FICTIONAL DOCUMENTS · SAMPLE FINDINGS

A sample Fynvera audit

Harlow Residence Purchase — fictional data, not a borrower file.

Audit workspaceFictional sample

Harlow Residence Purchase

Residential mortgage · 6 documents

5 findings

Document inventory

paystub_january.pdfComplete
paystub_february.pdfComplete
harlow_w2_2025.pdfComplete
bank_statement_january.pdfComplete
bank_statement_february.pdfMissing pages
purchase_contract.pdfComplete

Findings & conditions

February bank statement is missing pages

Pages 3–4 of 6 are missing. The full transaction history cannot be verified.

bank_statement_february.pdf · p.2

Request: Provide all 6 pages of the February bank statement, including blank pages.

Bank balances do not carry forward

January ends at $14,210.44; February begins at $12,960.44. The $1,250.00 difference needs clarification.

bank_statement_february.pdf · p.1

Request: Provide a written explanation and supporting records for the $1,250.00 balance difference.

Stated income differs from supporting documents

Stated monthly income of $9,200 exceeds verified income of $8,450 by 8.2%.

paystub_february.pdf · p.2

Request: Provide updated income documentation and the most recent federal tax return.

$7,500 deposit requires a source

A deposit on February 12 exceeds the $5,000 large-deposit threshold and has no supporting source.

bank_statement_february.pdf · p.2

Request: Provide documentation identifying the source of the $7,500 deposit on February 12.

Purchase contract is missing initials

Borrower initials are missing on page 9 of the purchase contract.

purchase_contract.pdf · p.9

Request: Return page 9 of the purchase contract with the required initials.

Borrower follow-up

Hi Jordan,

Thanks for sending your documents. Please provide:

  • February statement pages 3–4
  • Balance difference explanation
  • Income documentation and federal tax return
  • Deposit source documentation
  • Initialed contract page 9

Thank you.

Draft · Review before sending