11/03/2025 | Condition cleared as we have received evidence of no affiliates used from lender. ; Required Affiliated Business Disclosure Documentation Provided | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided AUS shows an appraised value of $XXX. According to the appraisal in file the "As Is" value is $XXX. Please provide a revised AUS/XXX showing the correct appraised value. Additional conditions may apply. | REV AUS | 11/04/2025 | Cleared as we have received the updated LPA from the lender. ; AUS is not incomplete | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Recalculated DTI of XXX% exceeds the AUS DTI of XXX% due to income discrepancies. The AUS findings were based on a Co-Borrower income of $XXX. However, the final application does not list an employer or any other sources of income, and the file does not include income documentation for the Co-Borrower. | The max DTI allowed is XXX% see AUS; The max DTI is XXX% per the matrix, see XXX snips below. | 11/06/2025 | Condition cleared as we have received the updated LP with DTI of XXX% from lender.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; The finding remains as the AUS is required to be updated based on the higher DTI as the variance is greater than XXX% Audited DTI of XXX% exceeds AUS DTI of XXX% Recalculated DTI of XXX% exceeds the AUS DTI of XXX% due to income discrepancies. The AUS findings were based on a Co-Borrower income of $XXX. However, the final application does not list an employer or any other sources of income, and the file does not include income documentation for the Co-Borrower. | 12/09/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX 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 \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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% A |
| OBX2026J088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA for the property at XXX. Additional conditions apply. | XX/XX/XXXX XXX: Please see attached, showing the maximum amount for the monthly HOA dues for this property. | 11/11/2025 | Condition resolved as we have received the HOA evidence for | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | Please see attached | 11/12/2025 | XXX approved usage of XXX GL's - no TPV required - CU Score is a XXX; Audit reviewed Lender's response. A CDA is required on all appraisals per XXX overlays. Condition retained. ; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA. | 11/17/2025 | C A B |
| OBX2026J013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation that the lender has no affiliates. | Please see attached regarding affiliated disclosure | 11/12/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material Finding; Material Finding; Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation that the lender has no affiliates. | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Missing CDA. Per guidelines, All appraisals require a XXX (CDA) or a Field Review, where applicable. | here you go | 11/10/2025 | Condition cleared as we have received the missing CDA from lender. ; Third party valuation product provided within tolerance. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A |
| OBX2026J054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. C A |
| OBX2026J220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J220 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). 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 COC. The XXXtolerance violation is due to two reasons. The Appraisal fee increased from XXX to XXX on the revised LE dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for the appraisal fee increase. XXX tolerance cure on the final CD was for the Credit Report Fee violation and was sufficient to cover. Please provide a valid COC or cure package. | Re-Discl LE XX/XX/XXXX for appraisal increase | 11/03/2025 | Lender provided valid COC for increase in appraisal fee, which was due to appraisal complexity, and is supported by the appraisal invoice in file. Condition cleared.; Lender provided valid COC for increase in appraisal fee, which was due to appraisal complexity, and is supported by the appraisal invoice in file. Condition cleared. | 11/05/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA | 11/04/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J284 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Cured | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_XXX_## ,]] 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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check. Valid COC. The XXX% tolerance violation of XXX is due to the increase of the Recording Fee on the revised LE dated XX/XX/XXXX from XXX to XXX without a valid COC in file. Tolerance cure of XXX given on the final CD dated XX/XX/XXXX was insufficient to cover. Please provide a valid COC or cure package. | PCCD package | 11/11/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| OBX2026J255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). TILA 130 Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of refund Check, and Proof of Delivery or valid COC. The XXX% tolerance violation is due to the increase of the Credit Report Fee from XXX to XXX on the final CD dated XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. | PCCD package | 11/11/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| OBX2026J255 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. C A |
| OBX2026J044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided Appraised value on the AUS is XXX compared to appraisal of $XXX. Please provide a revised AUS. | CDA and most recent matches AUS amt | 11/04/2025 | AUS is not incomplete | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed XXX-T Missing File is missing the XXX for XXX, XXX, and XXX. Additional conditions may apply. | attached | 11/10/2025 | Condition cleared as we have received the missing XXX's from lender. ; Borrower 1 Executed XXX-T Provided | 11/12/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2026J033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2026J095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Mavent Report | 11/03/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA to be completed by DD firm. Condition retained. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | econsent | 11/10/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Finding; Material Finding | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J282 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J215 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: The first eSigned document in the file is dated XX/XX/XXXX. Need borrower eConsent dated on or before XX/XX/XXXX. | E CONSENT | 11/05/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material Finding; Material Finding | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. |  |  | Third party valuation product provided within tolerance.; Material; Material; ; CDA to be provided by Lender | 12/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Rescinded | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA Desk review. | Condition requesting a CDA | 11/12/2025 | XXX approved the usage of XXX GLs - no TPV required - CU score is XXX; Audit reviewed Lender's response. A CDA on all appraisals is a XXX overlay requirement. Condition retained. | 11/17/2025 | C A |
| OBX2026J014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing COMPLETE copy of XXX business returns for all XXX businesses. The file has scattered pages of returns but we need a complete copy of each companies business return for XXX Subject to further analysis and approval once business returns come back. Please note we have XXX K1's for all businesses. Additional conditions may apply. | XXX Returns | 11/12/2025 | Income and Employment Meet Guidelines Lender provided XXX returns for all XXX businesses. Condition cleared.; Income and Employment Meet Guidelines Lender provided XXX returns for all XXX businesses. Condition cleared.; Income and Employment Meet Guidelines Lender provided XXX returns for all XXX businesses. Condition cleared. | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | Audit | 11/11/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Finding; Material Finding | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid coc or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The Appraisal Review Fee of XXX was added on the CD issued XX/XX/XXXX. The file does not contain a valid COC for the addition of the fee. | XX/XX/XXXX COC | 11/11/2025 | Lender provided valid COC for increase in appraisal review fee, which is due to requirement for appraisal review and is supported by the appraisal review in file dated XX/XX/XXXX and was re-disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for increase in appraisal review fee, which is due to requirement for appraisal review and is supported by the appraisal review in file dated XX/XX/XXXX and was re-disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for increase in appraisal review fee, which is due to requirement for appraisal review and is supported by the appraisal review in file dated XX/XX/XXXX and was re-disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for increase in appraisal review fee, which is due to requirement for appraisal review and is supported by the appraisal review in file dated XX/XX/XXXX and was re-disclosed within XXX days of the change. Condition cleared. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J275 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J280 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Total monthly liabilities of XXX is greater than the lender's total monthly liabilities of XXX. There is a XXX difference that is not identified or found. Please provide a list of total liabilities for review. | liabilities | 11/10/2025 | Condition resolved as we have received lenders breakdown of liabilities. | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| 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% A |
| OBX2026J206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| 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% A |
| OBX2026J299 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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 LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | AUS Partially Provided | AUS Partially Provided The AUS approved the DTI at XXX% however the DTI increased to XXX% due to including the HOA dues of XXX for the property at XXX XXX into the DTI. A resubmission is required. | XX/XX/XXXX XXX: See attached AUS Findings | 11/10/2025 | Lender provided updated AUS. Condition cleared.; AUS is not incomplete Lender provided updated AUS. Condition cleared. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). 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 zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal review fee. The COC dated XX/XX/XXXX does not provide a reason why the fee was added. Please provide a revised COC to provide specific information on why it was added. | PCCD docs | 11/12/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/14/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J266 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J285 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing XXX of XXX mo. mortgage rating for primary residence. Residence has been refinanced and supplement shows XXX mo rating however could not connect prior mortgage ratings on the credit report to show the last XXX mo mortgage history. Lender to provide. Additional conditions may apply. | Where in the guidelines does it State we need a XXX month housing payment history? We reviewed the guidelines and we do not see it. The primary was not refinanced, they took out a new home equity loan. Can you please advise. Thank you! | 11/12/2025 | Audit reviewed Lender's response and has determined the fraud report supports primary residence was owned free and clear prior to the current mortgage dated XX/XX/XXXX; therefore, there would not be a XXX month mortgage history available on the property. The credit supplement in file reflecting the new mortgage is sufficient to meet AUS and FNMA requirements. Condition cleared.; Housing History Meets Guideline Requirements | 11/14/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Compliance | Initial Closing Disclosure Delivery Date Test | There's no evidence of an ICD sent a minimum of XXX business days and/or received a minimum of XXX business days prior to closing XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:[[12 CFR ##_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 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 | 11/10/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J218 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared. ; HMDA Data Tape Provided. | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure | Affiliated Business LOE attached | 11/07/2025 | Condition cleared as we have received attestation from lender for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J290 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Rescinded | XXX | Credit | Missing Taxpayer First Act Disclosure | Taxpayer First Act Disclosure is missing. Taxpayer disclosure was not provided in the file for either borrower. | Do you mean the XXX? I'm unaware of a disclosure called taxpayer first. | 11/07/2025 | Audit reviewed Lender's response and has determined the XXX verbiage is included in the 1003 for both Borrowers. Condition rescinded.; Taxpayer First Act Disclosure is provided; Taxpayer First Act Disclosure is missing. | 11/12/2025 | C A |
| OBX2026J290 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J227 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | What do you need to clear this condition? | 11/10/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per Line XXX of the DU, XXX years income tax returns are required. File only contains XXX's and Schedule C. XXX) Business license for XXX shows Terminated/Dissolved. Please provide the active business license for the borrower's schedule C income. Additional conditions may apply. | Please advise where you are seeing the business license in the file. I do not see it, but we sent send the CPA letter which confirms the business is active. | 11/18/2025 | Audit reviewed Lender's response and has determined the VVOE for Borrower's schedule C / XXX business dated within XXX days of the Note date is found in the loan file on page XXX Condition cleared. | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal review fee. A COC is required to determine if it was a valid change. This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). | Rebuttal | 11/13/2025 | Lender provided valid COC for increase in appraisal review fee, which was due to requirement for appraisal review. The appraisal review in file verifies the fee was disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for increase in appraisal review fee, which was due to requirement for appraisal review. The appraisal review in file verifies the fee was disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for increase in appraisal review fee, which was due to requirement for appraisal review. The appraisal review in file verifies the fee was disclosed within XXX days of the change. Condition cleared.; Lender provided valid COC for increase in appraisal review fee, which was due to requirement for appraisal review. The appraisal review in file verifies the fee was disclosed within XXX days of the change. Condition cleared. | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J253 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J272 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | XXX is Greater than the Guideline Minimum - XXX 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 |
| OBX2026J249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | 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 proof of HOA or letter from the borrower stating no HOA for the property at XXX XXX. Additional conditions may apply. | HOA XXX and XXX HOI | 11/20/2025 | Document Uploaded. ; Lender provided hoi for property XXX XXX and property search for XXX reflecting HOA fees. Audit property search of the property supports the monthly HOA fees on property XXX. Condition cleared. | 11/21/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J249 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Lender to provide satisfactory explanation regarding gift letter in file. Gift is for the same amount as cash required for closing on Final CD and that gift letter States was sent to settlement agent. Gift is not showing on Final CD. Additional conditions may apply. | pccd showing gift funds | 11/12/2025 | Condition cleared as we have received PCCD reflecting the gift funds on page XXX ; Asset Qualification Meets Guideline Requirements | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A B |
| OBX2026J190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/05/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Please provide eSigned consent disclosure for the initial disclosure e signed XX/XX/XXXX | consent form for initial disclosures | 11/10/2025 | Condition cleared as we have received the e-consent from lender. ; Evidence of eConsent is provided. | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A B |
| OBX2026J190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | ULI Number on URLA does not match ULI Number provided by the Lender | The ULI Number on URLA ([ULI]) is not a valid number. | 1003 with complete ULI, there was a system issue. | 11/10/2025 | Condition cleared as we have received lenders ULI number. | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A B |
| OBX2026J190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing XXX yrs W2's (XX/XX/XXXX) for B1. This information is not confirmed anywhere else in the file. Additional conditions may apply. B2 shows on job approximately XXX mos and prior was in school. Please provide proof was in school. I. School transcripts. | uploaded school transcripts and XXX and XXX income via 3rd party sources which would be acceptable per AUS. thans | 11/10/2025 | Condition cleared as we have received evidence of employment for last two years as well as transcripts. ; Income and Employment Meet Guidelines | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A B |
| OBX2026J190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA. (Desk Review) | see cda | 11/10/2025 | Third party valuation product provided within tolerance. | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A B |
| OBX2026J190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | XXX is Greater than the Guideline Minimum - 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% A B |
