EX-99.40 41 ex99-40.htm MISSION SUPPLEMENTAL DATA EXTRACT
 

CSMC 2022-NQM5 Trust ABS-15G

 

Exhibit 99.40

 

 

Supplemental Data  
CSMC_2022-NQM5_FINAL        
Run Date - 7/14/2022 12:30:00 PM
Loan ID Customer Loan ID Seller Loan ID TILA Status Application Date TRID GSE HOEPA Fees TILA Fees Rate Lock Date Qualifying P&I Qualifying Rate Is Borrower Non Occupant Borrower Originator Citizenship Designation Borrower Verified Citizenship Designation Borrower Individual Tax Identification Number (ITIN)?
Borrower Photo Identification Type Borrower Photo Identification Other Type Borrower Photo ID State of Issuance Borrower Photo ID Country of Issuance Borrower Photo ID Expiration Date Borrower Passport Country of Origin Is Co Borrower Non Occupant Borrower Passport Expiration Date Borrower Non-US Citizen Identification Document Borrower Date of Resident Since/Valid Date Borrower Non-US Document Expiration Date Co Borrower Originator Citizenship Designation  Co Borrower Verified Citizenship Designation Co Borrower Individual Tax Identification Number (ITIN)? Co Borrower Photo Identification Type Co Borrower Photo Identification Other Type  Co Borrower Photo ID State of Issuance Borrower Employment Indicator Co Borrower Photo ID Country of Issuance Co Borrower Photo ID Expiration Date Co Borrower Passport Country of Origin Co Borrower Passport Expiration Date Co Borrower Non-US Citizen Identification Document Co Borrower Date of Resident Since/Valid Date Co Borrower Non-US Document Expiration Date Co Borrower 2 Originator Citizenship Designation  Co Borrower 2 Verified Citizenship Designation Co Borrower 2 Individual Tax Identification Number (ITIN)? Co Borrower Employment Indicator Co Borrower 2 Photo Identification Type Co Borrower 2 Photo Identification Other Type  Co Borrower 2 Photo ID State of Issuance Co Borrower 2 Photo ID Country of Issuance Co Borrower 2 Photo ID Expiration Date Co Borrower 2 Passport Country of Origin Co Borrower 2 Passport Expiration Date Co Borrower 2 Non-US Citizen Identification Document Co Borrower 2 Date of Resident Since/Valid Date Co Borrower 2 Non-US Document Expiration Date Co Borrower 2 Employment Indicator Co Borrower 3 Originator Citizenship Designation  Co Borrower 3 Verified Citizenship Designation Co Borrower 3 Individual Tax Identification Number (ITIN)? Co Borrower 3 Photo Identification Type Co Borrower 3 Photo Identification Other Type  Co Borrower 3 Photo ID State of Issuance Co Borrower 3 Photo ID Country of Issuance Co Borrower 3 Photo ID Expiration Date Co Borrower 3 Passport Country of Origin Co Borrower 3 Passport Expiration Date Co Borrower 3 Employment Indicator Co Borrower 3 Non-US Citizen Identification Document Co Borrower 3 Date of Resident Since/Valid Date Co Borrower 3 Non-US Document Expiration Date Co Borrower2 Length of Employment Co Borrower3 Length of Employment Borrower Citizenship Indicator Co Borrower Citizenship Indicator Co Borrower 2 Citizenship Indicator Co Borrower 3 Citizenship Indicator Borrower Country Name Co Borrower Country Name Co Borrower 2 Country Name Co Borrower 3 Country Name Residual Income Num Units Annual Property Tax Annual Insurance Costs HOA Name HOA Address State HOA Fee Amount HOA Next Due Date HOA Payment Frequency Verified DTI QM DTI Third Wage Earner Original FICO Equifax Third Wage Earner Original FICO Experian Third Wage Earner Original FICO Transunion Fourth Wage Earner Original FICO Equifax Fourth Wage Earner Original FICO Experian Fourth Wage Earner Original FICO Transunion Third Wage Earner Updated FICO Equifax Third Wage Earner Updated FICO Experian Third Wage Earner Updated FICO Transunion Fourth Wage Earner Updated FICO Equifax Fourth Wage Earner Updated FICO Experian Fourth Wage Earner Updated FICO Transunion Most Recent Updated Co Borrower 2 FICO Most Recent Updated Co Borrower 3 FICO Co Borrower 2 Asset Verification Level Co Borrower 3 Asset Verification Level Co Borrower 2 Income Verification Level Co Borrower 3 Income Verification Level Co Borrower 2 Employment Verification Level Co Borrower 3 Employment Verification Level Asset Depletion Flag Bank Statements Flag Number of Statements Type of Statements Percent of Income From Statements Months of Personal Bank Statements Months of Business Bank Statements Months of