EX-99.5 6 ex99-5.htm CLAYTON RATING AGENCY ATR QM DATA FIELDS
 

CSMC 2021-NQM7 Trust ABS-15G

 

Exhibit 99.5

 

Client Name:                              
Client Project Name: CSMC 2021-NQM7                            
Start - End Dates: 1/11/2017 - 9/18/2021                            
Deal Loan Count: 107                            
                               
                                   
Rating Agency ATR QM Data Fields                            
                                   
Loans in Report:  107                            
                                   
Loan Number Loan Level ATR/QM Status Application Date Prior to 1/10/2014 TRID Indicator Lender Application Date Broker Application Date GSE Eligible QRM Flag ATR/QM Total Points and Fees Rate Lock Date APR Bwr 1 Employment Indicator Bwr 2 Employment Indicator Bwr 1 Foreign National Indicator Bwr 2 Foreign National Indicator Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income
433663295 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 19745 XXXXXX 4.3157 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733562 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8800 XXXXXX 4.5 Employed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
433733563 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 21771.25 XXXXXX 4.1466 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
431115371 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 1495 XXXXXX 5.315 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
431100080 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 19510 XXXXXX 4.9456 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 6847.72
431115463 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4001.5 XXXXXX 5.7971 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733574 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9983.75 XXXXXX 4.5964 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433319971 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11459.5 XXXXXX 4.4808 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433319999 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 16500 XXXXXX 4.2 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433320003 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13490 XXXXXX 4.5148 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433888103 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 1295 XXXXXX 4.807 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433320012 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 20805 XXXXXX 4.8596 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433320017 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9656.1 XXXXXX 4.7788 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433320025 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 21600 XXXXXX 4.75 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433663303 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 3090 XXXXXX 4.1695 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733584 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 44751.76 XXXXXX 5.0005 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433320056 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10379.38 XXXXXX 4.3517 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433621310 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 18826.25 XXXXXX 5.2509 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433621311 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10470 XXXXXX 4.3658 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433621312 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 875 XXXXXX 4.9115 Employed Unemployed U.S. Citizen Permanent Resident Alien (No Data) No 0
433621314 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 26510.2 XXXXXX 4.603 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733587 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11505.48 XXXXXX 4.2117 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807773 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11365 XXXXXX 4.3453 Employed Employed Permanent Resident Alien U.S. Citizen (No Data) No 0
433733592 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6813.8 XXXXXX 4.4298 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
433733593 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 35840 XXXXXX 4.575 Employed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
433733594 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 21635 XXXXXX 4.3843 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807776 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8824.5 XXXXXX 4.1401 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
433733596 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4995 XXXXXX 4.4099 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433663330 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 28000 XXXXXX 4.5 Unemployed (No Data) Non-Resident Alien (No Data) (No Data) (No Data) 0
433652296 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 24000 XXXXXX 4.575 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433733602 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4820 XXXXXX 4.7012 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733606 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7190 XXXXXX 4.0725 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807781 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 12815 XXXXXX 4.1454 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733615 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11634.5 XXXXXX 4.5002 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807783 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9893 XXXXXX 4.1849 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433652307 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11685 XXXXXX 4.8955 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733625 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5725 XXXXXX 4.5832 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733628 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 16350 XXXXXX 5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433663372 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10178.06 XXXXXX 4.5713 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433888109 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8975 XXXXXX 4.0932 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807789 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8696.48 XXXXXX 5.025 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433663393 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 38785 XXXXXX 5.5563 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807791 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 26285 XXXXXX 4.3384 Employed Unemployed U.S. Citizen (No Data) (No Data) No 0
433733638 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5845 XXXXXX 4.4223 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
433733643 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8654.5 XXXXXX 4.1368 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433663398 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5808 XXXXXX 4.4252 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
433733646 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8193.5 XXXXXX 4.7027 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433663406 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 39878.25 XXXXXX 5.9105 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733653 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10576.25 XXXXXX 4.408 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733654 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 18206.25 XXXXXX 4.289 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433652332 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 37859 XXXXXX 4.5691 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733655 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13196.15 XXXXXX 4.4967 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433652334 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 8800 XXXXXX 4.375 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433733663 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 18069.5 XXXXXX 4.8035 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) No 0
433733664 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4950 XXXXXX 4.7145 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807800 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10154.5 XXXXXX 4.455 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433733666 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13397.38 XXXXXX 5.199 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433807803 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7520 XXXXXX 4.7742 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433807804 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 13160 XXXXXX 4.5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433733677 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 26429.38 XXXXXX 5.2121 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733689 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6129.5 XXXXXX 4.6078 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733697 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 26595 XXXXXX 5.1919 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807814 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9345 XXXXXX 5.096 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733701 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10407.5 XXXXXX 4.4537 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 0
433807816 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4355 XXXXXX 4.4202 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807817 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5545 XXXXXX 4.3726 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807819 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 12000 XXXXXX 4.125 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433733712 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9474.5 XXXXXX 4.6552 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733716 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8638.66 XXXXXX 4.308 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
433888114 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10000 XXXXXX 4.4666 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733721 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6364.5 XXXXXX 5.0406 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733723 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14980 XXXXXX 5.1393 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733724 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11982.5 XXXXXX 4.003 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
433807831 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8662.75 XXXXXX 4.3818 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733740 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6592 XXXXXX 5 Unemployed Unemployed Non-Permanent Resident Alien Non-Permanent Resident Alien (No Data) (No Data) 0
433733742 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9870 XXXXXX 4.7575 Employed Unemployed Permanent Resident Alien Permanent Resident Alien (No Data) No 0
433888117 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10730 XXXXXX 4.3608 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
433733748 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 28552.5 XXXXXX 4.873 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433733752 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7733.75 XXXXXX 4.4479 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807856 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13257.5 XXXXXX 4.6523 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433807859 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 11979.5 XXXXXX 4.436 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888127 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 112000 XXXXXX 4.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433807864 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7721.95 XXXXXX 4.3587 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433807869 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 7390 XXXXXX 4.7731 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433733755 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 2295 XXXXXX 5.0397 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807873 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5260.75 XXXXXX 4.4955 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433807887 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8996 XXXXXX 4.2154 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433807892 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 10537.75 XXXXXX 4.3535 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
433888142 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14420 XXXXXX 5.221 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888144 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9295 XXXXXX 4.5995 Employed (No Data) Non-Resident Alien (No Data) (No Data) No 0
433888150 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 6170 XXXXXX 5.5898 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888170 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 16190 XXXXXX 4.658 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888176 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 31295 XXXXXX 4.0421 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433888183 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 9015.5 XXXXXX 4.1841 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888185 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 13895 XXXXXX 4.8335 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433888186 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 27000 XXXXXX 4.125 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
433888188 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14490 XXXXXX 4.5876 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888190 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 22844.5 XXXXXX 5.4342 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888196 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14211.75 XXXXXX 4.1143 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433888204 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 14748 XXXXXX 4.0796 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888209 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8295 XXXXXX 3.9533 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
433888210 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 8018.75 XXXXXX 4.3467 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
433888220 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 4295 XXXXXX 4.1312 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
431842263 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 5642.91 XXXXXX 5.7901 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
431841994 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 6563.88 XXXXXX 7.3738 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
431842199 ATR/QM: Exempt No Yes XXXXXX XXXXXX No No 995 XXXXXX 6.234 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
431841925 Non-QM: Lender documented all ATR UW factors No Yes XXXXXX XXXXXX No No 495 XXXXXX 7.5559 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0

 

 


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