COLT SECURITIZATION DEPOSITOR, LLC ABS-15G
Exhibit 99.13
| Exception Detail |
| Run Date - 07/09/2025 8:03:41 AM |
| Evolve Loan ID | Customer Loan ID | Seller Loan ID | Deal ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | Exception | Exception Detail | Exception Information | Exception Remediation | Compensating Factors | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | Exception Level Rating | Note Date | Property State | Occupancy | Purpose | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Final Loan Grade | Compliance Initial Loan Grade | Compliance Final Loan Grade | Property Initial Loan Grade | Property Final Loan Grade | Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| XXXX | XXXX | XXXX | 4350115638 | XXXX | XXXX | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Short term rental DSCR > 65% requires 75% of market rent. Exception required to use 80% of short-term market rent. | Received Exception approval for STR DSCR to use 80% of short-term market rent. Comp Factors - reserves over 100%, seasoned investor, score XXXX, LTV 75% | XXXX | XXXX | XXXX | B | 2 | XXXX | XXXX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||
| XXXX | XXXX | XXXX | 4350115638 | XXXX | XXXX | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Max contributions for Non-Owner-Occupied properties is 3%. Subject contributions 3.55%. Seller contributed $XXXX, Realtor contributed $XXXX. | Received Exception approval for ICP over 3%/ Comp Factors - reserves over 100%, seasoned investor, score XXXX, LTV 75% | XXXX | XXXX | XXXX | B | 2 | XXXX | XXXX | 3 | 1 | C | B | C | B | N/A | N/A | A | A | Exempt | 1 | |||||
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | Subject current mortgage is a private mortgage. Need a copy of that note. | Payoff and lender VOM provided | XXXX | XXXX | XXXX | A | 1 | XXXX | XXXX | 1 | 3 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Max LTV for Rural Properties is 75%. Exception approved for Rural property at 80% LTV. | Compensating factors: Fico of XXXX above minimum requirement of XXXX. Mortgages paid agreed. $XXXX residual requirement above the minimum of $XXXX. | XXXX | XXXX | XXXX | B | 2 | XXXX | XXXX | 1 | 3 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | The application shows a $XXXX mortgage with XXXX for XXXX but it is not showing on credit. Need copy of note and 12 mo payment history. | No mortgage on property HOI and Tax cert provided | XXXX | XXXX | XXXX | A | 1 | XXXX | XXXX | 1 | 3 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||
| XXXX | XXXX | XXXX | 4350115637 | XXXX | XXXX | XXXX | Credit | UW Credit | UW Credit - UW - Credit Other | The file contains a credit inquiry for a XXXX with a balance of $XXXX and a monthly payment of $XXXX. Need a further LOE on this loan and proof Borrower is not personally responsible for it. If they are, need to add it to the loan. | Paid by business | XXXX | XXXX | XXXX | A | 1 | XXXX | XXXX | 1 | 3 | C | B | C | B | A | A | A | A | Non-QM | 1 | |||||
| XXXX | XXXX | XXXX | 4350115639 | XXXX | XXXX | XXXX | Credit | UW Qualifications | UW Qualifications - UW – Exception needed | Maximum DTI for a FTHM is 45%. Loan exceeds it. | Compensating factors: PAA past rental history. $XXXX residual income and XXXX months reserves | XXXX | XXXX | XXXX | B | 2 | XXXX | XXXX | 1 | 1 | C | B | C | B | A | A | A | A | Non-QM | 1 |