Profit and Loss Statements Borrower Business Ownership % CoBorrower Business Ownership % P&L Type CPA Letter Flag # of Months CPA verified income WVOE Flag # of Months WVOE DSCR Income Doc Detail Document Level Borrower Years of W2s CoBorrower Years of W2s Years of Personal Tax Returns Years of Business Tax Returns Years of 4506T Years of Tax Transcripts Tax Return Doc Details Most Recent Bankruptcy Type Most Recent Bankruptcy Filing Date Most Recent Bankruptcy Discharge Date Number of Bankruptcy Events Months Bankruptcy 7 11  Months Bankruptcy 13  Most Recent Deed in Lieu Date Number of Deed in Lieu Events Months Deed in Lieu Most Recent Short Sale Date Number of Short Sale Events Months Short Sale (or Pre FC)  Most Recent Foreclosure Date Number of Foreclosure Events Months Foreclosure Prior Mortgage/Rent Late 30d in 24m  Prior Mortgage/Rent Late 60d in 24m  Prior Mortgage/Rent Late 90d in 24m  Guideline Name UW Guideline Author QM Regulation Failures ATR QM Total Points and Fees Audit Loan Regulation Benchmark Date Benchmark Rate HUD 1 Page 1 Credits Total AUS Decision System Rating Result Property Inspection Waiver (PIW) Subordinate Lien Type Is Shared Appreciation Mortgage Is Equity Shared Loan
XXXXXXX_CSMC_2022-NQM5-1 [redacted] ATR/QM: Exempt [redacted] No No $4,999.00 [redacted] $2,398.20 6.000% Yes Yes US Citizen US Citizen [redacted] [redacted] 21 [redacted] $0.00 GA $0.00 0.00% 0.00% 0 0 No No 0 NA No 4.65 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-2 [redacted] ATR/QM: Exempt [redacted] No No $7,299.00 [redacted] $2,921.23 4.750% Yes US Citizen [redacted] 9 [redacted] $5,114.04 CA $0.00 0.00% 0.00% 0 0 No No 0 NA No 3.45 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-3 [redacted] ATR/QM: Exempt [redacted] No No $11,149.00 [redacted] $2,429.31 4.625% Yes Yes US Citizen US Citizen [redacted] [redacted] 6 [redacted] $0.00 FL $0.00 0.00% 0.00% 0 0 No No 0 NA No 1.47 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-4 [redacted] ATR/QM: Exempt [redacted] No No $5,419.00 [redacted] $2,295.29 7.000% Yes US Citizen [redacted] [redacted] $0.00 NC $0.00 0.00% 0.00% 0 0 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 2.4 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-5 [redacted] ATR/QM: Exempt [redacted] No No $7,630.00 [redacted] $1,779.95 4.375% Yes Foreign National [redacted] 4 [redacted] $0.00 FL $2,285.00 0.00% 0.00% 0 0 No No 0 NA No 1.47 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-6 [redacted] ATR/QM: Exempt [redacted] No No $38,499.00 [redacted] $12,667.13 4.500% Yes US Citizen [redacted] 22 [redacted] $0.00 CA $0.00 0.00% 0.00% 0 0 No No 0 NA No 1.94 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-7 [redacted] ATR/QM: Exempt [redacted] No No $24,774.00 [redacted] $4,473.32 4.125% Yes Yes US Citizen US Citizen [redacted] [redacted] 3 [redacted] $0.00 WA $1,101.12 0.00% 0.00% 0 0 No No 0 NA No 0.97 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-8 [redacted] ATR/QM: Exempt [redacted] No No $7,339.00 [redacted] $2,942.09 4.750% Yes US Citizen [redacted] 6 [redacted] $0.00 TX $0.00 0.00% 0.00% 0 0 No No 0 NA No 1.54 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-9 [redacted] ATR/QM: Exempt [redacted] No No $22,898.45 [redacted] $9,960.58 5.625% Yes US Citizen [redacted] 21 [redacted] $0.00 FL $0.00 0.00% 0.00% 0 0 No No 0 NA No 1.48 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-10 [redacted] ATR/QM: Exempt [redacted] No No $15,008.44 [redacted] $3,303.79 7.500% Yes US Citizen [redacted] 1 [redacted] $5,160.60 [redacted] FL $209.00 Monthly 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-11 [redacted] ATR/QM: Exempt [redacted] No No $7,920.50 [redacted] $3,058.25 5.875% Yes US Citizen [redacted] 1 [redacted] $0.00 [redacted] AZ $983.00 Monthly 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-12 [redacted] ATR/QM: Exempt [redacted] No No $18,811.00 [redacted] $2,673.10 3.750% Yes Yes Employed Employed US Citizen US Citizen [redacted] [redacted] 2 [redacted] $939.00 NY 0.00% 0.00% No No 0 NA No 1.310 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-13 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 16540 $19,494.89 [redacted] $5,172.63 5.125% No Employed US Citizen [redacted] $22,900.92 1 [redacted] $669.00 CA 26.15% 26.15% No No 0 0.00% 0.00% NA Yes 348 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 16540 [redacted] 3.200% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-14 [redacted] ATR/QM: Exempt [redacted] No No $16,793.50 [redacted] $4,110.81 3.875% Yes Yes Non Permanent Resident Alien Non Permanent Resident Alien [redacted] [redacted] 1 [redacted] $3,342.96 FL 0.00% 0.00% No No 0 NA No 0.480 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-15 [redacted] ATR/QM: Exempt [redacted] No No $1,495.00 [redacted] $2,566.55 6.125% Yes Foreign National [redacted] 1 [redacted] $3,792.96 [redacted] FL $95.