Nomura Asset Depositor Company, LLC ABS-15G
Exhibit 99.23
| Seller Loan ID | Customer Loan ID | Pretium Loan ID | Alt ID | Loan Exception ID | Exception ID | Exception Category | Exception Subcategory | Exception Description | Exception Comments | Seller Response | Reviewer Response | Exception Status | Initial Exception Grade | Final Exception Grade | Initial DBRS Exception Grade | Final DBRS Exception Grade | Initial Moodys Exception Grade | Final Moodys Exception Grade | Initial Fitch Exception Grade | Final Fitch Exception Grade | Initial Kroll Exception Grade | Final Kroll Exception Grade | Initial S&P Exception Grade | Final S&P Exception Grade | Subject to Predatory Lending | HUD Category | Reviewer Loan ID | Deal # |
| XXXXX | XXXXX | XXXXX | 767154 | XXXXX | 48 | Compliance | Missing Affiliated Business Disclosure | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 767154 | XXXXX | 1665 | Compliance | Missing Special Information Booklet / Home Loan Toolkit | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 582099 | XXXXX | 1586 | Compliance | Finance Charge Under Disclosed | Finance Charge Under Disclosed by $XXX.XX. Source of under-disclosure is unknown, TIL itemization indicates Lender included all prepaid finance charges. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 271243 | XXXXX | 2070 | Compliance | Missing Loan Modification | Missing modification agreement dated XX/XX/XXXX | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 125968 | XXXXX | 5 | Compliance | 3 day rescission period not provided | The file did not contain a HUD Disbursement date to verify Right of Rescission adherence. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 125968 | XXXXX | 1587 | Compliance | APR Under Disclosed | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 125968 | XXXXX | 1586 | Compliance | Finance Charge Under Disclosed | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 125968 | XXXXX | 26 | Compliance | Loan is subject to Mandatory Arbitration | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 125968 | XXXXX | 2070 | Compliance | Missing Loan Modification | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 943339 | XXXXX | 5 | Compliance | 3 day rescission period not provided | The file did not contain a HUD Disbursement date to verify Right of Rescission adherence. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 943339 | XXXXX | 1587 | Compliance | APR Under Disclosed | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 943339 | XXXXX | 1586 | Compliance | Finance Charge Under Disclosed | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 943339 | XXXXX | 26 | Compliance | Loan is subject to Mandatory Arbitration | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 917300 | XXXXX | 2070 | Compliance | Missing Loan Modification | Missing modification agreement dated XX/XX/XXXX | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 519341 | XXXXX | 26 | Compliance | Loan is subject to Mandatory Arbitration | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 519341 | XXXXX | 1742 | Compliance | Missing Appraisal | Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard. The subject loan closed XX/XX/XXXX. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 519341 | XXXXX | 2070 | Compliance | Missing Loan Modification | Missing Loan Modification | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 181396 | XXXXX | 5 | Compliance | 3 day rescission period not provided | The file did not contain a HUD Disbursement date to verify Right of Rescission adherence. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 181396 | XXXXX | 26 | Compliance | Loan is subject to Mandatory Arbitration | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 181396 | XXXXX | 2070 | Compliance | Missing Loan Modification | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 808209 | XXXXX | 1608 | Compliance | Loan Late Charge Parameters Exceeds State Thresholds | 5% > 2% maximum late fee allowed by the State of New York. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 808209 | XXXXX | 1742 | Compliance | Missing Appraisal | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 808209 | XXXXX | 2072 | Compliance | Missing evidence of Loan Approval | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 808209 | XXXXX | 1741 | Compliance | Missing Final Application | Final 1003 in file does not have an acknowledgement date and cannot be deemed Final. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 683209 | XXXXX | 5 | Compliance | 3 day rescission period not provided | The file did not contain a HUD Disbursement date to verify Right of Rescission adherence. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 683209 | XXXXX | 26 | Compliance | Loan is subject to Mandatory Arbitration | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 683209 | XXXXX | 1742 | Compliance | Missing Appraisal | Appraisal in file is dated XX/XX/XXXX, exceeding the 6 month industry age standard. The subject loan closed XX/XX/XXXX. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 683209 | XXXXX | 2070 | Compliance | Missing Loan Modification | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | ||||
| XXXXX | XXXXX | XXXXX | 130105 | XXXXX | 26 | Compliance | Loan is subject to Mandatory Arbitration | Loan is subject to Mandatory Arbitration. | Active | 2 | 2 | B | B | B | B | B | B | B | B | B | B | Y | Final HUD used for testing | XXXXX | XXXX | |||
| XXXXX | XXXXX | XXXXX | 341118 | XXXXX | 1608 | Compliance | Loan Late Charge Parameters Exceeds State Thresholds | 5% > 4% maximum late fee allowed by XXXXX XXXXXXXX | Active | 3 | 3 | C | C | C | C | C | C | C | C | C | C | Y | Final HUD used for testing | 0556-030 | ||||
| XXXXX | XXXXX | XXXXX | 341118 | XXXXX | 1650 | Compliance | Missing copy of title | Missing copy of title. | Active | 3 | 3 | D | D | D | D | D | D | D | D | D | D | Y | Final HUD used for testing | 0556-030 |