EX-99.46 47 ex99-46.htm MISSION SUPPLEMENTAL DATA EXTRACT

 

CSMC 2022-NQM3 Trust ABS-15G

 

Exhibit 99.46

 

 

Supplemental Data                                                                                                                                                                                                                              
CSMC_2022-NQM3_V1                                                                                                                                                                                                                                  
Run Date - 4/12/2022 9:15:00 AM                                                                                                                                                                                                                            

 

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 Is Co Borrower Non Occupant Borrower Employment Indicator Co Borrower Employment Indicator Co Borrower 2 Employment Indicator Co Borrower 3 Employment Indicator 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-NQM3-1 [redacted]   ATR/QM: Exempt [redacted] No No   $16,295.00 [redacted] $4,329.39 6.750% Yes               US Citizen       [redacted]         1 [redacted] $3,868.08 [redacted] FL $1,379.00 20010101 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-NQM3-2 [redacted]   ATR/QM: Exempt [redacted] No No   $5,849.65 [redacted] $528.52 4.125% Yes               Foreign National       [redacted]         1 [redacted] $1,395.00 [redacted] FL $561.00 20210802 Monthly 0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0         [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-3 [redacted]   ATR/QM: Exempt [redacted] No No   $7,262.50 [redacted] $1,313.28 6.625% Yes Yes             Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $627.00 [redacted] FL $8.00   Monthly 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
XXXXXXX_CSMC_2022-NQM3-4 [redacted]   ATR/QM: Exempt [redacted] No No   $0.00 [redacted] $989.04 4.750% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $674.04 [redacted] FL $585.00 20210728 Monthly 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-NQM3-5 [redacted]   ATR/QM: Exempt [redacted] No No   $7,173.00 [redacted] $898.60 5.625% Yes Yes Not Employed Not Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $741.96 [redacted] FL $40.00   Annually 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       $1,490.70 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-6 [redacted]   ATR/QM: Exempt [redacted] No No   $11,515.00 [redacted] $1,618.56 3.875% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,434.96 [redacted] FL $388.00   Monthly 0.00% 0.00%                         0   1 - Not Stated Not Verified           No No 0                 NA   No   1.010 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-NQM3-7 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,276.63 5.740% Yes               Non Permanent Resident Alien       [redacted]         1 [redacted] $945.96 [redacted] FL $213.00 20010101 Monthly 0.00% 0.00%                                         No No 0                 NA   No   1.210 Borrower || Co Borrower Debt Service Coverage Ratio 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-NQM3-8 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 17502 $20,436.30 [redacted] $3,700.75 7.875% No   Self-Employed           US Citizen       [redacted]       $8,716.75 1 [redacted] $3,732.96 [redacted] TX $94.75   Annually 50.15% 50.15%                                         No No 0   0.00%     29 99.00%   Borrower Prepared Yes 60 No   0.000 Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified Business P&L 0 0 0 0 2 0 Borrower - 2 YRS Executed 4506T Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 17502 [redacted] 2.820%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-9 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 5695 $7,004.86 [redacted] $1,408.68 6.625% No   Employed           US Citizen       [redacted]       $0.00 1 [redacted] $1,013.04 [redacted] FL $493.00 20210627 Monthly 46.38% 46.38%                                         No No 0   0.00%       100.00%     NA   Yes 5 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 5695 [redacted] 2.910%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-10 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9281 $9,894.84 [redacted] $1,724.80 6.740% No No Retired Retired         US Citizen US Citizen     [redacted] [redacted]     $0.00 1 [redacted] $971.16 [redacted] CA $95.00   Monthly 50.90% 50.90%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       100.00%     NA   No   0.000 Borrower - SSI and Disability - 2 YRS W2 1099 Verified, Award Letter Verified || Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, Award Letter Verified Full Doc 2 1 0 0 0 0 Borrower || Co Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9281 [redacted] 2.910%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-11 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 16295 $17,886.08 [redacted] $3,084.84 4.625% No   Self-Employed           Non Permanent Resident Alien       [redacted]       $4,193.85 1 [redacted] $1,887.12   CA $0.00   Monthly 50.35% 50.35%                                         No Yes 24 Business 100.00%   24   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         [redacted] [redacted] Appendix Q Documentation 16295 [redacted] 2.930%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-12 [redacted]   ATR/QM: Exempt [redacted] No No   $6,926.00 [redacted] $607.61 3.750% Yes Yes Employed Employed         US Citizen US Citizen     [redacted] [redacted]       200 [redacted] $750.00 [redacted] CA $275.00 20210927 Monthly 0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       100.00%     NA   No   1.380 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-NQM3-13 [redacted]   ATR/QM: Exempt [redacted] No No   $11,495.00 [redacted] $2,005.14 4.000% Yes   Employed           Permanent Resident Alien       [redacted]         1 [redacted] $654.96   CA $0.00   Monthly 0.00% 0.00%                                         No No 0   0.00%       100.00%     NA   No   1.090 Borrower - SESoleProprietor Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation       $617,660.49 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-14 [redacted]   ATR/QM: Exempt [redacted] No No   $1,995.00 [redacted] $940.47 3.875% Yes   Employed           US Citizen       [redacted]         1 [redacted] $1,206.00   NY $0.00   Monthly 0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00%       0.00%     NA   No   2.030 Borrower - Wage 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-NQM3-15 [redacted]   ATR/QM: Exempt [redacted] No No   $2,315.00 [redacted] $821.59 4.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $523.56 [redacted] DC $241.00   Monthly 0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.120 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-NQM3-16 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8047 $8,999.43 [redacted] $2,598.33 6.250% No No Employed Employed Self-Employed   5.5   Non Permanent Resident Alien Non Permanent Resident Alien Permanent Resident Alien   [redacted] [redacted] [redacted]     1 [redacted] $1,035.00   CA       49.04% 49.04% 0 663 0                   663   1 - Not Stated Not Verified           No No 0   0.00%     9 100.00%   Borrower Prepared NA   Yes 264 0.000 Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified || Co Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified || Co Borrower 2 - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified Full Doc 2 2 0 0 0 0 Borrower || Co Borrower || Co Borrower 2 - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 8047 [redacted] 3.040%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM3-17 [redacted]   ATR/QM: Exempt [redacted] No No   $5,611.00 [redacted] $544.62 3.750% Yes Yes             Non Permanent Resident Alien Non Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $716.04 [redacted] AL $10.83     0.00% 0.00%                                         No No 0                 NA   No   1.720 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-NQM3-18 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10175 $10,868.27 [redacted] $2,145.28 5.125% No   Self-Employed           US Citizen       [redacted]       $3,664.91 1 [redacted] $501.96   CA       46.90% 46.90%                                         No No 0   0.00%     32 100.00%   Third-Party Prepared (Unaudited) Yes 32 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 10175 [redacted] 3.100%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-19 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 10245 $11,295.42 [redacted] $2,227.49 8.125% No   Employed           US Citizen       [redacted]         1 [redacted] $1,191.96   CA       61.65% 61.65%                                         No No 0   0.00% 0     100.00%     NA   Yes 20 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   [redacted] [redacted] 0 [redacted] [redacted] Appendix Q Documentation 10245 [redacted] 3.140%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-20 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12691.25 $13,133.52 [redacted] $1,761.11 5.375% No   Self-Employed           Permanent Resident Alien       [redacted]         1 [redacted] $2,694.00   TX $50.00     29.78% 29.78%                                         No Yes 24 Business 100.00%   24   100.00%     Yes 60 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted] 0 0 [redacted] [redacted] Appendix Q Documentation 12691.25 [redacted] 3.200%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-21 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11139 $4,266.22 [redacted] $1,971.10 5.375% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,997.76 [redacted] IL $29.42     50.65% 50.65%                                         No No 0   0.00% 0   33 100.00%   Third-Party Prepared (Unaudited) Yes 60 No   0.000 Borrower - SESoleProprietor, Child Support - CPA Letter Verified, YTD Profit And Loss Verified, Separation Agreement Verified, null Personal Bank Statements Verified Business P&L 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 11139 [redacted] 3.200%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-22 [redacted]   ATR/QM: Exempt [redacted] No No   $15,665.00 [redacted] $2,120.34 4.125% Yes               Foreign National       [redacted]         1 [redacted] $1,986.00 [redacted] GA $54.17     0.00% 0.00%                                         No No 0                 NA   No   1.200 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-NQM3-23 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6515 $7,345.00 [redacted] $1,401.10 5.000% No No Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]     $5,247.94 1 [redacted] $1,784.04   MN       45.55% 45.55%                                         No Yes 12 Business 100.00%   12   50.00%     NA   No   0.000 Borrower - SESoleProprietor - 12 Business Bank Statements Verified || Co Borrower - SESoleProprietor - 12 Business Bank Statements Verified 12 Month Bank Statement 0 0 0 0 0 0 Borrower || Co Borrower [redacted] [redacted] [redacted] [redacted] [redacted]     0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 6515 [redacted] 3.140%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-24 [redacted]   ATR/QM: Exempt [redacted] No No   $6,561.25 [redacted] $703.10 4.275% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $963.