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-16 [redacted] ATR/QM: Exempt [redacted] No No $15,438.00 [redacted] $1,953.64 5.990% Yes Foreign National [redacted] 1 [redacted] $2,966.04 [redacted] FL $365.00 20211119 0.00% 0.00% No No 0 NA No 0.810 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-17 [redacted] ATR/QM: Exempt [redacted] No No $4,076.00 [redacted] $649.13 6.500% Yes US Citizen [redacted] 1 [redacted] $590.04 [redacted] FL $607.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-18 [redacted] ATR/QM: Exempt [redacted] No No $6,775.00 [redacted] $1,800.95 7.250% Yes US Citizen [redacted] 1 [redacted] $1,721.04 FL 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-19 [redacted] ATR/QM: Exempt [redacted] No No $35,072.00 [redacted] $10,940.18 6.375% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $8,185.20 [redacted] CA $1,150.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-20 [redacted] ATR/QM: Exempt [redacted] No No $8,378.84 [redacted] $1,956.22 5.875% Yes Yes Permanent Resident Alien Permanent Resident Alien [redacted] [redacted] 1 [redacted] $1,726.08 [redacted] FL $390.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-21 [redacted] ATR/QM: Exempt [redacted] No No $12,349.00 [redacted] $2,743.99 6.875% Yes Permanent Resident Alien [redacted] 1 [redacted] $4,113.96 FL 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-22 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7415 $2,183.50 [redacted] $1,737.43 5.500% No No Self-Employed Employed US Citizen US Citizen [redacted] [redacted] 1 [redacted] $3,285.96 [redacted] FL $235.00 30.01% 30.01% No Yes 12 Personal 100.00% 12 100.00% NA No 0.000 Borrower - Wage - 12 Personal Bank Statements Verified || Co Borrower - Wage - Missing W2 1099 Verified, Missing Paystubs Verified, 6 Personal Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 7415 [redacted] 3.160% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-23 [redacted] ATR/QM: Exempt [redacted] No No $8,377.50 [redacted] $1,330.96 5.875% Yes Foreign National [redacted] 1 [redacted] $942.96 [redacted] FL $200.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-24 [redacted] ATR/QM: Exempt [redacted] No No $7,252.50 [redacted] $1,094.18 6.750% Yes US Citizen [redacted] 1 [redacted] $2,502.00 TN 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-25 [redacted] ATR/QM: Exempt [redacted] No No $11,370.00 [redacted] $1,944.51 6.875% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $1,572.96 FL 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-26 [redacted] ATR/QM: Exempt [redacted] No No $1,495.00 [redacted] $2,181.00 6.875% Yes Yes Non Permanent Resident Alien Non Permanent Resident Alien [redacted] [redacted] 1 [redacted] $885.00 [redacted] FL $450.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-27 [redacted] ATR/QM: Exempt [redacted] No No $10,053.00 [redacted] $1,840.87 5.875% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $1,023.00 [redacted] FL $416.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-28 [redacted] ATR/QM: Exempt [redacted] No No $6,394.00 [redacted] $1,389.30 6.750% Yes US Citizen [redacted] 1 [redacted] $441.00 CA 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted] 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-29 [redacted] ATR/QM: Exempt [redacted] No No $4,895.00 [redacted] $1,011.44 6.000% Yes US Citizen [redacted] 1 [redacted] $578.16 TX 0.00% 0.00% No No 0 NA No 1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-30 [redacted] ATR/QM: Exempt [redacted] No No $12,689.00 [redacted] $2,090.18 6.125% Yes Foreign National [redacted] 1 [redacted] $1,460.04 [redacted] FL $332.