EX-99.38 39 ex99-38.htm EVOLVE QM ATR DATA
 

CSMC 2021-NQM7 Trust ABS-15G

 

Exhibit 99.38

 

QM ATR Data
Run Date - 10/18/2021 10:48:00 AM
Evolve Loan ID Customer Loan ID Seller Loan ID Loan Level ATR/QM Status Application Date Prior to 1/10/2014 Lender Application Date GSE Eligible ATR/QM Total Points and Fees Rate Lock Date APR Borrower Employment Indicator Co Borrower Employment Indicator Borrower Foreign National Indicator Co Borrower Foreign National Indicator Residual Income ATR/QM Residual Income
1277908 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed   US Citizen   No  
1266218 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed   Non Permanent Resident Alien   No  
1247155 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No   XXXXXXXX 0.00%     US Citizen   No  
1259585 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed   US Citizen   No  
1247132 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed   US Citizen   No  
1253152 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00%     Foreign National   No  
1247119 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed   Foreign National   No  
1277909 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed   US Citizen   No  
1273941 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed   US Citizen   No  
1266228 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX Yes   XXXXXXXX 0.00% Employed   Non Permanent Resident Alien   No  
1182457 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX   $12,595.00 XXXXXXXX 3.011% Self-Employed Employed US Citizen US Citizen No  
1198376 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $11,120.00 XXXXXXXX 4.738% Self-Employed   US Citizen   Yes $10,069.71
1189520 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed Employed US Citizen US Citizen No  
1192785 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed   US Citizen   No  
1102247 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Self-Employed   Non Permanent Resident Alien   Yes $5,555.53
1224784 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $6,605.00 XXXXXXXX 4.832% Self-Employed   US Citizen   Yes $6,522.86
1233192 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $6,407.78 XXXXXXXX 3.854% Self-Employed   US Citizen   No  
1227292 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $8,729.92 XXXXXXXX 6.603% Self-Employed   US Citizen   Yes $5,687.33
1232165 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Unemployed Employed US Citizen US Citizen No  
1263005 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $6,505.48 XXXXXXXX 3.577% Self-Employed   US Citizen   No  
1230111 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $11,125.08 XXXXXXXX 4.31% Self-Employed   US Citizen   Yes $2,678.13
1231229 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $3,904.57 XXXXXXXX 6.346% Self-Employed   US Citizen   Yes $7,502.28
1230117 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Self-Employed   US Citizen   No  
1225659 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $29,635.40 XXXXXXXX 5.32% Employed   Non Permanent Resident Alien   Yes $16,925.28
1230116 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Self-Employed   US Citizen   Yes $50,451.25
1227290 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $4,854.91 XXXXXXXX 4.592% Self-Employed   US Citizen   Yes $14,965.25
1230304 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $14,949.24 XXXXXXXX 4.459% Self-Employed   US Citizen   No  
1225658 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $11,373.13 XXXXXXXX 6.418% Self-Employed Self-Employed Non Permanent Resident Alien Non Permanent Resident Alien Yes $13,955.26
1267869 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $7,235.52 XXXXXXXX 5.298% Self-Employed Self-Employed US Citizen US Citizen No  
1259221 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $5,841.06 XXXXXXXX 4.24% Retired Retired US Citizen US Citizen No  
1233189 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $39,864.34 XXXXXXXX 3.391% Self-Employed Self-Employed US Citizen US Citizen No  
1228449 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $15,438.52 XXXXXXXX 4.724% Self-Employed Self-Employed US Citizen US Citizen Yes $29,109.14
1227289 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $15,760.09 XXXXXXXX 5.228% Self-Employed Unemployed US Citizen US Citizen Yes $6,487.94
1233199 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Retired Self-Employed US Citizen US Citizen Yes $4,705.62
1225657 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Self-Employed   US Citizen   Yes $7,767.00
1230114 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $21,356.68 XXXXXXXX 5.376% Self-Employed   US Citizen   Yes $6,678.95
1227288 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX   $17,331.65 XXXXXXXX 5.015% Self-Employed   US Citizen   Yes $8,196.50
1253847 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $11,562.15 XXXXXXXX 3.812% Self-Employed   US Citizen   No  
1230302 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $12,994.24 XXXXXXXX 4.934% Self-Employed Self-Employed US Citizen US Citizen No  
1233191 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed   US Citizen   No  
1259248 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $10,124.58 XXXXXXXX 3.671% Retired Retired US Citizen US Citizen Yes $8,943.34
1232160 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $7,225.12 XXXXXXXX 3.767% Self-Employed   US Citizen   No  
1233194 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $24,104.00 XXXXXXXX 4.881% Self-Employed   US Citizen   No  
1230303 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $5,046.31 XXXXXXXX 4.812% Employed Employed US Citizen US Citizen No  
1233187 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX   $6,345.00 XXXXXXXX 5.492% Employed   Non Permanent Resident Alien   No  
1230113 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $18,052.45 XXXXXXXX 4.068% Self-Employed Employed US Citizen US Citizen Yes $11,013.91
1233190 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $9,958.23 XXXXXXXX 5.203% Self-Employed   US Citizen   No  
1233186 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Rebuttable Presumption No XXXXXXXXXX   $3,635.00 XXXXXXXX 5.26% Employed   US Citizen   No  
