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

 

CSMC 2021-NQM8 Trust ABS-15G

Exhibit 99.53

 

TPR Firm: EdgeMAC Date Submitted: 11/24/2021
Client Name: Credit Suisse Report: Supplemental Data
Client Project: CSMC 2021-NQM8 Loans in report: 22

 

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 Flag 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
11/24/2021 1901013669 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 742 XXX Y $247.00 Self-employed       XXX           Existing Lease Existing Lease       995 1050       1                                                                                Y     0 5 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 1 1.1       12600 0.01 12474 XXX $437.04     $150.00       $2,964.00 $886.00 XXX XXX XXX XXX XXX   XXX Y     XXX $437.04                       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 154.75% $773.34 $995.00 7.14% XXX $404.84           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $404.84   Non-Warrantable Condo
11/24/2021 1902013951 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 736 XXX N   Self-employed       XXX         30 1007 Rent Schedule         2500 2112       1                                                                                Y     0 1 XXX XXX C3 - Well maintained/normal wear and tear 3 2   XXX   30000   30000 XXX $696.96     $900.00       $0.00 $1,005.00 XXX XXX   XXX XXX           XXX $696.96           0 0 0       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 109.49% $1,985.98 $2,112.00 7.44% XXX $1,328.39           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $1,328.39 XXX  
11/24/2021 1902013966 XXX XXX X                           Borrower is a Resident Alien - proof of status provided     XXX XXX XXX XXX 772 XXX Y $728.00 Self-employed       XXX         30 1007 Rent Schedule 1007 Rent Schedule         1750       1                                                                                N     0 1 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 1 1       21000 0.05 19950 XXX $111.96     $1,600.00       $8,736.00 $325.00   XXX XXX XXX XXX   XXX Y     XXX $111.96                       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 130.96% $1,547.45 $1,750.00 7.09% XXX $654.25           No       Borrower has prior home ownership experience within the past 3 years               No $654.25 XXX Non-Warrantable Condo
11/24/2021 1902014224 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 747 XXX N   Self-employed       XXX         30 1007 Rent Schedule         3500 2500       1                                                                                Y     0 1 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 3 1             XXX $757.20             $0.00   XXX XXX   XXX XXX           XXX $757.20           1 0 0       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 100.60% $2,487.22 $2,500.00 7.29% XXX $2,146.04           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $2,146.04 XXX  
11/24/2021 1902014500 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 787 XXX Y $375.00 Self-employed       XXX         90 1007 Rent Schedule 1007 Rent Schedule         1700       1                                                                                N     0 1 XXX XXX C3 - Well maintained/normal wear and tear 3 2   XXX   20400 0 20400 XXX $463.56 $150.00   $200.00       $4,500.00 $586.00   XXX XXX XXX XXX   XXX Y     XXX $463.56                       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 100.05% $1,699.45 $1,700.00 6.21% XXX $1,042.76           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $1,042.76 XXX Warrantable Condo
11/24/2021 1902014586 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 660 XXX N   Self-employed       XXX         60 12 Month Verification (S/E Only)       68.18%           1                                                                                      0 0 XXX XXX C3 - Well maintained/normal wear and tear                 XXX $1,065.12             $0.00     XXX   XXX XXX           XXX $1,065.12           0 0 0 Y     0 XXX Business Purpose XXX   Not covered / exempt     XXX   N N N N N   Investor Property N N             $1,815.72   7.99% XXX $1,195.95 38.110% 38.110%       No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $1,407.09 XXX  
11/24/2021 1902014647 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 647 XXX N   Self-employed                   Existing Lease         900 1000       1                                                                                Y     0 1 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 3 2   XXX   12000 0.05 11400 XXX $1,005.00     $300.00       $0.00 $1,499.00 XXX XXX   XXX XXX           XXX $1,005.00           0 0 0       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 109.39% $836.64 $900.00 8.11% XXX $674.72           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $674.72    