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-31 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No $12,425.63 [redacted] $2,694.07 5.625% Yes Employed US Citizen [redacted] 1 [redacted] $1,298.28 [redacted] FL $1,259.00 46.11% 46.11% No No 0 0.00% 100.00% NA Yes 34 0.000 Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Lease Agreements Verified Full Doc 2 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-32 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No $9,540.27 [redacted] $3,320.45 8.125% Yes Self-Employed US Citizen [redacted] 1 [redacted] $978.00 [redacted] NC $50.00 47.69% 47.69% No No 0 0.00% 100.00% NA No 0.000 Borrower - SESoleProprietor - 2 YRS W2 1099 Verified W2/1099 Verified 2 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 5767 [redacted] 3.160% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-33 [redacted] ATR/QM: Exempt [redacted] No No $5,207.50 [redacted] $989.26 6.000% Yes US Citizen [redacted] 1 [redacted] $762.96 [redacted] WA $500.00 0.00% 0.00% No No 0 NA No 0.740 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-34 [redacted] ATR/QM: Exempt [redacted] No No $2,535.50 [redacted] $2,874.59 7.375% Yes Permanent Resident Alien [redacted] 1 [redacted] $2,109.00 NY 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-35 [redacted] ATR/QM: Exempt [redacted] No No $5,277.00 [redacted] $2,403.15 7.625% Yes US Citizen [redacted] 1 [redacted] $2,377.08 [redacted] NV $87.50 20220201 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-36 [redacted] ATR/QM: Exempt [redacted] No No $6,827.50 [redacted] $1,987.03 6.375% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $1,904.04 [redacted] FL $378.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-37 [redacted] ATR/QM: Exempt [redacted] No No $13,340.00 [redacted] $1,289.89 5.125% Yes Foreign National [redacted] 1 [redacted] $618.96 [redacted] FL $585.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-38 [redacted] ATR/QM: Exempt [redacted] No No $7,480.00 [redacted] $1,148.43 5.625% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $1,091.04 [redacted] FL $106.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-39 [redacted] ATR/QM: Exempt [redacted] No No $10,955.00 [redacted] $2,701.36 6.375% Yes Foreign National [redacted] 1 [redacted] $888.24 [redacted] FL $1,147.00 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-40 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6649 $2,325.56 [redacted] $1,583.55 5.875% No Self-Employed US Citizen [redacted] 1 [redacted] $2,659.80 FL 43.92% 43.92% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No Yes 12 Business 100.00% 12 NA No 0.000 Borrower - SESCorp - null Business Tax Returns Verified, 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 Borrower - null Business Tax Returns Verified 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 6649 [redacted] 3.160% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-41 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10291 $4,461.67 [redacted] $927.53 3.000% No Self-Employed US Citizen [redacted] $5,039.32 1 [redacted] $1,136.52 CA 36.72% 36.72% No No 0 0.00% 33 100.00% Borrower Prepared Yes 24 No 0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified Business P&L 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 10291 [redacted] 3.170% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-42 [redacted] ATR/QM: Exempt [redacted] No No $7,367.00 [redacted] $1,598.61 5.125% Yes Foreign National [redacted] 1 [redacted] $849.00 [redacted] FL $297.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-43 [redacted] ATR/QM: Exempt [redacted] No No $8,340.00 [redacted] $1,137.97 5.750% Yes US Citizen [redacted] 1 [redacted] $1,887.00 NJ 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower [redacted] [redacted] [redacted] [redacted] [redacted] 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-44 [redacted] ATR/QM: Exempt [redacted] No No $5,879.50 [redacted] $540.77 3.875% Yes US Citizen [redacted] 1 [redacted] $1,542.60 TX 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 1.640 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-45 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10095 $1,612.78 [redacted] $2,613.59 8.125% No Self-Employed Permanent Resident Alien [redacted] $6,479.32 1 [redacted] $924.12 NJ 45.97% 45.97% No Yes 26 Business 0.00% 26 100.00% NA No 0.000 Borrower - SESoleProprietor - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 10095 [redacted] 3.100% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-46 [redacted] ATR/QM: Exempt [redacted] No No $8,390.00 [redacted] $1,531.18 6.125% Yes Non Permanent Resident Alien [redacted] 1 [redacted] $1,674.96 [redacted] FL $42.