| OBX2026J010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. Please provide CDA. | Please see attached. | 11/12/2025 | 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. | 11/14/2025 | 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). 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 zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Review fee without a COC. | Cure Docs | 11/19/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J270 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. pending credit \| 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% \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). TILA 130 Cure Required. A refund in the amount of XXX is required. The cure package must include a PCCD, Letter of Explanation (LOE), and Copy of Refund Check, or a Valid Change of Circumstance (COC). A zero tolerance violation in the amount of XXX was identified due to the Appraisal Review Fee added to the Final CD (XX/XX/XXXX). COC in file dated XX/XX/XXXX references the addition of the fee but was not accepted because it was not within days of XX/XX/XXXX (when the fee was added) and also did not provide a reason for the addition of the fee. | XX/XX/XXXX CD;. | 11/21/2025 | Condition cleared as we have received the missing XX/XX/XXXX CD with the Admin fee added. ; Condition cleared as we have received the missing XX/XX/XXXX CD with the Admin fee added. ; The finding remains as the COC must be dated within XXX days of the CD reflecting the changed fee. The COC was dated XX/XX/XXXX and the CD was not issued until XX/XX/XXXX. | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J283 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Original LTV 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 CLTV is Below the Guideline Maximum - Calculated CCLTV of XXX% is less than Guideline CCLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 11/13/2025 | XXX is Greater than the Guideline Minimum - XXX 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 \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2026J029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The declaration page has total coverage of XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply. | The Hazard insurance policy States the coverage is at replacement cost. Please review | 11/12/2025 | Lender provided Insurance Binder reflecting coverage is based on replacement cost of the mortgage premises. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). 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. | 11/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX 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 \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. A |
| OBX2026J219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Cured | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). TILA 130 Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of Refund Check, or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase of appraisal fee from XXX to XXX on initial CD dated XX/XX/XXXX. COC in file dated XX/XX/XXXX does not detail a valid reason for the fee increase and additionally does not meet the timing requirements. Please provide a valid COC within XXX days of disclosure or cure package. | Cure Docs; COC uploaded. | 11/19/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided COC; however, the COC form does not reflect a valid change of circumstance for increase in appraisal fee. Audit is unable to determined what caused the appraisal fee to increase. Condition retained. | 11/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J219 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J234 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | Compliance Report | 11/17/2025 | Lender provided verification of Borrowers' eConsent. Condition cleared.; Evidence of eConsent is provided.; Material Finding; The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | 11/19/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX Patriot Act Disclosure or ID. Patriot Act Form with Identification documents reviewed for the borrower and co borrower are missing from the file. Additional conditions may apply. | Patriot Act Form | 11/17/2025 | Lender provided completed Patriot Act forms for both borrowers. Condition cleared.; XXX Patriot Act Disclosure or ID provided.; Material Finding; 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. | 11/19/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J243 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 11/19/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | 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 LTV of XXX% A |
| OBX2026J223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | XXX | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR ##_XXX_## ,]] 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). TILA 130b Cure required, refund in the amount of XXX with PCCD, LOE, Copy of Refund Check and Proof of delivery or a valid COC. The XXX% tolerance violation is due to the increase of the Title-Lenders Title Insurance Fee from XXX to XXX on the initial CD dated XX/XX/XXXX without a COC in file. Borrower chose lenders title service provider and fees are subject to XXX% Please provide a valid COC or cure package. | Final Settlement and PCCD attached with corrected fee. | 11/12/2025 | Lender provided LOE and PCCD correcting the Title Insurance Fee in section B to XXX and Title Owner's fee to XXX in section H. Per the settlement Statement the Title Insurance fee is XXX and Owner's Title insurance fee is $XXX. The final CD reflected these fees incorrectly. Condition cleared.; Lender provided LOE and PCCD correcting the Title Insurance Fee in section B to XXX and Title Owner's fee to XXX in section H. Per the settlement Statement the Title Insurance fee is XXX and Owner's Title insurance fee is $XXX. The final CD reflected these fees incorrectly. Condition cleared.; Lender provided LOE and PCCD correcting the Title Insurance Fee in section B to XXX and Title Owner's fee to XXX in section H. Per the settlement Statement the Title Insurance fee is XXX and Owner's Title insurance fee is $XXX. The final CD reflected these fees incorrectly. Condition cleared.; Lender provided LOE and PCCD correcting the Title Insurance Fee in section B to XXX and Title Owner's fee to XXX in section H. Per the settlement Statement the Title Insurance fee is XXX and Owner's Title insurance fee is $XXX. The final CD reflected these fees incorrectly. Condition cleared. | 11/14/2025 | 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% A |
| OBX2026J223 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 12 CFR ##_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). 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 zero tolerance violation in the amount of XXX is due to the addition of Discount Points on the final CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. | Valid COC attached. | 11/12/2025 | Lender provided valid COC for increase in discount points, which was due to a pricing change caused by a decrease in income and increase in DTI.; Lender provided valid COC for increase in discount points, which was due to a pricing change caused by a decrease in income and increase in DTI.; Lender provided valid COC for increase in discount points, which was due to a pricing change caused by a decrease in income and increase in DTI.; Lender provided valid COC for increase in discount points, which was due to a pricing change caused by a decrease in income and increase in DTI.; This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 ##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). | 11/14/2025 | 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% A |
| OBX2026J204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA for the property at XXX. Additional conditions may apply. | REO DOCS | 11/14/2025 | Condition resolved as we have received evidence of no HOA dues. | 11/19/2025 | D A B |
| OBX2026J204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | E CONSENT | 11/13/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material Finding | 11/14/2025 | D A B |
| OBX2026J204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | D A C B |
| OBX2026J269 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV 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 CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| OBX2026J239 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Rescinded | XXX | Compliance | Right of Rescission is Missing | Right of Rescission is Missing The Right to Cancel disclosure is missing. | XXX day RR XXX | 11/18/2025 | Rescinded as transaction doe snot require RTC. Permanent financing of const. loan. ; Right of Rescission is Provided; Right of Rescission is Missing The Right to Cancel disclosure is missing. | 11/19/2025 | C A |
| OBX2026J208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Rescinded | XXX | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end [[(12 CFR ##_XXX_## , transferred from 12 CFR ##_XXX_##), Open-end [[(12 CFR ##_XXX_## , transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR ##_XXX_## or §1026.15, or delivery of all material disclosures, whichever occurs last. The disbursement date of XX/XX/XXXX is not at least XXX business days after the consummation date of XX/XX/XXXX. | XXX-day RR XXX | 11/18/2025 | Rescinded as transaction doe snot require RTC. Permanent financing of const. loan. | 11/19/2025 | C A |
| OBX2026J208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 11/18/2025 | 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% 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% Calculated CLTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX 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 \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| OBX2026J276 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Rescinded | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Lender's total monthly payments of XXX is greater than the Audited amount of XXX Please provide total monthly payments used to qualify. |  |  | Audit reviewed Lender's response and has determined the variance was the 2nd home PITIA was not included in the original audit debt and the Installment auto loan with less than XXX payments should have been excluded from liabilities. Audit re-calculated the debt and has determined the audit debt matches Lender's and the audit DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition rescinded. | 11/26/2025 | C A |
| OBX2026J276 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | 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 LTV of XXX% \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA | 12/09/2025 | 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. | 12/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements XXX Missing gift letter for XXX proof funds received and source of funds from Giftor. (LP approval shows XXX gift) Additional conditions may apply. XXX EMD comes from a business account: B of A # XXX under the name of XXX. Proof of business entity and that borrower has ownership in it are in file however there is nothing on the XXX or business tax returns to show this business and if there might be a loss from it.(All borrower income is from XXX) Business was originated in XX/XX/XXXX. Lender to provide satisfactory explanation and further documentation if required. Additional conditions may apply. | XXX/1003/investor memo | 11/24/2025 | Lender provided updated 1003 and AUS removing the XXX gift. The loan file contains proof of business for the business bank Statements verifying Borrower's ownership of business for the bank Statements where the EMD was made from. Condition cleared.; Asset Qualification Meets Guideline Requirements | 11/26/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J238 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | XXX is Greater than the Guideline Minimum - XXX 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 LTV 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% A |
| OBX2026J229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | Verification of Borrower Liabilities Missing or Incomplete | Lender's total monthly payments are XXX and the audit total monthly payments are XXX per credit report. Lender using additional XXX in debts. Please provide evidence of the missing XXX in additional debt. | See page XXX of XXX of the divorce decree stating that XXX has been paying his ex wife XXX a month for home expenses. Also see page XXX of XXX where it States XXX will pay the minor childs XXX plan capping out at XXX a month. That is where is other debt is coming from. | 11/18/2025 | Lender provided explanation indicating the extra expenses are coming from the divorce decree. Audit confirmed divorce decree supports the other debt totaling $XXX. Condition cleared. | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J229 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J292 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Affiliated Business LOE attached | 11/17/2025 | Attestation provided - no affiliates - condition cleared; Required Affiliated Business Disclosure Documentation Provided | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing AVM. | both appraisals to resolve condition | 11/18/2025 | CDA received - within tolerance - cleared.; Finding remains as we only received a CDA on the appraisal for the higher value and not the appraisal for the lower value of $XXX; Third party valuation product provided within tolerance.; Audit reviewed Lenders response, however; Guidelines require a CDA on the lowest appraisal. Missing CDA for appraisal amount of $XXX. Condition remains. | 12/09/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J211 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed was electronically signed on XX/XX/XXXX. | both econsents to resolve condition | 11/18/2025 | Lender provided E-consent. Condition cleared.; Evidence of eConsent is provided. | 11/19/2025 | 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 11/21/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please provide update on hmda review | 11/20/2025 | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The Credit report is showing XXX mortgages in the amount is $XXX. Please provide the Credit Supplement showing payoff. Additional conditions may apply. | credit sup | 11/21/2025 | Resolved as credit supplement verified second mortgage closed. ; Borrower 1 Credit Report is not partially present. | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J289 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. | appraisal received | 11/24/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J287 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J254 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | 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 XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Documentation required to clear: Evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date XX/XX/XXXX. | Delivery appraisal ; appraisal acknowledgement/audit | 12/09/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Lender provided appraisal acknowledgement and verification of initial disclosure; however, did not provide verification of Borrower's receipt of appraisal. Condition retained.; Material | 12/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2026J245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing verification of Free and clear (Property Details report), hazard insurance and HOA if not Free and clear for XXX XXX. (Taxes were provided) | Loe HOA and Property report ; XXX | 12/09/2025 | Lender provided Property Detail report verifying property XXX is a vacant lot owned free and clear. Condition cleared.; Lender provided tax information; however, did not provide documentation to verify property XXX is owned free and clear. Condition retained. | 12/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2026J245 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2026J263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Please provide evidence the following properties are owned free and clear, such as a property profile: XXX XXX. Additional conditions may apply. | Property profile | 11/25/2025 | Finding remains active as the loan is still in borrows name and is the responsible party. | 11/26/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J263 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/21/2025 | 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/14/2025 | Resolved | XXX | Compliance | TRID Disclosure Delivery and Receipt Date Validation Test | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. The file has the Final CD issue date of XXX which is after the consummation date of XXX. Please clarify is an error with the issue date, or if it is actually a post consummation CD. If so, please also provide the missing final CD. | Final CD signed at closing attached. PCCD was originally submitted, due to an update with the payoff amount. | 12/03/2025 | Lender provided final CD. Audit re-ran compliance and has determined the TRID Disclosure Delivery date is within tolerance. Condition cleared.; Lender provided final CD. Audit re-ran compliance and has determined the TRID Disclosure Delivery date is within tolerance. Condition cleared.; Lender provided final CD. Audit re-ran compliance and has determined the TRID Disclosure Delivery date is within tolerance. Condition cleared.; Lender provided final CD. Audit re-ran compliance and has determined the TRID Disclosure Delivery date is within tolerance. Condition cleared. | 12/05/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Title attached | 12/01/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Additional documentation received; exception resolved.; Material | 12/03/2025 | 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/14/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | LOE attached | 11/25/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material | 11/26/2025 | 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | 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% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J210 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements Please provide documentation to support the retirement funds from XXX totaling $XXX. | XXX docs | 11/20/2025 | Lender provided asset documentation. Condition cleared.; Asset Record XXX Meets G/L Requirements Or XXX; Asset Record XXX Does Not Meet G/L Requirements | 11/21/2025 | 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% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J294 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J231 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX 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% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Missing current lease agreement and two months cancelled checks/equivalent payment source. Note: The lease agreement in file States the lease terminated on XX/XX/XXXX. Per Item #XXX on the AUS, The amount of the rental housing expense must be verified and documented. Acceptable documentation includes, but is not limited to one of the following: a direct verification from a management company or individual landlord, XXX months cancelled checks/equivalent payment source, XXX months bank Statements reflecting a clear and consistent payment to an organization or individual, or a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payment source. | Section B of lease shows going month to month \| Page XXX of stmt shows rents. | 11/20/2025 | Housing History Meets Guideline Requirements Lender provided Borrower's asset documentation that reflects XXX months payment transfers to the landlord. The lease agreement is in the loan file. The lease and the asset Statement meets AUS and FNMA requirements for verification of Borrower's rent / housing history. Condition cleared.; Housing History Meets Guideline Requirements Lender provided Borrower's asset documentation that reflects XXX months payment transfers to the landlord. The lease agreement is in the loan file. The lease and the asset Statement meets AUS and FNMA requirements for verification of Borrower's rent / housing history. Condition cleared.; Housing History Meets Guideline Requirements Lender provided Borrower's asset documentation that reflects XXX months payment transfers to the landlord. The lease agreement is in the loan file. The lease and the asset Statement meets AUS and FNMA requirements for verification of Borrower's rent / housing history. Condition cleared. | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. | initial consent | 11/20/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material | 11/21/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | See page XXX of attached for E-consent | 11/24/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | XXX | Compliance | TILA Right of Rescission Test | Cure Required: Right to cancel was signed by the borrower on XX/XX/XXXX with a cancel date of XX/XX/XXXX. The Final CD has a disbursement date of XX/XX/XXXX and per diem interest was collected from XX/XX/XXXX, therefore, borrower did not receive XXX days to cancel. In order to cure rescission needs to be re-opened and a PCCD, LOE, copy of RTC with new XXX day rescission period and proof of delivery is required. This loan failed the TILA right of rescission test losed-end [[(##XXX## transferred from ##XXX## Open-end [[(##XXX## transferred from XXX CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by ##XXX## or delivery of all material disclosures, whichever occurs last. | Funds not disbursed until XX/XX/XXXX. See attached. | 12/05/2025 | Lender provided final settlement Statement reflecting disbursement date of XX/XX/XXXX, verifying Borrower was given a full XXX days right of rescission. Condition cleared.; Lender provided final settlement Statement reflecting disbursement date of XX/XX/XXXX, verifying Borrower was given a full XXX days right of rescission. Condition cleared.; Lender provided final settlement Statement reflecting disbursement date of XX/XX/XXXX, verifying Borrower was given a full XXX days right of rescission. Condition cleared.; Lender provided final settlement Statement reflecting disbursement date of XX/XX/XXXX, verifying Borrower was given a full XXX days right of rescission. Condition cleared. | 12/10/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J293 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J226 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | AUS Not Provided | Missing AUS The file is missing the complete AUS/LP. Additional conditions may apply. | LP | 12/03/2025 | Lender provided AUS results. Condition cleared.; AUS is not missing | 12/05/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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. D A |