11/24/2021 1903014991 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 782 XXX N   Self-employed       XXX         60 1007 Rent Schedule 1007 Rent Schedule       1500 1500       1                                                                                Y     0 1 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 3 2             XXX $989.88             $0.00   XXX XXX XXX XXX XXX   XXX Y     XXX $989.88                 Y     0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N           139.69% $1,201.27 $1,500.00 6.96% XXX $752.73           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years Borrower has prior home ownership experience within the past 3 years             No $752.73 XXX  
11/24/2021 1903015138 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 717 XXX Y $178.00 Self-employed                   Existing Lease         995 995       1                                                                                Y     0 0 XXX XXX C3 - Well maintained/normal wear and tear 1 1   XXX   11940 0.05 11343 XXX $477.96 $1,194.00   $900.00       $2,136.00 $535.00 XXX XXX   XXX XXX           XXX $477.96                       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 111.28% $926.79 $995.00 7.39% XXX $604.94           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $604.94   Warrantable Condo
11/24/2021 1903015452 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 774 XXX N   Self-employed       XXX         30 1007 Rent Schedule         1600 1550       1                                                                                Y     0 5 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 4 2   XXX   18600 0.05 17400 XXX $1,122.96     $1,600.00   $500.00   $0.00 $680.00 XXX XXX   XXX XXX           XXX $1,122.96           0 0 0       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 187.21% $1,097.70 $1,550.00 6.46% XXX $518.66           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $518.66 XXX  
11/24/2021 1904016312 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 650 XXX N   Non-wage Earnings                    Existing Lease         1425         1                                                                                      0 3 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 4 2             XXX $1,530.00             $0.00     XXX   XXX XXX           XXX $1,530.00           0 0 0 Y     0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N           170.73% $957.85 $1,425.00 8.00% XXX $606.95           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $660.45 XXX  
11/24/2021 1904016381 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 622 XXX N   Self-employed       XXX           Existing Lease Existing Lease       1250 1400       1                                                                                Y     0 1 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate 4 2   XXX   28800 0.02 28224 XXX $773.04     $1,950.00   $1,053.00   $0.00 $520.00 XXX XXX XXX XXX XXX   XXX Y     XXX $773.04                       0   Business Purpose     Not covered / exempt         N N N N N   Investor Property N N       1.7 No 213.92% $640.41 $1,250.00 8.14% XXX $535.10           No       Borrower has prior home ownership experience within the past 3 years               No $535.10    
11/24/2021 1904016656 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 689 XXX Y $422.00 Salaried Employee       XXX XXX       90 Full Documentation       42.38%           1                                                                                      0 0 XXX XXX C3 - Well maintained/normal wear and tear                 XXX $366.00             $5,064.00     XXX   XXX XXX           XXX $366.00                       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N Y N Y N     Y Y         No   $1,466.59   7.04% XXX $871.29 42.378% 42.378%       No XXX XXX 12 months / yearly Borrower is a First Time Home Buyer               No $871.29 XXX Warrantable Condo
11/24/2021 1904016798 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 728 XXX N   Self-employed       XXX           1007 Rent Schedule 1007 Rent Schedule         1400       1                                                                                N     0 4 XXX XXX C2 - Relatively new or recently renovated property/Well Maint/No Deferred Maint 3 1.1   XXX   16800 0.02 16464 XXX $811.80     $1,200.00   $1,780.00   $0.00 $426.00   XXX XXX XXX XXX   XXX Y     XXX $811.80           0 0 0       0   Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 164.28% $885.94 $1,400.00 7.34% XXX $799.74           No       Borrower has prior home ownership experience within the past 3 years               No $799.74    
11/24/2021 1904017034 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 807 XXX Y $557.00 Self-employed       XXX         90 Asset Depletion         15.79%           1                                                                                      0 0 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate       XXX         XXX $1,236.00             $6,684.00     XXX   XXX XXX           XXX $1,236.00                       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   Y N Y N N     Y Y             $4,494.09   6.39% XXX $2,519.46 15.786% 15.786%       No XXX XXX 12 months / yearly Borrower is a First Time Home Buyer               No $3,170.44 XXX Warrantable Condo
