CSMC 2021-NQM7 Trust ABS-15G

Exhibit 99.22

Loan Number

Finding #

Last Name

Note Date

Audit Category

Audit Issue

Finding ID

Exception Finding

Remediation Status

Exception Rebuttal

Exception Response

Status Comment

Initial Findings Grade

Final Findings Grade

Initial Loan Grade

Final Loan Grade

432709921

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

4

1

432709921

2 of 3

XXXX

XX/XX/XXXX

Credit

Initial Application - Missing

XXXX

The Initial application is incomplete.

Resolved

Rebuttal 1 (XX/XX/XXXX 8:59AM) Application Attached

Response 1 (XX/XX/XXXX 7:04PM) Documentation received is sufficient. (Resolved)

4

1

4

1

432709921

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

4

1

433621028

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

433621028

2 of 3

XXXX

XX/XX/XXXX

Credit

Hazard Insurance - Missing/Insufficient

XXXX

The loan was missing current hazard insurance policy on the subject property with sufficient coverage. The hazard insurance does not contain rent loss coverage.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:29PM) Hazard documentation attached showing non-owner occupied dwelling and Dwelling Property 3 - Special form coverage

Response 1 (XX/XX/XXXX 4:51PM) Documentation received is sufficient. (Resolved)

3

1

3

1

433621028

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

3

1

433479773

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

433479773

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Cash to Close

XXXX

The file did not contain evidence the borrower had the proper amount of funds required to close. The amount of funds required to close, including reserves, is $XXXX. However the only documented funds available in the loan file were from two XXXX accounts (#XXXX - $XXXX & #XXXX - $XXXX) which totals $XXXX. This provides a cash to close shortage of $XXXX. It should be noted that documentation on the final 1003 indicates they were using funds from an XXXX account to cover closing costs, however no evidence of the aforementioned XXXX account could be located in the loan file.

Resolved

Rebuttal 1 (XX/XX/XXXX 9:05AM) XXXX account statement attached

Response 1 (XX/XX/XXXX 9:17AM) Documentation received is sufficient. (Resolved)

3

1

3

1

433479773

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.

1

1

3

1

433752663

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433752663

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433752663

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

433752665

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433752665

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433752665

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.

1

1

1

1

433752676

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

433752676

2 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

1

433752676

3 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

3

1

433752676

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal zoning section

XXXX

The appraisal report indicates the subject area is zoned non-conforming. If the subject were to be damaged more than XX% of its current value, it would not be allowed to re-build as a 3 unit residence.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:29PM) We accept legal non-conforming properties and we do not require the rebuild language in our guidelines. This should not be an exception. Same as finding ID XXXX

Response 1 (XX/XX/XXXX 9:09AM) Explanation received is sufficient. (Resolved)

3

1

3

1

433752678

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433752678

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433752678

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

433752692

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433752692

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433752692

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.

1

1

1

1

433621052

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433621052

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433621052

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

433621053

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433621053

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433621053

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

433752695

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433752695

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433752695

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

433752705

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

1

433752705

2 of 3

XXXX

XX/XX/XXXX

Credit

Hazard Insurance - Missing/Insufficient

XXXX

The loan was missing current flood insurance policy on the subject property.

Resolved

Rebuttal 1 (XX/XX/XXXX 4:45PM) Flood doc attached

Response 1 (XX/XX/XXXX 8:16AM) Documentation received is sufficient. (Resolved)

3

1

3

1

433752705

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

3

1

433752708

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

433752708

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

433752708

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA that supports the opinion of value in the origination appraisal report.

1

1

1

1

434067718

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

1

1

434067718

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

1

1

434067718

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within 10% of original appraisal amount

XXXX

The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX which supports the appraised value.

1

1

1

1

434067762

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

3

434067762

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

1

1

3

3

434067762

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is not supported within 10% of original appraisal amount

XXXX

The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value.

Resolved

Rebuttal 1 (XX/XX/XXXX 4:27PM) Guidelines for 5-8 unit properties do not require CDA, field review, or 2nd appraisal. "For all refinance loans use the appraised value as the lending value"

Response 1 (XX/XX/XXXX 1:18PM) Explanation received is sufficient. (Resolved)

3

3

3

3

434067763

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

1

1

3

3

434067763

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Earnest Money Deposit

XXXX

The earnest money deposit was not properly documented and/or sourced. EMD check in file is undated, with no evidence of realtor/escrow co receipt.

Resolved

Rebuttal 1 (XX/XX/XXXX 9:11AM) Signed sales contract package attached including acknowledgment of EMD received

Response 1 (XX/XX/XXXX 1:47PM) Documentation received is sufficient. (Resolved)

3

1

3

3

434067763

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is not supported within 10% of original appraisal amount

XXXX

The loan file did not contain a CDA, Field Review, or 2nd Appraisal to support the origination appraised value.

Resolved

Rebuttal 1 (XX/XX/XXXX 4:17PM) Guidelines for 5-8 unit properties do not require CDA, field review, or 2nd appraisal. "For all refinance loans use the appraised value as the lending value"

Response 1 (XX/XX/XXXX 1:48PM) Explanation received is sufficient. (Resolved)

3

3

3

3