| OBX2026J257 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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. D A |
| OBX2026J301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | econsent | 11/25/2025 | Evidence of eConsent is provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J301 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Lender to provide proof of XXX for the following properties: XXX XXX so that we can properly calculate the final net income/loss. Additional conditions may apply. | REO docs | 11/25/2025 | Lender provided XXX for REO properties. Condition cleared. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J265 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX years on job. A |
| OBX2026J260 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum XXX days prior to consummation. | Proof of Appraisal Delivery | 11/21/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J222 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation or evidence they waived the timing requirements. The Right to Receive Copy of Appraisal disclosure does not specify which option the borrower chose. | APPRAISAL | 11/24/2025 | Lender provided Borrower's appraisal waiver. Borrower's receipt of appraisal the same day of closing is within tolerance. Condition cleared.; Evidence of appraisal delivery provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. A |
| OBX2026J107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. A |
| OBX2026J242 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J296 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing terms and payment history for the the new XXX taken on the previous prior residence located at XXX XXX in the the amount of XXX and a payment of $XXX. Additional conditions may apply. | XXX CD attached | 11/25/2025 | Borrower 1 Credit Report is not partially present. Lender provided CD verifying payment of $XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. Lender provided CD verifying payment of $XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. Lender provided CD verifying payment of $XXX. Condition cleared. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | SCIF Document Missing | This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an application date after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. The signed SCIF form is missing for the borrower and co borrower. | SCIF Forms attached | 11/25/2025 | Lender provided SCIF. Condition cleared.; This Supplemental Consumer Information Form is Present.; This loan is an Risk Assesment is: (DU) with an application date of: (XX/XX/XXXX) which is after XXX XXX or this is an FHA loan with an application date after XXX XXX and therefore a SCIF is required. However, the Supplemental Consumer Information Form is NOT Present. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/21/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Provide the affiliated business disclosure dated and proof sent within XXX business days of application XX/XX/XXXX or evidence XXX XXX has no affiliates. | LOE attached | 11/25/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 XX/XX/XXXX years on job. D A |
| OBX2026J018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J221 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (##XXX##. Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum XXX days prior to consummation. | ECOA | 11/21/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA for the property at XXX. Letter in file talks about HOA but doesn't give a stmt to prove monthly amount. Additional conditions apply. | XXX association | 11/21/2025 | Lender provided verification of HOA fees for property XXX. Condition cleared. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J217 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Curative | 11/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | Third Party Fraud Report not Provided | Missing Third Party Fraud Report Missing required Fraud report. | F Report | 11/24/2025 | Lender provided fraud report. Condition cleared.; Third Party Fraud Report is provided | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J216 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. | Third Party Valuation | 12/03/2025 | CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation product provided within tolerance.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing CDA. | 12/05/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J279 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | XXX is Greater than the Guideline Minimum - 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% \| 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% A |
| OBX2026J288 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J225 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J230 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please advise on status of review | 12/02/2025 | HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | XXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing File is missing the business license for the borrower's schedule C business. Compass/Realtor. Additional conditions may apply. | Please see VVOE | 11/26/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Additional documentation received; exception resolved. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Please see Title report | 11/26/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Additional documentation received; exception resolved.; Material | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | 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. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | 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% \| Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Checking on status of review | 12/05/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| OBX2026J228 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Resolved | XXX | Credit | Flood Insurance Policy Missing | Missing Flood Insurance Policy | Flood Declarations | 12/05/2025 | Lender provided flood insurance. Condition cleared.; Flood Insurance Policy is fully present | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| OBX2026J291 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | XXX | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation Required- Affiliated Business Disclosure | affiliated business | 12/02/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXX | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required- Missing eSigned documents consent. Intent to Proceed and other initial disclosures were electronically signed on XX/XX/XXXX. | initial consent | 12/02/2025 | Lender provided Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided. | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd Party VOE Prior to Close Missing Missing VVOE within XXX days of closing for B2. The document in file for verification is from XX/XX/XXXX | B2 vvoe | 12/02/2025 | Additional documentation received; exception resolved. | 12/03/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| OBX2026J105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | 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% \| XXX is Greater than the Guideline Minimum - XXX 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 XX/XX/XXXX years on job. Borrower has XX/XX/XXXX 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% \| 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 |
| OBX2026J236 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXX | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne 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 ##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). 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 zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal fee from LE XX/XX/XXXX to LE XX/XX/XXXX. The COC doesn't give a valid reason for the change. The defect can be cured by providing a valid reason. | Please see attached | 12/08/2025 | 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.; 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. | 12/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2026J236 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| OBX2026J177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/09/2025 | Acknowledged | XXX | Property | Appraisal Expired | Appraisal in file is for the Borrower's purchase of the property in XX/XX/XXXX. The Lender did not order a new appraisal for the subject transaction, but provided a recert of value to confirm value stayed the same. XXX GLs do not indicated if this is permitted. |  |  | XXX authorized downgrade to B. | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - 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% \| 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 |
| OBX2026J295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | SUPPLEMENT | 12/08/2025 | 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; Material | 12/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. It appears the following open/active mortgages or HELOCs on the credit report are not disclosed on the loan application. In order to ensure the minimum reserve requirement for other financed properties (not belonging to the principal residence or the subject property) is accurately calculated, all open/active mortgages must be entered on the loan application. If any of the following mortgages have not been provided on the loan application, they must be provided and the loan casefile resubmitted to DU. XXX Bank, balance XX/XX/XXXX credit limit $XXX. Additional conditions may apply. | Used XXX% which is the current prime rate | 12/05/2025 | Lender provided HELOC calculator for the HELOC advance of XXX reflecting monthly payment of XXX updated 1003, XXX and AUS that includes the HELOC payment and updated approved DTI of XXX%. The audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J295 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J277 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/08/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| OBX2026J297 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level 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. | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX 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 ##XXX## \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J250 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/08/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XXX years on job. A |
| OBX2026J185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/08/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | XXX | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is less than the total amount of the subject lien of $XXX. Please provide the title update/supplement showing sufficient coverage. Additional conditions may apply. | Title Policy | 12/04/2025 | 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 | 12/05/2025 | Borrower has stable job time - Borrower has XX/XX/XXXX years on job. \| XXX is Greater than the Guideline Minimum - 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% A |
| OBX2026J186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/08/2025 | XXX is Greater than the Guideline Minimum - 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% \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J246 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/08/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XX/XX/XXXX years on job. A |
| OBX2026J080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 01/12/2022 | Resolved | XXX | Credit | Fraud Report is Only Partially Available | Partial fraud report provided. ; Audit reviewed lender's response and has determined pages XX/XX/XXXX are missing from the fraud report. Unable to determine all parties to the transaction were included in the report including the XXX searches. Condition retained.; XXX confirmed with Lida at XXX that a complete full fraud report is required along with any supporting documents based on fraud report findings. Additional conditions may apply.; XXX confirmed with Lida at XXX that a complete full fraud report is required along with any supporting documents based on fraud report findings. Additional conditions may apply.; Lender provided full fraud report. Condition cleared.; Missing pages XXX - XXX |  |  | Complete fraud report provided. | 2/11/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2026J080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 01/12/2022 | Resolved | XXX | Credit | HMDA Data Tape Not Provided |  |  |  | HMDA data tape provided. | 1/13/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2026J080 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 01/12/2022 | Resolved | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Tool Required - Condition for informational purposes. Due Diligence Firm will order.; CCA provided within XXX% tolerance. Condition cleared. |  |  | Third Party Valuation Product Provided | 1/18/2022 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years; Liquid Reserves (Months) are Greater than the Guideline Minimum - Liquid Reserves of XXX are greater than the Guideline Minimum of XXX. D A |
| OBX2026J059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/04/2023 | Resolved | XXX | Compliance | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference Right to Choose Attorney disclosure was not provided | O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided; O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided | Change status of 'O.C.G.A. § 7-6a-2(12)(G)(ii) - Attorney Preference, Right to Choose Attorney disclosure was not provided' from Active to Acknowledged by Client.; Non-material disclosure - Condition downgraded to B. | 10/20/2023 | Attorney Preference, Right to Choose Attorney disclosure was provided; Audit has re-reviewed and determined that the disclosure in question is not required. This form is only required in XXX if there is an attorney fee charged AND that attorney fee is being excluded from high cost testing. This is not the case for this loan, condition has been cleared. For clarity, the disclosure was not provided as it was not required, condition has now been cleared and graded an A. | 11/9/2023 | D A B |
| OBX2026J059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/05/2023 | Resolved | XXX | Credit | AUS is Partial | Lender to rerun DU findings and breakout income between self XXX and W2 income so that DU will approve with proper documentation Stated. Income was entered as a lump sum instead of some self employment and some W2 income. ; Audit reviewed Lender's response and has determined the self-employment income was not reflected properly on the AUS. The AUS does not reflect the self-employment requirements. It appears all income was input as W2 employment income. Please provide updated AUS reflecting the self-employment income requirements. Condition retained. |  |  | Lender provided updated AUS reflecting self-employment income requirements. Condition cleared. | 10/12/2023 | D A B |
| OBX2026J059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/04/2023 | Resolved | XXX | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  | The affiliate business disclosure is XXX, lender has no affiliates, condition cleared. | 10/6/2023 | D A B |
| OBX2026J059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/17/2023 | Resolved | XXX | Credit | HMDA Discrepancy(s) Noted | HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI Missing vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI).; Lender provided ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. ULI number provided. | 10/19/2023 | D A C B |
| OBX2026J059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/05/2023 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | HMDA Tape Provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply.; HMDA Complete - other finding added. |  |  | HMDA data tape provided. | 10/17/2023 | D A B |
| OBX2026J059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/05/2023 | Resolved | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% DD to order. ; CCA received - within tolerance - cleared |  |  | Third Party Valuation Product Provided | 10/10/2023 | D A B |
| OBX2026J060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/17/2023 | Resolved | XXX | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XXX% D to order.; CCA received - within tolerance - cleared |  |  | Third Party Valuation Product Provided | 10/20/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years D A |
| OBX2026J060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/17/2023 | Resolved | XXX | Credit | HMDA Data Tape Not Provided | HMDA Tape Provided. Loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. ; HMDA Complete - Other finding added. |  |  | HMDA data tape provided. | 10/24/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years D A |
| OBX2026J060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/24/2023 | Resolved | XXX | Credit | HMDA Discrepancy(s) Noted | HMDA Discrepancy Noted: The following HMDA Discrepancy(s) have been noted: Audit ULI Missing vs Lender ULI Missing. Please provide Universal Loan Identifier (ULI).; Lender provided valid ULI. Condition cleared. |  |  | The exception 'HMDA Discrepancy(s) Noted' is cleared. | 10/25/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years D A C |