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.620 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-NQM3-25 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 28970 $32,412.00 [redacted] $4,013.67 3.000% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $2,383.32 [redacted] CA $155.00     18.97% 18.97%                                         No Yes 24 Business 100.00%   24   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 28970 [redacted] 3.030%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-26 [redacted]   ATR/QM: Exempt [redacted] No No   $5,081.00 [redacted] $577.33 4.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,260.00 [redacted] GA $20.83     0.00% 0.00%                                         No No 0                 NA   No   1.760 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-27 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $625.21 3.750% Yes   Employed           US Citizen       [redacted]         1 [redacted] $549.96 [redacted] NC $175.00     0.00% 0.00%                                         No No 0                 NA   No   1.210 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-NQM3-28 [redacted]   ATR/QM: Exempt [redacted] No No   $7,055.00 [redacted] $1,256.91 4.250% Yes               US Citizen       [redacted]         1 [redacted] $917.04   NC       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         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   No No
XXXXXXX_CSMC_2022-NQM3-29 [redacted]   ATR/QM: Exempt [redacted] No No   $8,130.64 [redacted] $2,919.87 4.000% Yes Yes Employed Employed         Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,353.96 [redacted] CA $330.00 20211105   0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   0.810 Borrower || Co Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower || Co Borrower       0                             [redacted] [redacted] Appendix Q Documentation       $0.00 Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-30 [redacted]   ATR/QM: Exempt [redacted] No No   $13,141.58 [redacted] $1,320.19 3.500% Yes   Self-Employed           US Citizen       [redacted]         3 [redacted] $4,625.04   FL       0.00% 0.00%                                         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-NQM3-31 [redacted]   ATR/QM: Exempt [redacted] No No   $6,525.00 [redacted] $652.99 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $812.04 [redacted] FL $217.00     0.00% 0.00%                                         No No 0                 NA   No   1.090 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-NQM3-32 [redacted]   ATR/QM: Exempt [redacted] No No   $5,970.00 [redacted] $1,714.41 4.250% Yes Yes Self-Employed           US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $968.04   MD       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.000 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-NQM3-33 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $550.97 4.250% Yes No Self-Employed           Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]       1 [redacted] $623.04 [redacted] FL $220.00     0.00% 0.00%                                         No No 0                 NA   No   1.220 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-NQM3-34 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 8138 $3,774.50 [redacted] $3,019.68 4.375% No No Self-Employed Self-Employed         Permanent Resident Alien Permanent Resident Alien     [redacted] [redacted]     $0.00 1 [redacted] $674.16 [redacted] CA $77.00     28.02% 28.02%                                         No Yes 29 Business 100.00%   29   100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 24 Months Business Bank Statements Verified || Co Borrower - SESoleProprietor - CPA Letter Verified, 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 8138 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-35 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12475 $12,909.58 [redacted] $2,995.71 4.375% No   Employed           US Citizen       [redacted]       $4,821.36 1 [redacted] $1,479.00   CA       45.79% 45.79%                                         No No 2 Personal 0.00% 0 2   100.00%     NA   No   0.000 Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Personal Bank Statements Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12475 [redacted] 3.030%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-36 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6671 $8,773.73 [redacted] $2,644.67 4.250% No   Self-Employed           Permanent Resident Alien       [redacted]       $19,237.87 1 [redacted] $2,042.04   CA       16.66% 16.66%                                         No Yes 12 Business 100.00%   12   100.00%     NA   No   0.000 Borrower - SESoleProprietor - 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 6671 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-37 [redacted]   ATR/QM: Exempt [redacted] No No   $14,247.00 [redacted] $1,237.66 3.875% Yes               US Citizen       [redacted]         1 [redacted] $456.96 [redacted] HI $702.24 20211124   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-NQM3-38 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,697.19 4.250% Yes Yes             Foreign National Foreign National     [redacted] [redacted]       1 [redacted] $1,361.04 [redacted] FL $370.00     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       $0.00 Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM3-39 [redacted]   ATR/QM: Exempt [redacted] No No   $1,995.00 [redacted] $6,155.44 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,278.12   CA       0.00% 0.00%                                         No No 0                 NA   No   0.800 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-NQM3-40 [redacted]   ATR/QM: Exempt [redacted] No No   $1,495.00 [redacted] $1,336.76 4.000% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,062.96   PA       0.00% 0.00%                                         No No 0                 NA   No   1.190 Borrower Debt Service Coverage Ratio 0 0 0 0 0 0 Borrower       0       0     0     0   [redacted] 0 0 [redacted] [redacted] Appendix Q Documentation         Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM3-41 [redacted]   ATR/QM: Exempt [redacted] No No   $13,495.00 [redacted] $1,458.81 3.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $4,051.08   FL       0.00% 0.00%                                         No No 0                 NA   No   1.260 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-NQM3-42 [redacted]   ATR/QM: Exempt [redacted] No No   $3,800.00 [redacted] $2,459.70 4.250% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,929.96   NY       0.00% 0.00%                                         No No 0                 NA   No   1.350 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-NQM3-43 [redacted]   ATR/QM: Exempt [redacted] No No   $3,745.00 [redacted] $1,074.18 4.000% Yes Yes Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $477.96 [redacted] VA $197.00     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         Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-44 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9407.5 $9,815.28 [redacted] $1,408.38 4.000% No   Self-Employed           US Citizen       [redacted]       $0.00 1 [redacted] $1,511.04   NJ       13.74% 13.74%                                         No Yes 12 Business 7.81%   12   100.00%     Yes 228 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 9407.5 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-45 [redacted]   ATR/QM: Exempt [redacted] No No   $5,720.00 [redacted] $602.05 3.750% Yes   Self-Employed           Foreign National       [redacted]         1 [redacted] $921.96   GA       0.00% 0.00%                                         No No 0                 NA   No   1.660 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-NQM3-46 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 12535 $13,452.08 [redacted] $5,205.42 3.750% No   Self-Employed           US Citizen       [redacted]       $16,059.04 1 [redacted] $2,439.00 [redacted] CA $220.00     49.31% 49.31%                                         No No 1 Personal 0.00% 1     100.00%     Yes 46 No   0.000 Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 Month Personal Bank Statements Verified CPA Verified 0 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 12535 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-47 [redacted]   ATR/QM: Exempt [redacted] No No   $4,680.00 [redacted] $1,475.02 3.750% Yes               Foreign National       [redacted]         1 [redacted] $4,805.16   TX       0.00% 0.00%                                         No No 0                 NA   No   1.070 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-NQM3-48 [redacted]   ATR/QM: Exempt [redacted] No No   $8,245.00 [redacted] $1,058.03 3.875% Yes Yes Self-Employed Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $786.00   FL       0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.240 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-NQM3-49 [redacted]   ATR/QM: Exempt [redacted] No No   $9,595.00 [redacted] $707.59 4.125% No               Non Permanent Resident Alien       [redacted]         1 [redacted] $972.96   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-NQM3-50 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 26195 $26,913.69 [redacted] $3,890.62 5.625% No   Self-Employed           US Citizen       [redacted]       $8,805.12 1 [redacted] $2,291.88   CA       38.51% 41.43%                                         No Yes 24 Business 27.81%   24   100.00%     NA   Yes 34 0.000 Borrower - Wage, SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Separation Agreement Verified, 24 Months Business Bank Statements Verified 24 Month Bank Statement 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 26195 [redacted] 3.030%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-51 [redacted]   ATR/QM: Exempt [redacted] No No   $10,495.00 [redacted] $782.47 4.750% Yes   Self-Employed           US Citizen       [redacted]         1 [redacted] $1,087.68 [redacted] FL $320.00 20220201   0.00% 0.00%                                         No No 0                 NA   No   1.110 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-NQM3-52 [redacted]   ATR/QM: Exempt [redacted] No No   $2,870.00 [redacted] $2,786.77 4.500% Yes               US Citizen       [redacted]         3 [redacted] $3,257.04   NY       0.00% 0.00%                                         No No 0                 NA   No   1.600 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-NQM3-53 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9990 $13,595.90 [redacted] $2,326.04 3.625% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $2,156.04   CA       20.49% 24.72%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No Yes 12 Personal 100.00% 12     100.00%     NA   No   0.000 Borrower - SESoleProprietor - null Personal Tax Returns Verified, 12 Personal Bank Statements Verified 12 Month Bank Statement 0 0   0 0 0 Borrower - null Personal Tax Returns Verified       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 9990 [redacted] 3.160%   Manual Underwriting Manual Underwriting No N/A No No
