CSMC 2022-NQM4 Trust ABS-15G

Exhibit 99.44

 

Exception Grade Detail

CSMC_2022-NQM4_FINAL

Run Date - 6/20/2022 12:30:00 PM

Loan ID

Seller Loan ID

Investor Loan ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

XXXXXXX_CSMC_2022-NQM4-1

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:18

2022-06-20 13:59

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B. - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505885

XXXXXXX_CSMC_2022-NQM4-2

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-20 10:43

2022-06-20 10:43

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-For this multi-property, the AVMs/BPOs did not the overall value and were outside tolerance. Desk reviews on all but one of the properties did fully support the appraised values. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported.. Final property grade is B.  - Due Diligence Vendor-06/20/2022

Acknowledged-For this multi-property, the AVMs/BPOs did not the overall value and were outside tolerance. Desk reviews on all but one of the properties did fully support the appraised values. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported.. Final property grade is B.  - Due Diligence Vendor-06/20/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

507904

XXXXXXX_CSMC_2022-NQM4-3

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:43

2022-06-17 09:43

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

505959

XXXXXXX_CSMC_2022-NQM4-4

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:52

2022-06-17 09:52

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505989

XXXXXXX_CSMC_2022-NQM4-5

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 09:54

2022-06-17 09:54

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and Pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505990

XXXXXXX_CSMC_2022-NQM4-6

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:26

2022-06-17 09:26

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties have a Confidence score below threshold. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported. final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties have a Confidence score below threshold. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported. final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505920

XXXXXXX_CSMC_2022-NQM4-7

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:23

2022-06-17 09:23

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-On property .001, this is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-On property .001, this is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505915

XXXXXXX_CSMC_2022-NQM4-8

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 10:45

2022-06-20 14:13

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and pending. - Due Diligence Vendor-06/20/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

506101

XXXXXXX_CSMC_2022-NQM4-9

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-20 10:48

2022-06-20 10:48

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM and BPO did not support value. Desk review is ordered and pending - Due Diligence Vendor-06/20/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

507909

XXXXXXX_CSMC_2022-NQM4-10

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:28

2022-06-17 09:28

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

505934

XXXXXXX_CSMC_2022-NQM4-11

A

D

A

A

A

A

D

A

Seller

FVAL1039

2022-06-17 10:43

2022-06-17 10:43

Open

3 - Material

D

A

Property

Missing Doc

Appraised value unsupported

Open-AVM values were supported for two of the properties. BPOs have been ordered and are pending on 2 more poreties. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

506091

XXXXXXX_CSMC_2022-NQM4-12

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 10:37

2022-06-17 10:37

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and is Pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

506085

XXXXXXX_CSMC_2022-NQM4-13

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 10:38

2022-06-17 10:38

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

506089

XXXXXXX_CSMC_2022-NQM4-14

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 10:47

2022-06-17 10:47

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

506105

XXXXXXX_CSMC_2022-NQM4-15

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:51

2022-06-17 09:51

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505984

XXXXXXX_CSMC_2022-NQM4-16

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 09:57

2022-06-17 09:57

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and Pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

505999

XXXXXXX_CSMC_2022-NQM4-17

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 09:30

2022-06-17 09:30

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. commercial BPO is ordered and pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505938

XXXXXXX_CSMC_2022-NQM4-18

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:13

2022-06-17 09:14

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged- - Due Diligence Vendor-06/17/2022 Resolved-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties required a BPO and neither supported. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported. - Due Diligence Vendor-06/17/2022

Acknowledged-  - Due Diligence Vendor-06/17/2022  Resolved-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties required a BPO and neither supported. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

505866

XXXXXXX_CSMC_2022-NQM4-19

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:44

2022-06-20 14:04

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B. - Due Diligence Vendor-06/20/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B. - Due Diligence Vendor-06/20/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

505964

XXXXXXX_CSMC_2022-NQM4-20

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 11:48

2022-06-20 14:07

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/20/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/20/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

506436

XXXXXXX_CSMC_2022-NQM4-21

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:44

2022-06-17 09:44

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505961

XXXXXXX_CSMC_2022-NQM4-23

A

D

A

A

A

A

D

A

Seller

FVAL1039

2022-06-17 11:39

2022-06-17 11:39

Open

3 - Material

D

A

Property

Missing Doc

Appraised value unsupported

Open-AVMs did not support values. BPOs ordered and pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

506371

XXXXXXX_CSMC_2022-NQM4-24

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 10:49

2022-06-17 10:49

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties was below the Confidence score threshold. Values were still within tolerance so general finding is that overall property value is supported.  - Due Diligence Vendor-06/17/2022

Acknowledged-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties was below the Confidence score threshold. Values were still within tolerance so general finding is that overall property value is supported.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

506131

XXXXXXX_CSMC_2022-NQM4-26

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-20 13:57

2022-06-20 13:57

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and pending. - Due Diligence Vendor-06/20/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

508034

XXXXXXX_CSMC_2022-NQM4-27

A

A

A

A

A

A

A

A

Closed

FVAL1039

2022-06-17 10:41

2022-06-17 11:31

Resolved

1 - Information

A

A

Property

Missing Doc

Appraised value unsupported

Resolved-Desk review supported Values findings are resolved. - Due Diligence Vendor-06/17/2022 Open-AVM values on this multi-property loan were supported for four of the properties however .001 and .002 did not support nor did BPO value support. Desk reviews have been ordered and are pending. - Due Diligence Vendor-06/17/2022

Resolved-Desk review supported Values findings are resolved. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

506090

XXXXXXX_CSMC_2022-NQM4-28

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 09:50

2022-06-17 09:50

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505981

XXXXXXX_CSMC_2022-NQM4-30

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 09:42

2022-06-17 09:42

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value. BPO is ordered and Pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

505951

XXXXXXX_CSMC_2022-NQM4-31

A

D

A

A

A

A

D

D

Seller

FVAL1039

2022-06-17 09:34

2022-06-17 09:34

Open

3 - Material

D

D

Property

Missing Doc

Appraised value unsupported

Open-AVMs on five of the properties were not supported. BPOs have been ordered and are pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505940

XXXXXXX_CSMC_2022-NQM4-33

A

D

A

A

A

A

D

A

Seller

FVAL1039

2022-06-17 10:59

2022-06-17 10:59

Open

3 - Material

D

A

Property

Missing Doc

Appraised value unsupported

Open-AVM did not support value on property.002. BPO is ordered and pending. - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

506160

XXXXXXX_CSMC_2022-NQM4-36

A

B

A

A

A

A

B

B

Closed

FVAL1039

2022-06-17 11:00

2022-06-17 11:36

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-Desk review does support value on property. - Due Diligence Vendor-06/17/2022 Acknowledged-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties required a BPO and BPO was below support tolerance. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-Desk review does support value on property. - Due Diligence Vendor-06/17/2022  Acknowledged-For this multi-property, the AVMs supported the overall value and were within tolerance. A number were well above and included confidence scores in excess of 80, however 1 of the properties required a BPO and BPO was below support tolerance. If we remove that property the LTV is still within tolerance so general finding is that overall property value is supported. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

506163

XXXXXXX_CSMC_2022-NQM4-37

B

B

B

A

A

A

B

B

Closed

FVAL1039

2022-06-17 09:31

2022-06-17 09:31

Acknowledged

2 - Non-Material

B

B

Property

Missing Doc

Appraised value unsupported

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

Acknowledged-This is a single property multi-door residential property. We used a commercial AVM and no Confidence score is available. However property value was supported by comps and is within tolerance. Final property grade is a B.  - Due Diligence Vendor-06/17/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

505939