| OBX2026J060 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Closed | 10/17/2023 | Resolved | XXX | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX is not sufficent. The subject loan amount is XXX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided.; Lender provided XXX Checklist of coverage. Condition cleared. |  |  | Hazard insurance coverage is sufficient. | 10/20/2023 | Borrower has more than XXX years at current residence - Borrower at current residence XX/XX/XXXX years D A C |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| OBX2026J232 |  |  | $XXXXXX C A |
| OBX2026J081 |  |  | $XXXXXX C B A |
| OBX2026J026 |  |  | $XXXXXX D A |
| OBX2026J302 |  |  | $XXXXXX D A |
| OBX2026J062 |  |  | $XXXXXX C A |
| OBX2026J065 |  |  | $XXXXXX C A |
| OBX2026J001 |  |  | $XXXXXX C A |
| OBX2026J052 |  |  | $XXXXXX C A |
| OBX2026J064 |  |  | $XXXXXX C A |
| OBX2026J063 |  |  | $XXXXXX C A |
| OBX2026J053 |  |  | $XXXXXX C A |
| OBX2026J240 |  |  | $XXXXXX D A C |
| OBX2026J267 |  |  | $XXXXXX C A |
| OBX2026J103 |  |  | $XXXXXX D B C A |
| OBX2026J067 |  |  | $XXXXXX C A |
| OBX2026J082 |  |  | $XXXXXX C A |
| OBX2026J233 |  |  | $XXXXXX C A |
| OBX2026J198 |  |  | $XXXXXX C A |
| OBX2026J247 |  |  | $XXXXXX C A |
| OBX2026J019 |  |  | $XXXXXX C B A |
| OBX2026J224 |  |  | $XXXXXX C A |
| OBX2026J179 |  |  | $XXXXXX C A |
| OBX2026J251 |  |  | $XXXXXX C A |
| OBX2026J261 |  |  | $XXXXXX C B A |
| OBX2026J066 |  |  | $XXXXXX C A |
| OBX2026J202 |  |  | $XXXXXX C A |
| OBX2026J009 |  |  | $XXXXXX C B A |
| OBX2026J214 |  |  | $XXXXXX C A |
| OBX2026J180 |  |  | $XXXXXX D A |
| OBX2026J024 |  |  | $XXXXXX C A |
| OBX2026J178 |  |  | $XXXXXX C A |
| OBX2026J201 |  |  | $XXXXXX C A |
| OBX2026J073 |  |  | $XXXXXX C A |
| OBX2026J085 |  |  | $XXXXXX C A |
| OBX2026J072 |  |  | $XXXXXX C A |
| OBX2026J004 |  |  | $XXXXXX D C A |
| OBX2026J244 |  |  | $XXXXXX C A |
| OBX2026J027 |  |  | $XXXXXX C A |
| OBX2026J042 |  |  | $XXXXXX C A |
| OBX2026J087 |  |  | $XXXXXX D B A |
| OBX2026J031 |  |  | $XXXXXX D A |
| OBX2026J030 |  |  | $XXXXXX C A |
| OBX2026J002 |  |  | $XXXXXX C A |
| OBX2026J303 |  |  | $XXXXXX C A |
| OBX2026J040 |  |  | $XXXXXX C A |
| OBX2026J021 |  |  | $XXXXXX C A |
| OBX2026J268 |  |  | $XXXXXX C A |
| OBX2026J241 |  |  | $XXXXXX C A |
| OBX2026J273 |  |  | $XXXXXX D C A |
| OBX2026J205 |  |  | $XXXXXX C A |
| OBX2026J003 |  |  | $XXXXXX C A |
| OBX2026J093 |  |  | $XXXXXX D A |
| OBX2026J077 |  |  | $XXXXXX C A |
| OBX2026J070 |  |  | $XXXXXX C A |
| OBX2026J300 |  |  | $XXXXXX D A |
| OBX2026J086 |  |  | $XXXXXX C A |
| OBX2026J034 |  |  | $XXXXXX C A |
| OBX2026J264 |  |  | $XXXXXX C A |
| OBX2026J193 |  |  | $XXXXXX D A |
| OBX2026J083 |  |  | $XXXXXX D A B |
| OBX2026J237 |  |  | $XXXXXX C A |
| OBX2026J248 |  |  | $XXXXXX C A |
| OBX2026J037 |  |  | $XXXXXX C A |
| OBX2026J274 |  |  | $XXXXXX C A |
| OBX2026J262 |  |  | $XXXXXX C A |
| OBX2026J259 |  |  | $XXXXXX C A B |
| OBX2026J188 |  |  | $XXXXXX D A |
| OBX2026J084 |  |  | $XXXXXX C A |
| OBX2026J012 |  |  | $XXXXXX D A B |
| OBX2026J068 |  |  | $XXXXXX C A |
| OBX2026J187 |  |  | $XXXXXX D B A |
| OBX2026J207 |  |  | $XXXXXX C A |
| OBX2026J252 |  |  | $XXXXXX C B A |
| OBX2026J046 |  |  | $XXXXXX C A |
| OBX2026J074 |  |  | $XXXXXX C A |
| OBX2026J281 |  |  | $XXXXXX C A |
| OBX2026J094 |  |  | $XXXXXX D A |
| OBX2026J271 |  |  | $XXXXXX C A |
| OBX2026J256 |  |  | $XXXXXX C A |
| OBX2026J235 |  |  | $XXXXXX C A |
| OBX2026J258 |  |  | $XXXXXX C A |
| OBX2026J278 |  |  | $XXXXXX C A |
| OBX2026J007 |  |  | $XXXXXX C B A |
| OBX2026J075 |  |  | $XXXXXX C A |
| OBX2026J008 |  |  | $XXXXXX D B A |
| OBX2026J050 |  |  | $XXXXXX C A |
| OBX2026J191 |  |  | $XXXXXX D A |
| OBX2026J197 |  |  | $XXXXXX C A |
| OBX2026J025 |  |  | $XXXXXX C A |
| OBX2026J057 |  |  | $XXXXXX C A |
| OBX2026J011 |  |  | $XXXXXX D A |
| OBX2026J182 |  |  | $XXXXXX C A |
| OBX2026J106 |  |  | $XXXXXX D A |
| OBX2026J195 |  |  | $XXXXXX C A |
| OBX2026J089 |  |  | $XXXXXX C A |
| OBX2026J286 |  |  | $XXXXXX C A |
| OBX2026J020 |  |  | $XXXXXX C A |
| OBX2026J045 |  |  | $XXXXXX C A |
| OBX2026J035 |  |  | $XXXXXX C B A |
| OBX2026J090 |  |  | $XXXXXX C A |
| OBX2026J058 |  |  | $XXXXXX D B A |
| OBX2026J039 |  |  | $XXXXXX C A |
| OBX2026J199 |  |  | $XXXXXX C A |
| OBX2026J038 |  |  | $XXXXXX C A |
| OBX2026J088 |  |  | $XXXXXX D A |
| OBX2026J013 |  |  | $XXXXXX C B A |
| OBX2026J054 |  |  | $XXXXXX C A |
| OBX2026J220 |  |  | $XXXXXX C A |
| OBX2026J104 |  |  | $XXXXXX C A |
| OBX2026J284 |  |  | $XXXXXX C A |
| OBX2026J069 |  |  | $XXXXXX C A |
| OBX2026J255 |  |  | $XXXXXX C A B |
| OBX2026J044 |  |  | $XXXXXX D A |
| OBX2026J033 |  |  | $XXXXXX D A |
| OBX2026J095 |  |  | $XXXXXX C A |
| OBX2026J282 |  |  | $XXXXXX C B A |
| OBX2026J215 |  |  | $XXXXXX C A |
| OBX2026J092 |  |  | $XXXXXX C B A |
| OBX2026J091 |  |  | $XXXXXX C A |
| OBX2026J014 |  |  | $XXXXXX C A |
| OBX2026J275 |  |  | $XXXXXX C A |
| OBX2026J280 |  |  | $XXXXXX C A |
| OBX2026J206 |  |  | $XXXXXX D A |
| OBX2026J299 |  |  | $XXXXXX C A |
| OBX2026J071 |  |  | $XXXXXX D A |
| OBX2026J266 |  |  | $XXXXXX C A B |
| OBX2026J196 |  |  | $XXXXXX C A |
| OBX2026J285 |  |  | $XXXXXX C A |
| OBX2026J043 |  |  | $XXXXXX C A |
| OBX2026J218 |  |  | $XXXXXX C A |
| OBX2026J100 |  |  | $XXXXXX C B A |
| OBX2026J290 |  |  | $XXXXXX C A |
| OBX2026J227 |  |  | $XXXXXX C A |
| OBX2026J049 |  |  | $XXXXXX C A |
| OBX2026J253 |  |  | $XXXXXX C A |
| OBX2026J192 |  |  | $XXXXXX C A |
| OBX2026J272 |  |  | $XXXXXX C A |
| OBX2026J017 |  |  | $XXXXXX C A |
| OBX2026J078 |  |  | $XXXXXX C A |
| OBX2026J076 |  |  | $XXXXXX C A |
| OBX2026J249 |  |  | $XXXXXX D A |
| OBX2026J190 |  |  | $XXXXXX C B A |
| OBX2026J010 |  |  | $XXXXXX C A |
| OBX2026J270 |  |  | $XXXXXX C A B |
| OBX2026J022 |  |  | $XXXXXX C A |
| OBX2026J181 |  |  | $XXXXXX C A |
| OBX2026J200 |  |  | $XXXXXX C A |
| OBX2026J283 |  |  | $XXXXXX C A |
| OBX2026J041 |  |  | $XXXXXX C A |
| OBX2026J029 |  |  | $XXXXXX C A |
| OBX2026J101 |  |  | $XXXXXX C A |
| OBX2026J219 |  |  | $XXXXXX C A B |
| OBX2026J234 |  |  | $XXXXXX C A |
| OBX2026J243 |  |  | $XXXXXX C B A |
| OBX2026J223 |  |  | $XXXXXX C A |
| OBX2026J204 |  |  | $XXXXXX D B A |
| OBX2026J269 |  |  | $XXXXXX C A |
| OBX2026J239 |  |  | $XXXXXX C A |
| OBX2026J208 |  |  | $XXXXXX C A |
| OBX2026J276 |  |  | $XXXXXX C A |
| OBX2026J102 |  |  | $XXXXXX C A |
| OBX2026J238 |  |  | $XXXXXX C A |
| OBX2026J023 |  |  | $XXXXXX C A |
| OBX2026J229 |  |  | $XXXXXX D A |
| OBX2026J292 |  |  | $XXXXXX C A |
| OBX2026J098 |  |  | $XXXXXX C B A |
| OBX2026J047 |  |  | $XXXXXX C A |
| OBX2026J211 |  |  | $XXXXXX C B A |
| OBX2026J032 |  |  | $XXXXXX C A |
| OBX2026J048 |  |  | $XXXXXX C A |
| OBX2026J289 |  |  | $XXXXXX C A |
| OBX2026J287 |  |  | $XXXXXX C B A |
| OBX2026J254 |  |  | $XXXXXX C A |
| OBX2026J055 |  |  | $XXXXXX C A |
| OBX2026J245 |  |  | $XXXXXX D B A |
| OBX2026J263 |  |  | $XXXXXX C A |
| OBX2026J051 |  |  | $XXXXXX C A |
| OBX2026J099 |  |  | $XXXXXX C A |
| OBX2026J210 |  |  | $XXXXXX C A |
| OBX2026J294 |  |  | $XXXXXX C A |
| OBX2026J231 |  |  | $XXXXXX C A |
| OBX2026J189 |  |  | $XXXXXX C B A |
| OBX2026J036 |  |  | $XXXXXX C A |
| OBX2026J015 |  |  | $XXXXXX C B A |
| OBX2026J293 |  |  | $XXXXXX C A |
| OBX2026J226 |  |  | $XXXXXX C A |
| OBX2026J257 |  |  | $XXXXXX D A |
| OBX2026J301 |  |  | $XXXXXX D B A |
| OBX2026J265 |  |  | $XXXXXX C A |
| OBX2026J260 |  |  | $XXXXXX C A |
| OBX2026J222 |  |  | $XXXXXX C B A |
| OBX2026J107 |  |  | $XXXXXX C B A |
| OBX2026J242 |  |  | $XXXXXX C A |
| OBX2026J296 |  |  | $XXXXXX C A |
| OBX2026J096 |  |  | $XXXXXX D B A |
| OBX2026J018 |  |  | $XXXXXX C A |
| OBX2026J221 |  |  | $XXXXXX C A |
| OBX2026J217 |  |  | $XXXXXX D B A |
| OBX2026J028 |  |  | $XXXXXX C A |
| OBX2026J216 |  |  | $XXXXXX D A |
| OBX2026J279 |  |  | $XXXXXX C A |
| OBX2026J288 |  |  | $XXXXXX C A |
| OBX2026J225 |  |  | $XXXXXX C A |
| OBX2026J230 |  |  | $XXXXXX C A |
| OBX2026J184 |  |  | $XXXXXX D A |
| OBX2026J194 |  |  | $XXXXXX C A |
| OBX2026J183 |  |  | $XXXXXX C A |
| OBX2026J228 |  |  | $XXXXXX D A |
| OBX2026J291 |  |  | $XXXXXX C A |
| OBX2026J203 |  |  | $XXXXXX D B A |
| OBX2026J105 |  |  | $XXXXXX C A |
| OBX2026J236 |  |  | $XXXXXX C A |
| OBX2026J177 |  |  | $XXXXXX C A B |
| OBX2026J295 |  |  | $XXXXXX C A |
| OBX2026J277 |  |  | $XXXXXX C A |
| OBX2026J297 |  |  | $XXXXXX C A |
| OBX2026J250 |  |  | $XXXXXX C A |
| OBX2026J185 |  |  | $XXXXXX C A |
| OBX2026J186 |  |  | $XXXXXX C A |
| OBX2026J246 |  |  | $XXXXXX C A |
| OBX2026J059 |  | XXXXX | $XXXXXX D B A |
| OBX2026J060 |  | XXXXX | $XXXXXX D A |
| OBX2026J080 |  | XXXXX | $XXXXXX D A |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| OBX2026J232 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2026J081 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J026 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2026J302 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| OBX2026J062 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2026J065 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.69 | 64.69 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2026J001 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.5 | 77.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J052 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.75 | 69.75 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J064 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.21 | 68.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2026J063 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2026J053 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J240 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.73 | 53.73 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J267 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2026J103 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J067 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.43 | 74.43 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| OBX2026J082 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2026J233 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| OBX2026J198 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| OBX2026J247 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 73.82 | 73.82 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| OBX2026J019 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2026J224 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J179 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2026J251 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2026J261 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.3 | 72.3 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| OBX2026J066 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2026J202 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.27 | 62.27 |  |  |  |  | $XXX | $XXX | -.0909 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0909 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J009 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2026J214 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.72 | 72.72 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2026J180 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2026J024 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0302 | AVM |  |  |  |  |  | $XXX | $XXX | .0302 | 88.0 | 0.12 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J178 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2026J201 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2026J073 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 24.82 | 24.82 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2026J085 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.95 | 76.95 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J072 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J004 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.0179 | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0179 | 98.0 | 0.02 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J244 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J027 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 74.48 | 74.48 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2026J042 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2026J087 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.14 | 62.14 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J031 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.89 | 35.89 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| OBX2026J030 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| OBX2026J002 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2026J303 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J040 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.27 | 78.27 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J021 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.93 | 62.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2026J268 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.66 | 64.66 |  |  |  |  | $XXX | $XXX | -.0714 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0714 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2026J241 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.9 | 74.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J273 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.52 | 78.52 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2026J205 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2026J003 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.41 | 73.41 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2026J093 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0053 | 90.0 | 0.1 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2026J077 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| OBX2026J070 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.51 | 78.51 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2026J300 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.53 | 59.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| OBX2026J086 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.58 | 63.58 | $XXX | $XXX | .0141 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0141 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J034 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.0 | 67.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| OBX2026J264 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J193 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.0 | 58.0 | $XXX | $XXX | -.0400 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0400 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| OBX2026J083 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.23 | 63.23 | $XXX | $XXX | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0580 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J237 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.65 | 56.65 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J248 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.93 | 75.93 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J037 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.33 | 77.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2026J274 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.55 | 42.55 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| OBX2026J262 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.97 | 79.97 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2026J259 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.36 | 71.36 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J188 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J084 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J012 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.98 | 74.98 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2026J068 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.66 | 53.66 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| OBX2026J187 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | -.0198 | Desk Review | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0198 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2026J207 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.19 | 59.19 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2026J252 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J046 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.7 | 69.7 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2026J074 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.34 | 59.34 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J281 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2026J094 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.8 | 67.8 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| OBX2026J271 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| OBX2026J256 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2026J235 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| OBX2026J258 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.92 | 58.92 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J278 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.68 | 69.68 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J007 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.5 | 62.5 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2026J075 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.46 | 74.46 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2026J008 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| OBX2026J050 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.86 | 70.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| OBX2026J191 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.71 | 75.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2026J197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.13 | 64.13 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2026J025 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| OBX2026J057 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.63 | 79.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| OBX2026J011 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.54 | 65.54 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| OBX2026J182 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.95 | 78.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J106 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.85 | 62.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J195 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.17 | 75.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| OBX2026J089 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.44 | 68.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J286 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.09 | 74.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2026J020 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| OBX2026J045 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.67 | 74.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2026J035 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2026J090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.29 | 64.29 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J058 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.03 | 62.03 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| OBX2026J039 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.26 | 77.26 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J199 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.66 | 72.66 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2026J038 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| OBX2026J088 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.76 | 73.76 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J013 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J054 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J220 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| OBX2026J104 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2026J284 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.44 | 72.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J069 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J255 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| OBX2026J044 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.41 | 72.41 | $XXX | $XXX | -.0270 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0270 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J033 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.6 | 69.6 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J095 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.78 | 70.78 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2026J282 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J215 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.79 | 42.79 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2026J092 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2026J091 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0597 | AVM |  |  |  |  |  | $XXX | $XXX | .0597 | 90.0 | 0.1 |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J014 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.2 | 69.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| OBX2026J275 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.59 | 71.59 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2026J280 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 45.1 | 45.1 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| OBX2026J206 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.24 | 61.24 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.4 |  |
