EX-99.53 54 ex99-53.htm EDGEMAC SUPPLEMENTAL DATA
 

CSMC 2021-NQM7 Trust ABS-15G

 

Exhibit 99.53

 

TPR Firm: EdgeMAC Date Submitted: 10/14/2021                                                                                                                                                                                                                                                                                                                                
Client Name: Credit Suisse Report: Supplemental Data                                                                                                                                                                                                                                                                                                                                
Client Project: CSMC 2021-NQM7 Loans in report: 4                                                                                                                                                                                                                                                                                                                                
                                                                                                                                                                                                                                                                                                                                       
Report Date Loan Number Edge MAC ID Seller Loan Number Most Recent Pay History Longest Available  Credit based Modification Flag Type of Modification Modification Term Servicing Transfer Date Borrower 3 Original Score Borrower 4 Original Score Borrower 3 Original Score Date Borrower 4 Original Score Date Borrower 3 Updated Score Borrower 4 Updated Score Borrower 3 Updated Score Date Borrower 4 Updated Score Date FN Alternative Credit Documentation Borrower Residency Status Co-Borrower Residency Status UW Guideline Author UW Guideline Date UW Guideline Program Originator Credit Grade if appl  Correspondent Name Qualifying Credit Score Qualifying Home Value for LTV HOA Flag HOA Monthly Premium Amount Borrower Employment Status Co Borrower Employment Status No of Months Statement Type of Statements Assets / Income Doc Source - Bank Statements Income Doc Source (m) - W2 Income Doc Source (m) - Tax Returns Assets / Income Doc Source (m) - Asset Depletion Income Doc Source (m) - P&L Asset Verification (d) Borrower 1 Doc Type Borrower 2 Doc Type Borrower 3 Doc Type Borrower 4 Doc Type Investor DTI Prop DTI  Actual In Place Rent Third Party Market Rent Recourse Rent Loss Insurance m  Executed NOO Docs In File # Units Lease In Place Flag Borrower 1 Type Borrower 2 Type No Mtg Prop With Lender  No of Properties Year Built Total Sq Ft Property Condition # Beds # Baths Section 8 Acquisition Cost Renovation Cost UW Gross Potential Rent UW Economic Vacancy UW Effective Gross Income UW RE Taxes UW Ins Costs UW Prop Mgmt Fee UW Turnover Costs UW Repairs and Maintenance UW Marketing and Leasing Costs UW Utilities UW Other Costs UW HOA Fees UW Cap Ex Reserve Lease End Date Borrower 1 Name - By Income Borrower 2 Name - By Income Borrower First Name - Per Application Borrower Last Name  - Per Application Co Borrower First Name  - Per Application Co Borrower Last Name - Per Application Guarantor 1 Name Guarantor 1 Experian Score Guarantor 1 Transunion Score Guarantor 1 Most Recent Tri Merge Score Guarantor 1 Most Recent Tri Merge Score Date Guarantor 1 Total Income Guarantor 1 Total Debt Guarantor 2 Name Guarantor 2 Equifax Score Guarantor 2 Experian Score Guarantor 2 Transunion Score Guarantor 2 Most Recent Tri Merge Score Guarantor 2 Most Recent Tri Merge Score Date Guarantor 2 Total Income Guarantor 2 Total Debt ACH Payments Tape Cut Off Date Annual Property Tax Annual Insurance Costs Months Bankruptcy 7 11  Months Bankruptcy 13  Months Deed in Lieu Months Short Sale or Pre FC  Months Modification Prior Mtg Rent Late 30d in 24m  Prior Mtg Rent Late 60d in 24m  Prior Mtg Rent Late 90d in 24m  Life Event LOE Life Event Documented Prior Occupancy Type Number of Prior Credit Events Loan Application Date Regulatory Loan Purpose APR Points Fees QM Designation ATR Status Rate Lock Date Residual Income Originator QM Agency UW Test Non QM Reason Product Type Non QM Reason DTI Test 43 App Q  Non QM Reason Not App Q Any DTI  Non QM Reason Pts Fees Non QM Reason Other Executed ATR Docs In File QM ATR Exempt Reason TRID Applicable Full SFIG TRID 3 0 Scope Reviewed LP Grade DU Grade AUS Engine Collateral Underwriter CU risk score Property Inspection Wavier PIW  DSCR PITIA Income Used in DSCR Qualifying Rate Maturity Date P I Payment QM DTI ATR DTI Loan Regulation Benchmark Date Benchmark Rate HUD-1 Page 1 (Credits) Total  BALLOON FLAG FIRST RATE ADJUSTMENT DATE FIRST PAYMENT ADJUSTMENT DATE PAYMENT ADJUSTMENT FREQUENCY BORROWER 1 FIRST TIME HOME BUYER BORROWER 2 FIRST TIME HOME BUYER MOST RECENT BANKRUPTCY FILING DATE MOST RECENT BANKRUPTCY TYPE MOST RECENT BANKRUPTCY DISCHARGE DATE MOST RECENT FORECLOSURE DATE MOST RECENT SHORT SALE DATE MOST RECENT DEED IN LIEU DATE LEASEHOLD INDICATOR QUALIFYING PAYMENT TOTAL ASSETS WARRANTABLE CONDO
10/14/2021 1902013932 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 751 XXX N   Self-employed   12 Business Account XXX         30 12 Month Bank Statements       29.96%           1                                                                                      0 0 XXX   C3 - Well maintained/normal wear and tear                 XXX XXX             $0.00     XXX   XXX XXX                                       XXX $4,178.76                       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N N Y N N     Y Y         No   $4,207.06   7.77% XXX $3,067.09 29.964% 29.964%       No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years         XXX     No $3,067.09 XXX  
10/14/2021 1903015333 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 711 XXX N   Self-employed   12 Business Account XXX         120 12 Month Bank Statements       16.59%           1                                                                                      0 0 XXX   C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint       XXX         XXX XXX             $0.00     XXX   XXX XXX                                       XXX $2,126.04           0 0 0       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N N Y Y N     Y Y             $1,657.49   6.15% XXX $969.98 16.594% 16.594%       No       Borrower has prior home ownership experience within the past 3 years               No $969.98 XXX  
10/14/2021 1904016024 XXX XXX X                         Not used Borrower is a Foreign National  - Legal residency has been verified     XXX XXX XXX XXX 625 XXX Y $140.00 Self-employed   12 Business Account XXX         30 12 Month Bank Statements       23.48%           1                                                                                      0 0 XXX   C3 - Well maintained/normal wear and tear                 XXX XXX             $1,680.00     XXX   XXX XXX                                       XXX $2,300.04                 Y     0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   Y N Y Y N     Y Y       1     $3,752.34   8.31% XXX $1,794.80 23.475% 23.475%       No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $2,538.44 XXX  
10/14/2021 1904016171 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 775 XXX N   Self-employed   12 Business Account XXX         30 12 Month Bank Statements       29.94%           1                                                                                      0 1 XXX   C3 - Well maintained/normal wear and tear                 XXX XXX             $0.00     XXX   XXX XXX                                       XXX $2,293.92           0 0 0       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N N Y N N     Y Y             $1,952.07   6.09% XXX $1,512.57 29.942% 29.942%       No       Borrower has prior home ownership experience within the past 3 years               No $1,512.57 XXX