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

 

CSMC 2021-NQM8 Trust ABS-15G

Exhibit 99.38

 

 

QM ATR Data

Run Date - 11/30/2021 9:52:47 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
1288543 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288545 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXXXX 0.00% Unemployed   US Citizen   No  
1288546 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1318370 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Foreign National   No  
1288547 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Permanent Resident Alien   No  
1288548 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Retired   US Citizen   No  
1288550 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288551 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288552 XXXXXXXXX XXXXXXXXXX Non-QM No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288553 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXXXX 0.00% Unemployed   Permanent Resident Alien   No  
1288554 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288555 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
1288556 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   Permanent Resident Alien   No  
1288557 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
1288558 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   Permanent Resident Alien   No  
1288561 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288563 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Foreign National   No  
1288564 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288566 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   Permanent Resident Alien   No  
1288567 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288568 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Non Permanent Resident Alien   No  
1288570 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
1288571 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288572 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288573 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   Permanent Resident Alien   No  
1288574 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288575 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288576 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288579 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   Permanent Resident Alien   No  
1288580 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Unemployed   US Citizen   No  
1288582 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Permanent Resident Alien   No  
1288583 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   Permanent Resident Alien   No  
1288586 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Permanent Resident Alien   No  
1288587 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288588 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288589 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288591 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288592 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288593 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Permanent Resident Alien   No  
1288595 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288597 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   Permanent Resident Alien   No  
1288599 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   Non Permanent Resident Alien   No  
1288601 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288602 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288603 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288604 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1288605 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288607 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   Permanent Resident Alien   No  
1288608 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288612 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX No   XXXXXXXXXX 0.00% Employed   US Citizen   No  
1288684 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288618 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXXXX 0.00% Unemployed Unemployed US Citizen US Citizen No  
1288619 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX     XXXXXXXXXX 0.00% Unemployed   Non Permanent Resident Alien   No  
1318372 XXXXXXXXX XXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   Non Permanent Resident Alien   No  
1288712 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed Employed US Citizen Permanent Resident Alien No  
1288713 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed Employed US Citizen US Citizen No  
1288714 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288715 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288722 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288726 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $7,447.12 XXXXXXXXXX 7.143% Employed Retired US Citizen US Citizen Yes $6,086.42
1288728 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288730 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288731 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $9,340.78 XXXXXXXXXX 6.555% Self-Employed Employed Non Permanent Resident Alien US Citizen Yes $39,614.84
1288732 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed Self-Employed US Citizen US Citizen No  
1318326 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Retired   US Citizen   No  
1288735 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1318327 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288736 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288737 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288740 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   Yes $5,902.36
1288741 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed Employed US Citizen Permanent Resident Alien No  
1288744 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed Self-Employed US Citizen US Citizen No  
1288746 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   Yes $5,505.58
1288748 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $10,556.23 XXXXXXXXXX 4.964% Self-Employed   US Citizen   Yes $6,829.95
1288749 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   US Citizen   No  
1288752 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed Self-Employed US Citizen US Citizen No  
1288754 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288757 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288759 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $11,781.01 XXXXXXXXXX 5.858% Self-Employed   US Citizen   Yes $36,337.49
1288762 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $8,795.79 XXXXXXXXXX 5.271% Self-Employed   US Citizen   Yes $8,885.91
1288764 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288765 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $16,484.23 XXXXXXXXXX 4.496% Employed Employed US Citizen US Citizen No  
1288766 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Unemployed   US Citizen   No  
1288772 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed   Permanent Resident Alien   No  
1288774 XXXXXXXXX XXXXXXXXXXXXXX QM Rebuttable Presumption No XXXXXXXXXX   $7,700.70 XXXXXXXXXX 5.672% Employed   Non Permanent Resident Alien   Yes $8,337.54
1318328 XXXXXXXXX XXXXXXXXXXXXXX QM Rebuttable Presumption No XXXXXXXXXX No $13,296.32 XXXXXXXXXX 5.479% Employed Employed US Citizen US Citizen Yes $10,715.30
1318329 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $13,616.36 XXXXXXXXXX 5.731% Employed   US Citizen   Yes $5,211.18
1288777 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed Self-Employed US Citizen US Citizen No  
1288778 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1288779 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed Unemployed US Citizen US Citizen No  
1318330 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $9,090.39 XXXXXXXXXX 4.463% Employed Employed US Citizen US Citizen Yes $9,041.86
1318331 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No  
1318332 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $17,756.78 XXXXXXXXXX 5.169% Self-Employed   US Citizen   Yes $17,213.07
1318333 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   Yes $39,129.82
1318334 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No   XXXXXXXXXX 0.00% Self-Employed   US Citizen   Yes $2,678.55
1318335 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $4,686.35 XXXXXXXXXX 5.431% Employed   US Citizen   No  
1318336 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX   $6,997.16 XXXXXXXXXX 6.247% Self-Employed   US Citizen   No  
1318337 XXXXXXXXX XXXXXXXXXXXXXX Non-QM No XXXXXXXXXX No $8,499.28 XXXXXXXXXX 4.224% Self-Employed   US Citizen   Yes $2,440.08
1318338 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1318339 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Self-Employed   US Citizen   No  
1318340 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1318341 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed   US Citizen   No  
1318342 XXXXXXXXX XXXXXXXXXXXXXX QM Safe Harbor No XXXXXXXXXX No $7,642.54 XXXXXXXXXX 4.395% Employed Unemployed US Citizen US Citizen No  
1318343 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Employed Employed US Citizen US Citizen No  
1318344 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Self-Employed Self-Employed US Citizen US Citizen No  
1318345 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX       0.00% Self-Employed Unemployed US Citizen US Citizen No  
1318346 XXXXXXXXX XXXXXXXXXXXXXX Exempt No XXXXXXXXXX No     0.00% Employed   US Citizen   No