| OBX2026J299 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.78 | 63.78 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J071 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J266 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.54 | 53.54 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2026J196 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J285 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.09 | 74.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2026J043 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 78.64 | 78.64 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2026J218 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J100 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| OBX2026J290 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| OBX2026J227 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J049 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.57 | 64.57 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| OBX2026J253 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2026J192 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.81 | 73.81 | $XXX | $XXX | -.0159 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0159 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2026J272 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2026J017 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.33 | 73.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| OBX2026J078 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| OBX2026J076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2026J249 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| OBX2026J190 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J010 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 76.76 | 76.76 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2026J270 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.15 | 79.15 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J022 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| OBX2026J181 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.02 | 70.02 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| OBX2026J200 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.48 | 48.48 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J283 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.15 | 69.15 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J041 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| OBX2026J029 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2026J101 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2026J219 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.16 | 74.16 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2026J234 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| OBX2026J243 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 59.15 | 59.15 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| OBX2026J223 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.08 | 63.08 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| OBX2026J204 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2026J269 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.57 | 59.57 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2026J239 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| OBX2026J208 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 31.75 | 31.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| OBX2026J276 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J102 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.12 | 73.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| OBX2026J238 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J023 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2026J229 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| OBX2026J292 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.89 | 78.89 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J098 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2026J047 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| OBX2026J211 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.91 | 48.91 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX | $XXX | 4.34% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J032 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.78 | 72.78 | $XXX | $XXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0833 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| OBX2026J048 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 71.48 | 71.48 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| OBX2026J289 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.29 | 69.29 |  |  |  |  | $XXX | $XXX | -.0032 | Desk Review | $XXX | $XXX | .0289 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0032 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| OBX2026J287 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | -.0322 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0322 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J254 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.43 | 67.43 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2026J055 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.38 | 74.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| OBX2026J245 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J263 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.93 | 65.93 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2026J051 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.4 | 70.4 |  |  |  |  | $XXX | $XXX | -.0775 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0775 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| OBX2026J099 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2026J210 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.65 | 57.65 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J294 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J231 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.0 | 51.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J189 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| OBX2026J036 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J015 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2026J293 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.63 | 77.63 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| OBX2026J226 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| OBX2026J257 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.76 | 53.76 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| OBX2026J301 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.82 | 79.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| OBX2026J265 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.85 | 72.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| OBX2026J260 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0211 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| OBX2026J222 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| OBX2026J107 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 48.79 | 48.79 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J242 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J296 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| OBX2026J096 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.28 | 56.28 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| OBX2026J018 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.45 | 50.45 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| OBX2026J221 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.76 | 76.76 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| OBX2026J217 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J028 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.61 | 62.61 | $XXX | $XXX | .0257 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0257 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 999 |  |
| OBX2026J216 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J279 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.33 | 69.33 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| OBX2026J288 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.4 | 74.4 |  |  |  |  | $XXX | $XXX | -.0584 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0584 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2026J225 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J230 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J184 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J194 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.19 | 78.19 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| OBX2026J183 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| OBX2026J228 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| OBX2026J291 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| OBX2026J203 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2026J105 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.81 | 59.81 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| OBX2026J236 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| OBX2026J177 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.07 | 64.07 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| OBX2026J295 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.65 | 68.65 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| OBX2026J277 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| OBX2026J297 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.66 | 66.66 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| OBX2026J250 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| OBX2026J185 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| OBX2026J186 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| OBX2026J246 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| OBX2026J080 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 75 | 75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OBX2026J059 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 61.11 | 61.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| OBX2026J060 |  | XXXXX | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | $XXX | 73.93 | 73.93 | $XXX | $XXX | -0.0574 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -0.0574 | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| OBX2026J232 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J081 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J026 | 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 |
| OBX2026J302 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J062 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J065 | 2 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J001 | 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 |
| OBX2026J052 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J064 | 1 | Yes | DU | No | No |  | 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 |
| OBX2026J063 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J053 | 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 |
| OBX2026J240 | 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 |
| OBX2026J267 | 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 |
| OBX2026J103 | 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 |
| OBX2026J067 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J082 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J233 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J198 | 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) | 3.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J247 | 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) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J019 | 2 | Yes | DU | No | No | 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 |
| OBX2026J224 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J179 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J251 | 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 |
| OBX2026J261 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.4 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J066 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J202 | 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 | Personal | No |
| OBX2026J009 | 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 |
| OBX2026J214 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J180 | 1 | Yes | LPA | No | No |  | 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 |
| OBX2026J024 | 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) |  | 88 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J178 | 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 |
| OBX2026J201 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J073 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J085 | 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 |
| OBX2026J072 | 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 | Personal | No |
| OBX2026J004 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 | 98 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J244 | 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 |
| OBX2026J027 | 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 |
| OBX2026J042 | 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 |
| OBX2026J087 | 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 |
| OBX2026J031 | 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 |
| OBX2026J030 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J002 | 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 |
| OBX2026J303 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Employed |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J040 | 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 |
| OBX2026J021 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J268 | 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 |
| OBX2026J241 | 1 | Yes | DU | 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 |
| OBX2026J273 | 2 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No | No | Yes | 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 |
| OBX2026J205 | 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 |
| OBX2026J003 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J093 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 | 90 | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J077 | 1 | Yes | DU | No | 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 |
| OBX2026J070 | 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 |
| OBX2026J300 | 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) | 3.7 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2026J086 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J034 | 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) | 3.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J264 | 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 |
| OBX2026J193 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.5 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2026J083 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J237 | 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 |
| OBX2026J248 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J037 | 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 |
| OBX2026J274 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J262 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J259 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J188 | 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 |
| OBX2026J084 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J012 | 2 | Yes | DU | Yes | No |  | No | Yes | No | No | No | Yes | 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 |
| OBX2026J068 | 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) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J187 | 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) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J207 | 1 | Yes | DU | No | No |  | No | Yes | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J252 | 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 |
| OBX2026J046 | 2 | Yes | LPA | Yes | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J074 | 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 |
| OBX2026J281 | 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 |
| OBX2026J094 | 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) | 4.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J271 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J256 | 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) | 1.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J235 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J258 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J278 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J007 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J075 | 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 |
| OBX2026J008 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J050 | 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) | 3.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J191 | 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 |
| OBX2026J197 | 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 |
| OBX2026J025 | 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) | 3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J057 | 2 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J011 | 1 | Yes | DU | 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 |
| OBX2026J182 | 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 |