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-47 [redacted] ATR/QM: Exempt [redacted] No No $7,800.00 [redacted] $1,089.82 6.250% Yes Foreign National [redacted] 1 [redacted] $1,104.00 [redacted] FL $686.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-48 [redacted] ATR/QM: Exempt [redacted] No No $6,932.50 [redacted] $1,007.28 3.750% Yes US Citizen [redacted] 1 [redacted] $2,064.96 FL 0.00% 0.00% No No 0 NA No 1.140 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-49 [redacted] ATR/QM: Exempt [redacted] No No $11,935.00 [redacted] $2,055.65 6.375% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $3,533.04 [redacted] FL $391.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-50 [redacted] ATR/QM: Exempt [redacted] No No $3,495.00 [redacted] $477.42 4.000% Yes US Citizen [redacted] 1 [redacted] $0.00 [redacted] NV $256.00 0.00% 0.00% No No 0 NA No 1.410 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-51 [redacted] ATR/QM: Exempt [redacted] No No $11,956.00 [redacted] $1,614.88 3.750% Yes US Citizen [redacted] 3 [redacted] $1,668.00 CA 0.00% 0.00% No No 0 NA No 1.610 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-52 [redacted] ATR/QM: Exempt [redacted] No No $9,297.00 [redacted] $1,312.44 6.125% Yes US Citizen [redacted] 1 [redacted] $681.00 [redacted] FL $481.00 20220201 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-53 [redacted] ATR/QM: Exempt [redacted] No No $4,920.00 [redacted] $527.95 3.750% Yes US Citizen [redacted] 1 [redacted] $1,410.00 TX 0.00% 0.00% No No 0 NA No 1.770 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-54 [redacted] ATR/QM: Exempt [redacted] No No $5,267.92 [redacted] $1,280.62 6.625% Yes Foreign National [redacted] 1 [redacted] $548.04 [redacted] ID $12.50 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-55 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12563.75 $3,383.75 [redacted] $2,293.28 6.000% No No Self-Employed Self-Employed US Citizen US Citizen [redacted] [redacted] $18,742.62 1 [redacted] $972.00 GA $50.00 17.15% 17.15% No Yes 24 Business 200.00% 24 50.00% NA No 0.000 Borrower - 24 Months Business Bank Statements Verified || Co Borrower - 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 12563.75 [redacted] 3.170% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-56 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9990 $3,245.00 [redacted] $1,458.33 4.375% No No Employed Employed US Citizen US Citizen [redacted] [redacted] 1 [redacted] $2,844.96 [redacted] FL $1,913.00 48.16% 50.81% No No 0 0.00% 0.00% NA Yes 24 0.000 Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified || Co Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified Full Doc 1 1 0 0 0 0 Borrower || Co Borrower [redacted] [redacted] [redacted] [redacted] [redacted] 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 9990 [redacted] 3.280% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-57 [redacted] ATR/QM: Exempt [redacted] No No $6,965.00 [redacted] $1,031.96 4.875% Yes Foreign National [redacted] 1 [redacted] $948.96 [redacted] FL $115.00 20220201 0.00% 0.00% No No 0 NA No 1.310 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-58 [redacted] ATR/QM: Exempt [redacted] No No $1,495.00 [redacted] $1,867.60 6.000% Yes Foreign National [redacted] 1 [redacted] $375.00 [redacted] UT $822.00 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-59 [redacted] ATR/QM: Exempt [redacted] No No $16,956.33 [redacted] $567.79 5.500% Yes US Citizen [redacted] 1 [redacted] $905.04 [redacted] SC $492.