Yeah, I’ve run into the same thing—one time they flagged a $75 Venmo to my brother and wanted a letter of explanation. It’s gotten way more intense over the last few years. Some lenders are definitely stricter than others, but I think a lot depends on the individual underwriter too. I’ve had two loans with the same bank go totally differently just because of who was reviewing the file. Keeping a spreadsheet is smart... I started doing that after losing track of what docs I’d already sent. It’s tedious, but it does help keep your sanity.
That Venmo thing is wild—I had a similar situation where they questioned a $40 transfer to my roommate for pizza. I get that they want to be thorough, but sometimes it feels like overkill. Do you ever wonder if some underwriters just have different thresholds for what’s “suspicious”? I started saving every little receipt just in case... it’s exhausting, but I guess it’s better than scrambling later.