| OBX2026J106 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J195 | 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) | 4.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J089 | 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 |
| OBX2026J286 | 2 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Retired |  |  | Yes | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J020 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J045 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J035 | 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) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J090 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Retired | Retired |  |  | Yes | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J058 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J039 | 2 | Yes | LPA | No | No |  | No | Yes | 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 |
| OBX2026J199 | 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 |
| OBX2026J038 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J088 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J013 | 1 | Yes | DU | Yes | 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 |
| OBX2026J054 | 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 |
| OBX2026J220 | 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 |
| OBX2026J104 | 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 |
| OBX2026J284 | 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 |
| OBX2026J069 | 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 |
| OBX2026J255 | 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 |
| OBX2026J044 | 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 |
| OBX2026J033 | 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 |
| OBX2026J095 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J282 | 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 |
| OBX2026J215 | 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) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J092 | 1 | Yes | DU | No | No |  | 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 |
| OBX2026J091 | 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) |  |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J014 | 1 | Yes | DU | No | Yes | XXX | 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 | Personal | No |
| OBX2026J275 | 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) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J280 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J206 | 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) | 4.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J299 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J071 | 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 |
| OBX2026J266 | 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) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J196 | 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 |
| OBX2026J285 | 1 | Yes | DU | No | 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 |
| OBX2026J043 | 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) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J218 | 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 |
| OBX2026J100 | 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 |
| OBX2026J290 | 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) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J227 | 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) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J049 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J253 | 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 |
| OBX2026J192 | 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) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J272 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J017 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J078 | 2 | Yes | LPA | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J076 | 1 | Yes | DU | No | 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 |
| OBX2026J249 | 1 | Yes | LPA | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J190 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J010 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J270 | 2 | Yes | LPA | Yes | No |  | No | Yes | No | No | No | Yes | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J022 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Retired |  |  |  | Yes | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J181 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J200 | 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) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J283 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J041 | 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 |
| OBX2026J029 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J101 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J219 | 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 |
| OBX2026J234 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 4.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J243 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J223 | 1 | Yes | DU | Yes | 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 |
| OBX2026J204 | 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) | 2.5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J269 | 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) | 1.9 |  | No | N/A | N/A | N/A | N/A | Personal | No |
| OBX2026J239 | 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) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J208 | 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 |
| OBX2026J276 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J102 | 1 | Yes | DU | 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 | Personal | No |
| OBX2026J238 | 1 | Yes | LPA | Yes | 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 |
| OBX2026J023 | 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) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J229 | 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 |
| OBX2026J292 | 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 |
| OBX2026J098 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J047 | 2 | Yes | DU | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J211 | 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 |
| OBX2026J032 | 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) | 2.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J048 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J289 | 1 | Yes | LPA | No | Yes | XXX | 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 |
| OBX2026J287 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J254 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J055 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J245 | 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 |
| OBX2026J263 | 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) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J051 | 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 |
| OBX2026J099 | 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 |
| OBX2026J210 | 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 |
| OBX2026J294 | 2 | Yes | DU | Yes | No |  | No | Yes | 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 |
| OBX2026J231 | 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 |
| OBX2026J189 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J036 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J015 | 1 | Yes | DU | No | Yes | XXX | 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 | Personal | No |
| OBX2026J293 | 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) | 1.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J226 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J257 | 4 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No | Employed | Employed | Retired | Retired | No | No | Yes | Yes | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J301 | 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) | 4.6 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J265 | 2 | Yes | LPA | Yes | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.8 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J260 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J222 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J107 | 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 |
| OBX2026J242 | 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 |
| OBX2026J296 | 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 |
| OBX2026J096 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.9 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J018 | 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) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J221 | 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 |
| OBX2026J217 | 2 | Yes | LPA | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 5 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J028 | 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) | 999 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J216 | 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 |
| OBX2026J279 | 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) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J288 | 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) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J225 | 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 |
| OBX2026J230 | 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 |
| OBX2026J184 | 3 | Yes | DU | Yes | No |  | Yes | No | No | No | Yes | No | No | No | Yes | No | No | No |  |  |  |  | Employed | Employed | Employed |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J194 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Not Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 3.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J183 | 2 | Yes | DU | No | Yes | XXX | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Retired |  |  | No | Yes | No | No | QM: Safe Harbor APOR (APOR SH) | 1.1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J228 | 1 | Yes | LPA | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J291 | 1 | Yes | LPA | No | Yes | XXX | No | Yes | 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 |
| OBX2026J203 | 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 |
| OBX2026J105 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 1.7 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J236 | 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) | 3.2 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J177 | 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 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J295 | 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) | 2.7 |  | Yes | N/A | N/A | N/A | N/A |  | No |
| OBX2026J277 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Employed | Employed |  |  | No | No | No | No | QM: Safe Harbor APOR (APOR SH) | 2.4 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J297 | 1 | Yes | LPA | 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 |
| OBX2026J250 | 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) | 2.3 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J185 | 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 |
| OBX2026J186 | 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 |
| OBX2026J246 | 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 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J080 | 2 | Yes | DU | No | No |  | Yes | No | No | No | Yes | No | No | No |  |  |  |  |  |  |  |  | Not Employed | Employed |  |  | No | No |  |  | QM: Safe Harbor APOR (APOR SH) |  |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J059 | 1 | Yes | DU | No | No |  | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Not Employed |  |  |  | No |  |  |  | QM: Safe Harbor APOR (APOR SH) | 1 |  | No | N/A | N/A | N/A | N/A |  | No |
| OBX2026J060 | 1 | Yes | DU | No | Yes | XXX | Yes | No | No | No |  |  |  |  |  |  |  |  |  |  |  |  | Employed |  |  |  | No |  |  |  | QM: Safe Harbor APOR (APOR SH) | 2.6 |  | No | N/A | N/A | N/A | N/A |  | No |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 6**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| OBX2026J232 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2190 | 6.648 | 33137.54 | Employed | Retired | No | No |
| OBX2026J081 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10900 | 6.691 | 29024.37 | Employed | Employed | No | No |
| OBX2026J026 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7980.8 | 6.985 | 13271.69 | Employed |  | No |  |
| OBX2026J302 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2251.6 | 6.893 | 17874.22 | Employed | Employed | No | No |
| OBX2026J062 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25520 | 7.554 | 13615.05 | Employed | Not Employed | No | No |
| OBX2026J065 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11292.46 | 6.623 | 12120.16 | Employed | Not Employed | No | No |
| OBX2026J001 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2095 | 6.539 | 33774.23 | Employed |  | No |  |
| OBX2026J052 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11100 | 6.659 | 9176.15 | Employed | Not Employed | No | No |
| OBX2026J064 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9720.62 | 6.82 | 18647.55 | Employed |  | No |  |
| OBX2026J063 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26770 | 6.795 | 12578.2 | Employed |  | No |  |
| OBX2026J053 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4830 | 6.311 | 13819.92 | Employed | Employed | No | No |
| OBX2026J240 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.036 | 22697.98 | Employed | Employed | No | No |
| OBX2026J267 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5220 | 5.926 | 29194.39 | Employed | Employed | No | No |
| OBX2026J103 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.31 | 15991.06 | Employed | Employed | No | No |
| OBX2026J067 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8099.87 | 6.192 | 22913.1 | Employed |  | No |  |
| OBX2026J082 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8812.75 | 6.698 | 31435.07 | Employed | Employed | No | No |
| OBX2026J233 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.278 | 13078.88 | Employed | Employed | No | No |
| OBX2026J198 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6116.7 | 6.208 | 14424.85 | Employed | Employed | No | No |
| OBX2026J247 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.396 | 16806.06 | Employed | Employed | No | No |
| OBX2026J019 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2270 | 6.141 | 53620.58 | Employed | Employed | No | No |
| OBX2026J224 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2590 | 6.819 | 8020.71 | Employed | Not Employed | No | No |
| OBX2026J179 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 23200 | 6.09 | 14286.26 | Employed | Not Employed | No | No |
| OBX2026J251 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6652.5 | 6.82 | 24841.11 | Employed | Employed | No | No |
| OBX2026J261 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2390 | 6.145 | 18515.81 | Employed |  | No |  |
| OBX2026J066 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10000.08 | 6.602 | 13201.6 | Employed |  | No |  |
| OBX2026J202 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1720.25 | 6.391 | 17055.57 | Employed |  | No |  |
| OBX2026J009 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10635.36 | 6.585 | 20902.91 | Employed | Employed | No | No |
| OBX2026J214 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6594.89 | 6.072 | 17421.98 | Employed | Employed | No | No |
| OBX2026J180 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9140.37 | 5.979 | 12291.67 | Employed |  | No |  |
| OBX2026J024 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2955.5 | 6.656 | 26478.85 | Employed | Employed | No | No |
| OBX2026J178 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1620 | 7.282 | 20317.65 | Employed |  | No |  |
| OBX2026J201 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3374.88 | 6.665 | 19398.91 | Employed |  | No |  |
| OBX2026J073 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15340 | 6.36 | 103727.85 | Employed | Employed | No | No |
| OBX2026J085 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2275 | 6.265 | 15227.25 | Employed |  | No |  |
| OBX2026J072 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9995.05 | 6.86 | 11050.57 | Employed | Employed | No | No |
| OBX2026J004 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13421.96 | 6.254 | 33818.89 | Employed |  | No |  |
| OBX2026J244 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1700 | 6.653 | 21729 | Employed | Employed | No | No |
| OBX2026J027 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2225 | 6.396 | 88616.78 | Employed |  | No |  |
| OBX2026J042 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5290 | 6.305 | 24579.17 | Employed | Not Employed | No | No |
| OBX2026J087 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2090 | 6.653 | 20077.99 | Employed | Employed | No | No |
| OBX2026J031 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5116.25 | 6.301 | 86961.45 | Employed | Employed | No | No |
| OBX2026J030 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1879.06 | 6.28 | 18526.41 | Not Employed | Employed | No | No |
| OBX2026J002 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 15155 | 6.434 | 20009.76 | Employed |  | No |  |
| OBX2026J303 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4422 | 6.455 | 17802.27 | Retired | Employed | No | No |
| OBX2026J040 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.019 | 10591.6 | Employed |  | No |  |
| OBX2026J021 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.521 | 25867.47 | Employed |  | No |  |
| OBX2026J268 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 90 | 6.379 | 23722.33 | Employed |  | No |  |
| OBX2026J241 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3108.75 | 6.429 | 9560.16 | Employed |  | No |  |
| OBX2026J273 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.635 | 10075.13 | Employed | Employed | No | No |
| OBX2026J205 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2105.25 | 5.773 | 22581.42 | Employed | Employed | No | No |
| OBX2026J003 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20420.78 | 5.929 | 19679.21 | Employed |  | No |  |
| OBX2026J093 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 32045.5 | 6.265 | 41237.72 | Employed | Employed | No | No |
| OBX2026J077 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18146.97 | 6.452 | 7910.18 | Employed |  | No |  |
| OBX2026J070 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 35237.66 | 6.976 | 19129.08 | Employed | Employed | No | No |
| OBX2026J300 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2094.2 | 6.387 | 93440.73 | Employed | Employed | No | No |
| OBX2026J086 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1395 | 6.008 | 29490.42 | Not Employed | Employed | No | No |
| OBX2026J034 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 5.901 | 30227.25 | Employed | Employed | No | No |
| OBX2026J264 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 6.166 | 24373.14 | Employed | Employed | No | No |
| OBX2026J193 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6563.75 | 6.301 | 18622.29 | Employed | Not Employed | No | No |
| OBX2026J083 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1625 | 6.166 | 15142.94 | Employed | Employed | No | No |