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-60 [redacted] ATR/QM: Exempt [redacted] No No $9,140.00 [redacted] $694.67 3.750% Yes US Citizen [redacted] 1 [redacted] $540.00 [redacted] NV $85.00 0.00% 0.00% No No 0 NA No 1.060 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-61 [redacted] ATR/QM: Exempt [redacted] No No $5,310.00 [redacted] $2,667.50 7.500% Yes US Citizen [redacted] 1 [redacted] $1,978.80 NJ 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-62 [redacted] ATR/QM: Exempt [redacted] No No $12,213.75 [redacted] $1,620.90 3.750% Yes Foreign National [redacted] 1 [redacted] $801.96 CA 0.00% 0.00% No No 0 NA No 1.730 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-63 [redacted] ATR/QM: Exempt [redacted] No No $2,545.00 [redacted] $599.14 4.375% Yes US Citizen [redacted] 1 [redacted] $832.44 [redacted] GA $88.00 20220131 0.00% 0.00% No No 0 NA No 1.650 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-64 [redacted] ATR/QM: Exempt [redacted] No No $11,125.00 [redacted] $1,785.74 4.250% Yes US Citizen [redacted] 1 [redacted] $1,722.96 NC 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.890 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-65 [redacted] ATR/QM: Exempt [redacted] No No $1,495.00 [redacted] $2,433.09 6.375% Yes US Citizen [redacted] 2 [redacted] $1,107.00 CA 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-66 [redacted] ATR/QM: Exempt [redacted] No No $12,463.75 [redacted] $2,257.69 3.750% Yes US Citizen [redacted] 1 [redacted] $1,113.12 [redacted] CA $98.00 0.00% 0.00% 0 No No 0 NA No 1.020 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-67 [redacted] ATR/QM: Exempt [redacted] No No $9,035.00 [redacted] $1,090.95 3.875% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $867.00 NY 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-68 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7149 $2,569.09 [redacted] $1,457.59 5.125% No No Self-Employed Self-Employed US Citizen US Citizen [redacted] [redacted] 1 [redacted] $891.96 [redacted] TX $55.42 40.01% 40.01% No Yes 24 Personal 100.00% 24 0.00% NA No 0.000 Borrower - 24 Months Personal Bank Statements Verified || Co Borrower 24 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 7149 [redacted] 3.610% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-69 [redacted] ATR/QM: Exempt [redacted] No No $26,112.50 [redacted] $4,457.49 3.750% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $1,437.00 CA 0.00% 0.00% No No 0 NA No 0.840 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-70 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9010 $2,590.00 [redacted] $1,566.24 7.500% No Self-Employed US Citizen [redacted] 1 [redacted] $1,787.52 GA 14.02% 14.02% No Yes 12 Business 0.00% 12 100.00% Yes 12 No 0.000 Borrower - SESoleProprietor - CPA Letter Verified, 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 9010 [redacted] 3.610% Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-71 [redacted] ATR/QM: Exempt [redacted] No No $2,495.00 [redacted] $656.93 6.875% Yes US Citizen [redacted] 2 [redacted] $459.96 CA 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-72 [redacted] ATR/QM: Exempt [redacted] No No $8,320.00 [redacted] $2,989.03 6.875% Yes Foreign National [redacted] 1 [redacted] $2,628.00 FL 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-73 [redacted] ATR/QM: Exempt [redacted] No No $14,075.75 [redacted] $2,118.75 3.750% Yes Yes US Citizen US Citizen US Citizen [redacted] [redacted] [redacted] 1 [redacted] $1,091.04 NV 0.00% 0.00% 817 795 812 812 1 - Not Stated Not Verified No No 0 NA No 1.060 Borrower || Co Borrower || Co Borrower 2 Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower || Co Borrower 2 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-74 [redacted] ATR/QM: Exempt [redacted] No No $6,577.60 [redacted] $791.44 7.500% Yes US Citizen [redacted] 2 [redacted] $2,567.04 AL 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-75 [redacted] ATR/QM: Exempt [redacted] No No $105,645.00 [redacted] $8,890.70 4.875% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $3,207.36 [redacted] FL $377.