XXXXXXX_CSMC_2022-NQM3-54 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 11670.25 $14,308.38 [redacted] $2,994.07 7.250% No No Self-Employed Not Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,430.16   UT       30.47% 30.47%                                         No Yes 12 Personal 0.00% 12 0   100.00%     NA   No   0.000 Borrower - 12 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 11670.25 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-55 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 4753.75 $5,162.38 [redacted] $858.90 4.875% No   Self-Employed           US Citizen       [redacted]         1 [redacted] $651.96 [redacted] FL $307.00     20.14% 20.14%                                         No Yes 24 Business 0.00%   24   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 4753.75 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-56 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 6814.25 $7,527.06 [redacted] $585.38 3.500% No   Retired           US Citizen       [redacted]         1 [redacted] $617.04 [redacted] AZ $200.00     26.83% 31.79%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0   0.00% 0     0.00%     NA   No   0.000 Borrower - Retirement, Military and Government Assistance - Award Letter Verified 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 6814.25 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-57 [redacted]   ATR/QM: Exempt [redacted] No No   $7,495.00 [redacted] $3,040.11 4.500% Yes   Employed           US Citizen       [redacted]         1 [redacted] $6,315.96   FL       0.00% 0.00%                                         No No 0                 NA   No   1.890 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-NQM3-58 [redacted]   ATR/QM: Exempt [redacted] No No   $3,035.00 [redacted] $757.59 4.250% Yes               US Citizen       [redacted]         1 [redacted] $236.04 [redacted] VA $430.00     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-NQM3-59 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 7390 $8,204.00 [redacted] $1,426.40 7.500% No   Employed           US Citizen       [redacted]       $0.00 1 [redacted] $1,317.24 [redacted] FL $414.00 20220201   51.02% 51.02%                                         No No 0   36.70%       0.00%     NA   Yes 34 0.000 Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Award Letter Verified Full Doc 2 0 0 0 0 0 Borrower       0       0     0     0   0 0 0 [redacted] [redacted] Appendix Q Documentation 7390 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-60 [redacted]   ATR/QM: Exempt [redacted] No No   $7,247.00 [redacted] $1,776.05 3.750% Yes               US Citizen       [redacted]         1 [redacted] $1,509.84 [redacted] FL $670.00     0.00% 0.00%                                         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-NQM3-61 [redacted]   ATR/QM: Exempt [redacted] No No   $5,995.00 [redacted] $1,058.03 3.875% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $876.60   MD       0.00% 0.00%                                         No No 0                 NA   No   1.300 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-NQM3-62 [redacted]   ATR/QM: Exempt [redacted] No No   $5,319.00 [redacted] $912.82 4.000% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $216.96 [redacted] VA $240.00     0.00% 0.00%                             1 - Not Stated Not Verified 1 - Not Stated Not Verified         No No 0                 NA   No   1.060 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-NQM3-63 [redacted]   ATR/QM: Exempt [redacted] No No   $32,155.00 [redacted] $3,549.78 3.750% Yes Yes             US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,505.04   HI       0.00% 0.00%                                         No No 0                 NA   No   0.500 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-NQM3-64 [redacted]   Non-QM: Lender documented all ATR UW factors [redacted] Yes No 9172.5 $9,977.63 [redacted] $2,652.58 4.750% No   Self-Employed           US Citizen       [redacted]       $3,948.79 1 [redacted] $1,599.00   CA       45.46% 45.46%                                         No Yes 12 Personal 100.00% 12     100.00%     Yes 24 No   0.000 Borrower - SESoleProprietor - CPA Letter Verified, 12 Personal 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 9172.5 [redacted] 3.160%   Manual Underwriting Manual Underwriting No   No No
XXXXXXX_CSMC_2022-NQM3-65 [redacted]   ATR/QM: Exempt [redacted] No No   $20,217.50 [redacted] $1,971.73 4.000% Yes Yes Self-Employed Self-Employed         US Citizen US Citizen     [redacted] [redacted]       1 [redacted] $1,968.00   WA       0.00% 0.00%                                         No No 0                 NA   No   1.160 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