| OBX2026J237 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14845.48 | 5.941 | 10498.95 | Employed |  | No |  |
| OBX2026J248 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.274 | 19906.7 | Employed | Employed | No | No |
| OBX2026J037 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2510 | 6.396 | 41462.02 | Employed | Not Employed | No | No |
| OBX2026J274 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.398 | 22218.16 | Employed |  | No |  |
| OBX2026J262 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.39 | 20680.93 | Employed | Employed | No | No |
| OBX2026J259 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.277 | 16845.91 | Employed | Employed | No | No |
| OBX2026J188 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2075.25 | 6.271 | 30625.22 | Employed | Employed | No | No |
| OBX2026J084 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.771 | 56104.5 | Employed | Employed | No | No |
| OBX2026J012 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.147 | 16303.86 | Employed | Employed | No | No |
| OBX2026J068 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10319.97 | 6.067 | 20630.17 | Employed | Employed | No | No |
| OBX2026J187 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2360 | 6.146 | 32747.75 | Employed | Employed | No | No |
| OBX2026J207 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2030.25 | 6.517 | 18671.56 | Employed |  | No |  |
| OBX2026J252 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12490 | 6.118 | 34459.65 | Employed |  | No |  |
| OBX2026J046 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.146 | 53993.92 | Employed | Not Employed | No | No |
| OBX2026J074 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14000.78 | 6.32 | 20109.1 | Employed |  | No |  |
| OBX2026J281 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21911.88 | 5.955 | 15363.03 | Employed | Employed | No | No |
| OBX2026J094 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17773.75 | 6.88 | 33940.64 | Employed | Employed | No | No |
| OBX2026J271 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.543 | 19545.88 | Employed | Employed | No | No |
| OBX2026J256 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.533 | 10621.47 | Employed | Employed | No | No |
| OBX2026J235 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.397 | 17434.42 | Employed | Employed | No | No |
| OBX2026J258 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 5.893 | 17617.97 | Employed |  | No |  |
| OBX2026J278 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 6.129 | 15560.2 | Employed |  | No |  |
| OBX2026J007 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1515 | 6.032 | 36376.02 | Employed | Employed | No | No |
| OBX2026J075 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6255.4 | 6.564 | 19445.27 | Employed | Employed | No | No |
| OBX2026J008 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1515 | 6.388 | 15584.49 | Employed | Employed | No | No |
| OBX2026J050 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11739.33 | 5.973 | 59329.47 | Employed | Not Employed | No | No |
| OBX2026J191 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1665.25 | 6.644 | 27159.15 | Employed | Employed | No | No |
| OBX2026J197 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1360 | 6.278 | 26671.98 | Employed | Employed | No | No |
| OBX2026J025 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.026 | 24035.32 | Employed | Employed | No | No |
| OBX2026J057 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2355 | 6.648 | 18297.87 | Employed | Employed | No | No |
| OBX2026J011 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1195 | 6.389 | 20679.39 | Employed |  | No |  |
| OBX2026J182 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16245 | 6.404 | 28202.57 | Employed | Employed | No | No |
| OBX2026J106 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 17105.65 | 6.008 | 27643.53 | Employed | Employed | No | No |
| OBX2026J195 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 305.25 | 6.257 | 21402.13 | Employed | Not Employed | No | No |
| OBX2026J089 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 19260 | 6.427 | 13932.81 | Employed |  | No |  |
| OBX2026J286 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.553 | 16400.22 | Retired | Retired | No | No |
| OBX2026J020 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.281 | 27819.3 | Employed | Employed | No | No |
| OBX2026J045 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.145 | 28808.07 | Employed | Employed | No | No |
| OBX2026J035 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.429 | 20596.37 | Employed | Employed | No | No |
| OBX2026J090 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18894 | 6.399 | 23063.55 | Retired | Retired | No | No |
| OBX2026J058 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3015.75 | 6.291 | 13023.28 | Employed | Employed | No | No |
| OBX2026J039 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.403 | 9686.51 | Employed | Not Employed | No | No |
| OBX2026J199 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1520 | 6.271 | 32474.9 | Employed | Not Employed | No | No |
| OBX2026J038 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.148 | 19992.38 | Employed | Employed | No | No |
| OBX2026J088 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1875 | 6.274 | 27388.83 | Employed | Not Employed | No | No |
| OBX2026J013 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1875 | 6.309 | 15874.06 | Employed |  | No |  |
| OBX2026J054 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1945 | 6.403 | 27266.14 | Employed |  | No |  |
| OBX2026J220 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.557 | 39087.31 | Employed | Employed | No | No |
| OBX2026J104 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.391 | 24979.12 | Employed | Employed | No | No |
| OBX2026J284 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 0 | 5.894 | 20729.59 | Employed |  | No |  |
| OBX2026J069 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 20095 | 6.675 | 14108.98 | Employed | Employed | No | No |
| OBX2026J255 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1490 | 6.771 | 10649.6 | Employed |  | No |  |
| OBX2026J044 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2660 | 6.267 | 18525.35 | Employed |  | No |  |
| OBX2026J033 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.029 | 12521.57 | Employed | Employed | No | No |
| OBX2026J095 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11054 | 6.246 | 17736.66 | Employed | Retired | No | No |
| OBX2026J282 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.451 | 8875.17 | Employed |  | No |  |
| OBX2026J215 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3095 | 5.902 | 32464.4 | Employed | Not Employed | No | No |
| OBX2026J092 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9156 | 6.441 | 15214.15 | Employed |  | No |  |
| OBX2026J091 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1979.44 | 6.897 | 41348.29 | Employed | Not Employed | No | No |
| OBX2026J014 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1710 | 6.267 | 27087.32 | Employed |  | No |  |
| OBX2026J275 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6331.95 | 6.073 | 9999.53 | Employed | Employed | No | No |
| OBX2026J280 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 6.141 | 54951.78 | Employed | Not Employed | No | No |
| OBX2026J206 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1845.25 | 6.271 | 42970.79 | Employed | Not Employed | No | No |
| OBX2026J299 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 6.395 | 45398.42 | Employed | Employed | No | No |
| OBX2026J071 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6194.54 | 6.456 | 16061.28 | Employed | Employed | No | No |
| OBX2026J266 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.149 | 17697.82 | Employed | Employed | No | No |
| OBX2026J196 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4148.27 | 6.421 | 36240.81 | Employed |  | No |  |
| OBX2026J285 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.263 | 20184.02 | Employed |  | No |  |
| OBX2026J043 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5188.51 | 6.44 | 24756.39 | Employed | Employed | No | No |
| OBX2026J218 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4665.26 | 6.178 | 39138.23 | Employed | Not Employed | No | No |
| OBX2026J100 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1579 | 6.271 | 16774.04 | Employed |  | No |  |
| OBX2026J290 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8890 | 6.064 | 32044.39 | Employed | Employed | No | No |
| OBX2026J227 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4599 | 6.318 | 19688.14 | Employed | Employed | No | No |
| OBX2026J049 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.274 | 10826.93 | Not Employed | Employed | No | No |
| OBX2026J253 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.4 | 19295.91 | Employed | Employed | No | No |
| OBX2026J192 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3870 | 6.552 | 22780.37 | Employed | Employed | No | No |
| OBX2026J272 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.512 | 32591.54 | Employed | Employed | No | No |
| OBX2026J017 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1750 | 6.057 | 18416.1 | Employed | Employed | No | No |
| OBX2026J078 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 34155.01 | 7.001 | 10977.56 | Employed | Not Employed | No | No |
| OBX2026J076 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9055 | 6.978 | 16927.63 | Employed |  | No |  |
| OBX2026J249 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1750 | 6.147 | 52766.91 | Employed |  | No |  |
| OBX2026J190 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7360.27 | 6.843 | 15678.48 | Employed | Employed | No | No |
| OBX2026J010 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1887 | 6.028 | 13519.35 | Employed |  | No |  |
| OBX2026J270 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26289.18 | 5.997 | 15038.39 | Employed | Not Employed | No | No |
| OBX2026J022 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.281 | 8703.9 | Retired |  | No |  |
| OBX2026J181 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9245 | 6.057 | 50503.6 | Employed | Employed | No | No |
| OBX2026J200 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2000 | 5.904 | 37807.2 | Employed | Not Employed | No | No |
| OBX2026J283 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 16990 | 6.42 | 16178.32 | Employed | Employed | No | No |
| OBX2026J041 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.151 | 32647.75 | Employed | Employed | No | No |
| OBX2026J029 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.141 | 50521.64 | Employed | Employed | No | No |
| OBX2026J101 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.529 | 19206.31 | Employed | Retired | No | No |
| OBX2026J219 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.165 | 29151.6 | Employed | Employed | No | No |
| OBX2026J234 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 6.549 | 18663.32 | Employed | Employed | No | No |
| OBX2026J243 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 5.787 | 25548.23 | Employed | Employed | No | No |
| OBX2026J223 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3987.25 | 6.443 | 9575.35 | Employed |  | No |  |
| OBX2026J204 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1872 | 6.154 | 23602.38 | Employed | Employed | No | No |
| OBX2026J269 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) |  | 6.116 | 39811.55 | Employed | Employed | No | No |
| OBX2026J239 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2290 | 6.596 | 26112.37 | Employed | Not Employed | No | No |
| OBX2026J208 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6320 | 6.065 | 59044 | Employed |  | No |  |
| OBX2026J276 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.014 | 23533.01 | Employed |  | No |  |
| OBX2026J102 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 26680 | 6.124 | 10265.93 | Employed |  | No |  |
| OBX2026J238 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4915 | 6.443 | 10445.03 | Employed |  | No |  |
| OBX2026J023 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.139 | 43311.2 | Employed | Not Employed | No | No |
| OBX2026J229 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 6.388 | 44308.87 | Employed | Employed | No | No |
| OBX2026J292 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.521 | 29068.1 | Employed | Employed | No | No |
| OBX2026J098 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1589 | 6.267 | 16976.02 | Employed | Employed | No | No |
| OBX2026J047 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2720 | 6.157 | 27862.17 | Employed | Employed | No | No |
| OBX2026J211 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6017.5 | 6.154 | 86602.37 | Employed | Employed | No | No |
| OBX2026J032 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4129 | 6.411 | 19553.48 | Employed | Not Employed | No | No |
| OBX2026J048 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.401 | 16454.01 | Employed | Not Employed | No | No |
| OBX2026J289 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.262 | 93151.28 | Employed |  | No |  |
| OBX2026J287 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1450 | 6.396 | 14791 | Employed | Employed | No | No |
| OBX2026J254 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.277 | 17915.07 | Employed | Employed | No | No |
| OBX2026J055 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 6.593 | 15243.79 | Employed | Employed | No | No |
| OBX2026J245 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2010 | 6.393 | 55716.28 | Employed | Employed | No | No |
| OBX2026J263 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1890 | 6.138 | 217377.38 | Employed | Employed | No | No |
| OBX2026J051 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.272 | 20168.8 | Employed | Employed | No | No |
| OBX2026J099 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 9752.75 | 5.838 | 53585.55 | Employed | Employed | No | No |
| OBX2026J210 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1845.25 | 6.394 | 14216.82 | Employed |  | No |  |
| OBX2026J294 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.168 | 18336.61 | Employed | Employed | No | No |
| OBX2026J231 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 5.914 | 44624.56 | Employed | Employed | No | No |
| OBX2026J189 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 18343.8 | 6.58 | 23060.94 | Employed |  | No |  |
| OBX2026J036 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.263 | 48016.96 | Employed | Employed | No | No |
| OBX2026J015 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.266 | 22142.29 | Employed |  | No |  |
| OBX2026J293 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1790 | 6.522 | 28590.02 | Employed | Employed | No | No |
| OBX2026J226 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1390 | 6.52 | 24082.38 | Employed | Employed | No | No |
| OBX2026J257 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.144 | 14160.76 | Employed | Employed | No | No |
| OBX2026J301 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.395 | 16078.88 | Employed | Employed | No | No |
| OBX2026J265 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 180 | 6.262 | 27502.27 | Employed | Employed | No | No |
| OBX2026J260 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 8715 | 6.033 | 30529.95 | Employed | Employed | No | No |
| OBX2026J222 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.393 | 33063.19 | Employed | Employed | No | No |
| OBX2026J107 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 5257.5 | 6.312 | 10686.1 | Employed | Employed | No | No |
| OBX2026J242 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1590 | 6.142 | 27723.05 | Employed | Employed | No | No |
| OBX2026J296 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 6876.75 | 6.578 | 26679.63 | Employed | Employed | No | No |
| OBX2026J096 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4134 | 6.178 | 16824.34 | Employed | Employed | No | No |
| OBX2026J018 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2397 | 6.28 | 22075.14 | Employed | Not Employed | No | No |
| OBX2026J221 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.388 | 25662.78 | Employed | Employed | No | No |
| OBX2026J217 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.02 | 34373.08 | Not Employed | Not Employed | No | No |
| OBX2026J028 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.137 | 19944.91 | Employed | Employed | No | No |
| OBX2026J216 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1640 | 6.269 | 27905.8 | Employed | Employed | No | No |
| OBX2026J279 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7440 | 5.964 | 25538.02 | Employed | Employed | No | No |
| OBX2026J288 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1595 | 6.02 | 15475.97 | Employed | Employed | No | No |
| OBX2026J225 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 4236.4 | 6.161 | 29582.61 | Employed | Not Employed | No | No |
| OBX2026J230 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1690 | 6.406 | 12034.57 | Employed | Employed | No | No |
| OBX2026J184 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 14793 | 6.535 | 13794.12 | Employed | Employed | No | No |
| OBX2026J194 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11955 | 6.341 | 18081.83 | Employed | Not Employed | No | No |
| OBX2026J183 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 28020 | 6.847 | 14213.69 | Employed | Retired | No | No |
| OBX2026J228 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1495 | 6.925 | 10816.82 | Employed |  | No |  |
| OBX2026J291 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 25580.63 | 6.949 | 14717 | Employed |  | No |  |
| OBX2026J203 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 3722 | 6.529 | 41643.16 | Employed | Employed | No | No |
| OBX2026J105 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1770.25 | 6.265 | 31782.37 | Employed | Employed | No | No |
| OBX2026J236 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 11830.54 | 6.69 | 65197.77 | Employed | Not Employed | No | No |
| OBX2026J177 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1844.5 | 6.271 | 34128.21 | Employed | Not Employed | No | No |
| OBX2026J295 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 6.532 | 45532.43 | Employed | Employed | No | No |
| OBX2026J277 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 12990 | 6.25 | 18227.58 | Employed | Employed | No | No |
| OBX2026J297 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 1990 | 5.896 | 29118.77 | Employed |  | No |  |
| OBX2026J250 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 7517.2 | 6.448 | 19166.61 | Employed | Employed | No | No |
| OBX2026J185 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 21269.74 | 5.906 | 20847.84 | Employed |  | No |  |
| OBX2026J186 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 10994 | 6.234 | 13750.79 | Employed | Employed | No | No |
| OBX2026J246 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 2855.54 | 6.278 | 24591.43 | Employed | Employed | No | No |
| OBX2026J080 | XXXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 22542.5 | 3.677 | 0 | Not Employed | Employed | No | No |
| OBX2026J059 | XXXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 13730 | 7.367 | 29516.58 | Not Employed | Not Applicable | No | Not Applicable |
| OBX2026J060 | XXXXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | 43187.42 | 7.371 | 0 | Employed | Not Applicable | No | Not Applicable |