1225652 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $9,076.92 XXXXXXXX 3.623% Employed Retired US Citizen US Citizen Yes $34,339.81
1228451 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $21,502.96 XXXXXXXX 4.734% Self-Employed Unemployed US Citizen US Citizen Yes $15,755.85
1233195 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed   Non Permanent Resident Alien   Yes $10,230.16
1232163 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed   Permanent Resident Alien   No  
1263007 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $8,591.99 XXXXXXXX 6.496% Self-Employed Unemployed US Citizen US Citizen No  
1232162 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $12,748.98 XXXXXXXX 4.814% Retired Retired US Citizen US Citizen No  
1233200 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $9,095.83 XXXXXXXX 5.63% Self-Employed Unemployed US Citizen US Citizen Yes $5,406.19
1261308 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $8,525.35 XXXXXXXX 3.406% Self-Employed Self-Employed US Citizen US Citizen Yes $4,998.93
1253844 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $10,297.09 XXXXXXXX 3.482% Self-Employed   US Citizen   Yes $2,961.43
1267892 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $10,900.66 XXXXXXXX 6.204% Self-Employed   Non Permanent Resident Alien   No  
1260712 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $11,389.94 XXXXXXXX 4.451% Employed   US Citizen   Yes $9,164.03
1233198 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $8,916.00 XXXXXXXX 5.828% Self-Employed   US Citizen   Yes $6,435.47
1267895 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No   XXXXXXXX 0.00% Employed Unemployed US Citizen US Citizen Yes $6,683.69
1253217 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $14,396.41 XXXXXXXX 4.749% Self-Employed Self-Employed US Citizen US Citizen Yes $8,879.52
1261309 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Rebuttable Presumption No XXXXXXXXXX   $6,361.80 XXXXXXXX 6.102% Self-Employed   US Citizen   No  
1263009 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $7,675.67 XXXXXXXX 5.125% Self-Employed Unemployed US Citizen US Citizen Yes $7,656.66
1264539 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $12,226.96 XXXXXXXX 3.843% Employed   US Citizen   Yes $12,656.65
1267886 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $18,511.87 XXXXXXXX 5.161% Self-Employed   US Citizen   No  
1264516 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $9,863.19 XXXXXXXX 3.953% Self-Employed   US Citizen   No  
1263002 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $9,695.00 XXXXXXXX 6.326% Self-Employed   US Citizen   Yes $6,886.06
1260711 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX No $5,249.51 XXXXXXXX 4.221% Employed Retired US Citizen US Citizen Yes $4,927.78
1260704 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $6,782.50 XXXXXXXX 3.777% Self-Employed   US Citizen   Yes $15,052.22
1264522 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $15,543.09 XXXXXXXX 3.509% Employed Employed US Citizen US Citizen No  
1275402 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $17,538.89 XXXXXXXX 5.516% Self-Employed   Non Permanent Resident Alien   Yes $32,775.84
1253842 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $27,348.21 XXXXXXXX 3.988% Self-Employed Unemployed US Citizen US Citizen Yes $16,036.41
1253215 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Rebuttable Presumption No XXXXXXXXXX No $3,883.76 XXXXXXXX 4.528% Employed   US Citizen   No  
1263008 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $4,296.20 XXXXXXXX 4.566% Unemployed Unemployed US Citizen US Citizen No  
1263000 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No   XXXXXXXX 0.00% Employed   US Citizen   No  
1262172 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX   $8,205.28 XXXXXXXX 4.395% Unemployed Unemployed US Citizen US Citizen No  
1264526 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $7,398.71 XXXXXXXX 4.402% Employed   US Citizen   No  
1267893 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $9,587.48 XXXXXXXX 5.197% Self-Employed   US Citizen   No  
1262173 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $6,715.00 XXXXXXXX 4.456% Employed Unemployed US Citizen US Citizen No  
1267854 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX No $8,216.00 XXXXXXXX 4.246% Self-Employed   Non Permanent Resident Alien   Yes $4,189.58
1267856 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $8,633.00 XXXXXXXX 4.22% Self-Employed Employed US Citizen US Citizen Yes $2,886.14
1262999 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $14,399.48 XXXXXXXX 4.908% Self-Employed Retired US Citizen US Citizen Yes $9,682.92
1267891 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Employed Employed US Citizen US Citizen No  
1260705 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX No $11,198.96 XXXXXXXX 4.507% Employed Employed US Citizen US Citizen Yes $30,520.85
1260702 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $8,597.45 XXXXXXXX 5.289% Self-Employed Employed US Citizen US Citizen No  
1264533 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $14,281.77 XXXXXXXX 4.485% Employed   US Citizen   No  
1267840 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $5,546.70 XXXXXXXX 5.45% Employed   Non Permanent Resident Alien   Yes $4,436.04
1264536 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Self-Employed   Non Permanent Resident Alien   Yes $15,640.06
1267902 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $20,365.00 XXXXXXXX 5.186% Employed Employed US Citizen US Citizen No  
1267858 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $6,774.57 XXXXXXXX 4.22% Employed   Non Permanent Resident Alien   Yes $1,428.82
1264517 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $4,520.00 XXXXXXXX 3.468% Self-Employed   US Citizen   No  
1262164 XXXXXXXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX   $19,788.86 XXXXXXXX 4.091% Employed Unemployed US Citizen US Citizen Yes $13,599.87
1267898 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $23,508.35 XXXXXXXX 4.373% Self-Employed Unemployed US Citizen US Citizen No  
1267882 XXXXXXXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXX 0.00% Self-Employed Unemployed US Citizen US Citizen No