11/24/2021 1904017179 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 709 XXX Y $50.00 Self-employed       XXX         30 1007 Rent Schedule           1700       1                                                                                N     0 0 XXX XXX C1 - Newly contracted/Not Previously Occupied 3 2   XXX         XXX $419.04             $600.00     XXX   XXX XXX           XXX $419.04           0 0 0       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No 119.25% $1,494.91 $1,700.00 6.14% XXX $1,065.62           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years               No $1,065.62 XXX  
11/24/2021 1905017385 XXX XXX X                           Borrower is a US Citizen Borrower is a US Citizen   XXX XXX XXX XXX 752 XXX N   Self-employed       XXX         60 Existing Lease Existing Lease       1400 1425       1                                                                                Y     0 3 XXX XXX C3 - Well maintained/normal wear and tear 3 1   XXX         XXX $1,890.00             $0.00   XXX XXX XXX XXX XXX XXX XXX Y     XXX $1,890.00                       0 XXX Business Purpose     Not covered / exempt         N N N N N   Investor Property N N           134.49% $1,118.76 $1,400.00 7.21% XXX $815.36           No       Borrower has prior home ownership experience within the past 3 years Borrower has prior home ownership experience within the past 3 years             No $815.36 XXX  
11/24/2021 1905017535 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 718 XXX N   Self-employed       XXX         60 1007 Rent Schedule 1007 Rent Schedule       930 1145       1                                                                                Y     0 1 XXX XXX C3 - Well maintained/normal wear and tear 3 1   XXX         XXX $1,076.04             $0.00   XXX XXX XXX XXX XXX   XXX Y     XXX $1,076.04                       0   Business Purpose     Not covered / exempt         N N N N N   Investor Property N N           139.70% $711.41 $930.00 6.76% XXX $550.57           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years   XXX Chapter 7 XXX       No $550.57 XXX  
11/24/2021 1905017689 XXX XXX X                         Not used Borrower is a Non-Permanent Resident Alien Borrower is a Non-Permanent Resident Alien   XXX XXX XXX XXX 680 XXX Y $550.00 Self-employed Self-employed 12 Business Account XXX         60 12 Month Bank Statements 12 Month Bank Statements     16.98%           1                                                                                          XXX XXX C3 - Well maintained/normal wear and tear       XXX         XXX $3,297.00             $6,600.00     XXX XXX XXX XXX XXX XXX       XXX $3,297.00                       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N N Y Y N     Y Y         No   $2,090.79   6.14% XXX $942.80 16.975% 16.975%       No       Borrower has prior home ownership experience within the past 3 years Borrower has prior home ownership experience within the past 3 years             No $942.80 XXX  
11/24/2021 1905017885 XXX XXX X                           Borrower is a Resident Alien - proof of status provided     XXX XXX XXX XXX 736 XXX Y $6.67 Self-employed   12 Business Account XXX         30 12 Month Bank Statements       23.09%           1                                                                                      0 0 XXX XXX C4 - Some minor deferred maint/normal wear and tear/minimal repairs/adequate                 XXX $761.04             $80.04     XXX   XXX XXX           XXX $761.04                       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N N Y Y N     Y Y         No   $1,516.54   6.84% XXX $1,236.55 23.093% 23.093%       No       Borrower is a First Time Home Buyer               No $1,236.55 XXX  
11/24/2021 1905018128 XXX XXX X                           Borrower is a US Citizen     XXX XXX XXX XXX 799 XXX Y $184.17 Self-employed   12 Personal Account XXX         90 12 Month Bank Statements       51.62%           1                                                                                      0 0 XXX XXX C3 - Well maintained/normal wear and tear                 XXX $465.00             $2,210.04     XXX   XXX XXX           XXX $465.00                       0 XXX Consumer Purpose XXX XXX Non-Qualified Mortgage Compliant XXX XXX   N N Y N N     Y Y         No   $1,497.75   5.96% XXX $1,174.86 51.619% 51.619%       No       Borrower has prior home ownership experience within the past 3 years         XXX     No $1,174.86 XXX Warrantable Condo
11/24/2021 1905018328 XXX XXX X                           Borrower is a US Citizen Borrower is a US Citizen   XXX XXX XXX XXX 710 XXX Y $448.00                     No Ratio Program
 No Ratio Program
         2500       1                                                                                N     0 1 XXX XXX C3 - Well maintained/normal wear and tear 2 2       30000 0.03 29100 XXX $726.12     $2,000.00   $9,235.00   $5,376.00 $436.00   XXX XXX XXX XXX XXX XXX       XXX $726.12           0 0 0       0   Business Purpose     Not covered / exempt         N N N N N   Investor Property N N         No -49.28% $2,514.66 $0.00 6.56% XXX $1,684.58           No XXX XXX 12 months / yearly Borrower has prior home ownership experience within the past 3 years Borrower has prior home ownership experience within the past 3 years             No $1,684.58   Warrantable Condo