CSMC 2022-NQM5 Trust ABS-15G

Exhibit 99.38

Loan ID

Lender Application Date

Originator QM Status

General QM

Originator QM Status Difference than Final QM Status?

Reason Why NonQM Final Status

APR Pricing Threshold Exceeded?

QM DTI Threshold Exceeded?

Higher Priced Mortgage Loan (HPML)?

Negatively Amortizing Loan?

Principal Deferment?

Interest Only Flag?

Prepayment Penalty?

Balloon Flag?

Adjustable Rate Balloon?

Loan Term Less Than 5 Years?

QM Points and Fees Threshold Exceeded?

QM Total Points and Fees

APR

ATR: Qualifying Payment Properly Considered?

ATR: Current Employment/Self-Employment Verified?

ATR: Balloon Qualifying Payment Properly Considered?

ATR: Reasonable Income or Assets Considered?

ATR: Subject PITIA Adequately Documented?

ATR: All Liabilities Including Alimony and Child Support in DTI?

ATR: Simultaneous Loan Calculated Properly

ATR: Credit History was Considered Properly?

ATR: Did Lender Document All ATR Factors?

ATR: Was an ATR/QM Residual Income Analysis Provided?

Residual Income

Residual Income Meets Guidelines?

Borrower 1 Employment Indicator

Borrower 2 Employment Indicator

Borrower 1 Foreign National Indicator

Borrower 2 Foreign National Indicator

Business Purpose Loan?

Business Purpose Verified?

2000059212

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

Yes,Points and fees exceed the threshold

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000059257

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

Y

Y

2000059331

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

Y

Y

2000059769

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

No

XXXXX

4.193

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060283

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

No

XXXXX

4.255

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000059760

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

2nd home

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000058635

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060785

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

Y

Y

2000059782

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060602

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

Yes,Points and fees exceed the threshold

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060171

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060142

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

No

XXXXX

4.125

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060506

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

No

XXXXX

3.686

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060611

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

No

XXXXX

3.696

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060817

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

1100205281

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

Y

Y

2000060537

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

Yes,Points and fees exceed the threshold

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000059957

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

Y

Y

1000800402

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

Y

Y

2000059803

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

No

XXXXX

5.916

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000061034

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060545

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060898

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

Yes,Points and fees exceed the threshold

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060979

XXXX

N/A

N/A

No

Investment Property

N

N

N

N

N

N

N

N

N

N

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060738

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060733

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000061255

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060998

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

No

Loan amount over conforming limit

N

N

N

N

N

N

N

N

N

N

No

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A

2000060660

XXXX

N/A

Non-QM: Lender documented all ATR UW factors

Yes

N

N

N

N

N

N

N

N

N

N

Yes,Points and fees exceed the threshold

XXXXX

4.3

Y

Y

N/A

Y

Y

Y

N/A

Y

N

N

N

Y

Employed

N/A

N/A