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-76 [redacted] ATR/QM: Exempt [redacted] No No $16,402.00 [redacted] $2,065.46 5.625% Yes Foreign National [redacted] 1 [redacted] $2,169.00 [redacted] FL $196.94 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-77 [redacted] ATR/QM: Exempt [redacted] No No $12,595.62 [redacted] $1,017.21 4.750% Yes Foreign National [redacted] 1 [redacted] $1,503.00 CT 0.00% 0.00% No No 0 NA No 1.510 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-78 [redacted] ATR/QM: Exempt [redacted] No No $11,251.00 [redacted] $2,259.08 3.750% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $179.04 [redacted] HI $328.00 0.00% 0.00% No No 0 NA No 0.800 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-79 [redacted] ATR/QM: Exempt [redacted] No No $7,240.50 [redacted] $1,698.90 5.875% Yes US Citizen [redacted] 1 [redacted] $957.96 SC 0.00% 0.00% No No 0 NA No 1.240 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-80 [redacted] ATR/QM: Exempt [redacted] No No $9,659.00 [redacted] $1,567.16 6.375% Yes Foreign National [redacted] 2 [redacted] $2,014.44 CA 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-81 [redacted] ATR/QM: Exempt [redacted] No No $8,491.88 [redacted] $2,674.49 3.750% Yes Employed Permanent Resident Alien [redacted] 1 [redacted] $636.00 CA 0.00% 0.00% 3 - Verified<2Mos 3 - Verified<2Mos No No 0 NA No 1.980 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-82 [redacted] ATR/QM: Exempt [redacted] No No $8,450.00 [redacted] $1,466.67 5.500% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $867.00 OR 0.00% 0.00% No No 0 NA No 1.110 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-83 [redacted] ATR/QM: Exempt [redacted] No No $6,032.50 [redacted] $1,083.93 6.875% Yes Foreign National [redacted] 1 [redacted] $1,224.00 [redacted] FL $275.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-84 [redacted] ATR/QM: Exempt [redacted] No No $15,303.25 [redacted] $1,696.45 5.750% Yes Foreign National [redacted] 1 [redacted] $849.96 [redacted] FL $503.00 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-85 [redacted] ATR/QM: Exempt [redacted] No No $5,470.00 [redacted] $1,246.13 3.875% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $879.72 [redacted] CA $130.00 20220401 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 1.090 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-86 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 36490 $9,651.36 [redacted] $8,868.00 4.750% No No Self-Employed Not Employed US Citizen US Citizen [redacted] [redacted] 1 [redacted] $2,595.00 [redacted] NV $595.00 49.12% 49.12% No Yes 12 Personal 100.00% 12 100.00% NA No 0.000 Borrower - Personal Bank Statements Verified || Co Borrower 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 36490 [redacted] 3.990% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-87 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7595 $3,133.25 [redacted] $1,905.15 4.875% No No Not Employed Employed US Citizen US Citizen [redacted] [redacted] 1 [redacted] $868.44 [redacted] FL $966.00 27.48% 27.48% No No 0 0.00% 0.00% NA No 36 0.000 Borrower - Wage || Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 0 2 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 7595 [redacted] 3.830% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-88 [redacted] ATR/QM: Exempt [redacted] No No $10,560.00 [redacted] $3,600.94 5.750% Yes US Citizen [redacted] 1 [redacted] $1,580.04 CA 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.380 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-89 [redacted] ATR/QM: Exempt [redacted] No No $15,090.00 [redacted] $5,746.25 3.625% Yes US Citizen [redacted] 4 [redacted] $2,055.96 CA 0.00% 0.00% No No 0 NA No 1.990 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-90 [redacted] ATR/QM: Exempt [redacted] No No $20,565.00 [redacted] $1,373.09 3.875% Yes US Citizen [redacted] 1 [redacted] $1,611.96 FL 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-91 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8290 $10,235.33 [redacted] $2,147.29 5.000% No Self-Employed Permanent Resident Alien [redacted] 1 [redacted] $1,425.72 [redacted] TX $16.67 23.97% 23.97% No Yes 12 Business 100.00% 12 100.00% Yes 48 No 0.000 Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 8290 [redacted] 3.960% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-92 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11803.75 $16,727.54 [redacted] $7,455.52 10.125% No Employed US Citizen [redacted] 1 [redacted] $3,957.96 [redacted] NV $194.00 47.65% 47.65% No No 0 0.00% 0.00% NA Yes 26 0.000 Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 11803.75 [redacted] 3.830% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-93 [redacted] ATR/QM: Exempt [redacted] No No $17,600.00 [redacted] $1,725.83 5.375% Yes US Citizen [redacted] 1 [redacted] $455.04 [redacted] CA $344.93 20220401 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-94 [redacted] ATR/QM: Exempt [redacted] No No $11,115.00 [redacted] $4,671.88 6.500% Yes US Citizen [redacted] 1 [redacted] $1,716.96 CA 0.00% 0.00% 1 - Not Stated Not Verified 1 - Not Stated Not Verified No No 0 NA No 0.760 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-95 [redacted] ATR/QM: Exempt [redacted] No No $9,555.00 [redacted] $1,960.80 5.750% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $1,671.12 [redacted] FL $517.00 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-96 [redacted] ATR/QM: Exempt [redacted] No No $9,198.00 [redacted] $860.68 5.375% Yes Permanent Resident Alien [redacted] 1 [redacted] $2,187.00 LA 0.00% 0.00% No No 0 NA No 0.970 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-97 [redacted] ATR/QM: Exempt [redacted] No No $6,490.63 [redacted] $1,449.53 5.250% Yes Yes US Citizen US Citizen [redacted] [redacted] 1 [redacted] $738.96 MD 0.00% 0.00% No No 0 NA No 1.180 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-98 [redacted] ATR/QM: Exempt [redacted] No No $19,495.00 [redacted] $3,313.22 5.250% Yes US Citizen [redacted] 3 [redacted] $3,968.04 NY 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-99 [redacted] ATR/QM: Exempt [redacted] No No $10,950.00 [redacted] $1,883.98 4.875% Yes US Citizen [redacted] 1 [redacted] $369.00 [redacted] HI $582.00 20220315 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-100 [redacted] ATR/QM: Exempt [redacted] No No $9,470.00 [redacted] $2,135.69 5.625% Yes US Citizen [redacted] 1 [redacted] $3,737.88 [redacted] FL $843.00 0.00% 0.00% No No 0 NA No 1.160 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-101 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11890 $1,905.56 [redacted] $3,008.60 3.500% No Self-Employed US Citizen [redacted] 1 [redacted] $1,706.04 [redacted] CA $58.33 24.26% 24.26% No Yes 12 Business 100.00% 12 100.00% NA No 0.000 Borrower - SEPartnership - Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 11890 [redacted] 3.920% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-102 [redacted] ATR/QM: Exempt [redacted] No No $6,345.12 [redacted] $931.57 5.250% Yes US Citizen [redacted] 1 [redacted] $1,523.04 [redacted] TX $37.92 0.00% 0.00% No No 0 NA No 0.830 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-103 [redacted] Non-QM: Lender documented all ATR UW factors [redacted] Yes No 14771.25 $15,501.22 [redacted] $1,889.96 5.875% No Employed US Citizen [redacted] 1 [redacted] $719.04 CA 36.57% 36.57% No No 0 100.00% 100.00% NA Yes 24 0.000 Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified Full Doc 2 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation 14771.25 [redacted] 3.920% Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-104 [redacted] ATR/QM: Exempt [redacted] No No $5,125.00 [redacted] $1,868.40 6.125% Yes Non Permanent Resident Alien [redacted] 1 [redacted] $1,546.08 TX 0.00% 0.00% No No 0 NA No 0.000 Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-105 [redacted] ATR/QM: Exempt [redacted] No No $13,894.25 [redacted] $2,149.48 6.250% Yes US Citizen [redacted] 1 [redacted] $456.00 [redacted] NJ $254.00 0.00% 0.00% No No 0 NA No 0.990 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-106 [redacted] ATR/QM: Exempt [redacted] No No $10,615.00 [redacted] $2,029.51 4.875% Yes US Citizen [redacted] 1 [redacted] $3,414.96 FL 0.00% 0.00% No No 0 NA No 1.520 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM5-107 [redacted] ATR/QM: Exempt [redacted] No No $5,734.38 [redacted] $1,164.23 5.750% Yes US Citizen [redacted] 3 [redacted] $1,153.32 CA 0.00% 0.00% No No 0 NA No 1.270 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower 0 0 0 0 0 0 0 [redacted] [redacted] Appendix Q Documentation $0.00 Manual Underwriting Manual Underwriting No No No
XXXXXXX_CSMC_2022-NQM5-108 [redacted] ATR/QM: Exempt [redacted] No No $15,690.00 [redacted] $1,372.51 6.375% Yes Yes Foreign National Foreign National [redacted] [redacted] 1 [redacted] $900.00 FL 0.00% 0.00% No No 0 NA No 0.000 Borrower || Co Borrower Not Stated Not Verified 0 0 0 0 0 0 Borrower || Co Borrower 0 0 0 0 [redacted] [redacted] Appendix Q Documentation Manual Underwriting Manual Underwriting No No No