---

## Exhibit 99.3

**Exhibit 99.3**

![](ex99-03_001.jpg)

**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 2026-J1 Trust – Data Files Procedures

We have performed the procedures described below on the specified attributes in (i) an electronic data file entitled "OBX 2026-J1 ASF – 1 (1.5.2026).xlsx" provided by the Initial Purchaser on January 6, 2026, on behalf of the Company, containing information on 305 mortgage loans as of January 1, 2026 (the "Initial Data File") and (ii) an electronic data file entitled "OBX 2026-J1 ASF – 1 (1.13.2026) v4.xlsx" provided by the Initial Purchaser on January 14, 2026, on behalf of the Company, containing information on 298 mortgage loans (the "Mortgage Loans") as of January 1, 2026 (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 2026-J1 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 the 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, Servicer Report 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 its subsidiaries are part of <br> the KPMG global organization of independent member firms affiliated with KPMG <br> International Limited, a private English company limited by guarantee.

![](ex99-03_002.jpg)

· The term "Sample Loan Selection File" means an electronic data file entitled "OBX 2026-J1 Masked IDs v2.xlsx"
provided by the Initial Purchaser on December 18, 2025, on behalf of the Company, containing a listing of the loan numbers for 305
mortgage loans.

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

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

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

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

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

---

| | |
|:---|:---|
| **Specified Attribute** | **Loan File / Instructions** |
| Seller Loan Number | Provided by the Company |
| Original Term to Maturity | URLA |
| Original Amortization Term | URLA, Promissory Note |
| Original Loan Amount | Promissory Note |
| Original Interest Rate | Promissory Note |
| Current Payment Amount Due | Promissory Note, Servicer Report |
| 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 |
| 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." |

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**2**

![](ex99-03_002.jpg)

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| | |
|:---|:---|
| **Specified Attribute** | **Loan File / Instructions** |
| 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 findings 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. Of the 31 Selected Loans in the Initial Data File, only 29 of the Selected Loans were included
in the Data File. We reperformed Procedure B on the remaining 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. We 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.

**3**

![](ex99-03_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.

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| | |
|:---|:---|
|  | /s/ KPMG LLP |
| McLean, Virginia |  |
| January 16, 2026 |  |

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**4**

**Exhibit A**

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| | |
|:---|:---|
| &nbsp;&nbsp;**Selected Loan #** | &nbsp;&nbsp;**Unique Identifier**<sup>(1)</sup> |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;OBX2026J162 |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;OBX2026J222 |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;OBX2026J221 |
| &nbsp;&nbsp;4 | &nbsp;&nbsp;OBX2026J059 |
| &nbsp;&nbsp;5 | &nbsp;&nbsp;OBX2026J233 |
| &nbsp;&nbsp;6 | &nbsp;&nbsp;OBX2026J060 |
| &nbsp;&nbsp;7 | &nbsp;&nbsp;OBX2026J294 |
| &nbsp;&nbsp;8 | &nbsp;&nbsp;OBX2026J301 |
| &nbsp;&nbsp;9 | &nbsp;&nbsp;OBX2026J026 |
| &nbsp;&nbsp;10 | &nbsp;&nbsp;OBX2026J032 |
| &nbsp;&nbsp;11 | &nbsp;&nbsp;OBX2026J232 |
| &nbsp;&nbsp;12 | &nbsp;&nbsp;OBX2026J185 |
| &nbsp;&nbsp;13 | &nbsp;&nbsp;OBX2026J240 |
| &nbsp;&nbsp;14 | &nbsp;&nbsp;OBX2026J172 |
| &nbsp;&nbsp;15 | &nbsp;&nbsp;OBX2026J067 |
| &nbsp;&nbsp;16 | &nbsp;&nbsp;OBX2026J112 |
| &nbsp;&nbsp;17 | &nbsp;&nbsp;OBX2026J065 |
| &nbsp;&nbsp;18 | &nbsp;&nbsp;OBX2026J129 |
| &nbsp;&nbsp;19 | &nbsp;&nbsp;OBX2026J285 |
| &nbsp;&nbsp;20 | &nbsp;&nbsp;OBX2026J121 |
| &nbsp;&nbsp;21 | &nbsp;&nbsp;OBX2026J051 |
| &nbsp;&nbsp;22 | &nbsp;&nbsp;OBX2026J167 |
| &nbsp;&nbsp;23 | &nbsp;&nbsp;OBX2026J038 |
| &nbsp;&nbsp;24 | &nbsp;&nbsp;OBX2026J023 |
| &nbsp;&nbsp;25 | &nbsp;&nbsp;OBX2026J047 |
| &nbsp;&nbsp;26 | &nbsp;&nbsp;OBX2026J111 |
| &nbsp;&nbsp;27 | &nbsp;&nbsp;OBX2026J277 |
| &nbsp;&nbsp;28 | &nbsp;&nbsp;OBX2026J102 |
| &nbsp;&nbsp;29 | &nbsp;&nbsp;OBX2026J196 |
| &nbsp;&nbsp;30 | &nbsp;&nbsp;OBX2026J078 |
| &nbsp;&nbsp;31 | &nbsp;&nbsp;OBX2026J044 |

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<sup>(1)</sup> The Company has assigned a unique 11-digit identifier to each mortgage loan in the Data Files. The unique identifiers referred to in this Exhibit are not the customer account numbers.

**A-1**

**Exhibit B**

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Selected<br> Loan #** | &nbsp;&nbsp;**Unique Identifier** | &nbsp;&nbsp;**Specified <br> Attribute** | &nbsp;&nbsp;**Per Initial Data<br> File** | &nbsp;&nbsp;**Per Procedure B** |
| &nbsp;&nbsp;31 | &nbsp;&nbsp;OBX2026J044 | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;74.42% | &nbsp;&nbsp;72.41% |
| &nbsp;&nbsp;31 | &nbsp;&nbsp;OBX2026J044 | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;74.42% | &nbsp;&nbsp;72.41% |

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**B-1**