CSMC 2022-NQM3 Trust ABS-15G

Exhibit 99.49

 

Exception Grade Detail

CSMC_2022-NQM3_V1

Run Date - 4/12/2022 9:15:00 AM

Loan ID

Seller Loan ID

Investor Loan ID

Overall Initial Loan Grade

Overall Final Loan Grade

Credit Initial Loan Grade

Credit Current/Final Loan Grade

Compliance Initial Loan Grade

Compliance Current/Final Loan Grade

Property Initial Loan Grade

Property Current/Final Loan Grade

Queue

Finding Code

Date Created

Date Modified

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Finding Comments

Seller Comments

Resolution Comments

Reviewer Comp Factor

Originator Comp Factors

Finding Documents

Originator QM Status

Final Reviewed QM Status

Loan Amount

Property State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

XXXXXXX_CSMC_2022-NQM3-1

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE1255

2021-09-20 16:58

2021-10-06 11:30

Resolved

1 - Information

D

A

Credit

Missing Doc

Other Property Insurance Policy Missing

Resolved-Document uploaded clears finding - Due Diligence Vendor-10/06/2021 Open-Master liability for [redacted] missing - Due Diligence Vendor-09/20/2021

Resolved-Document uploaded clears finding - Due Diligence Vendor-10/06/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

101153

XXXXXXX_CSMC_2022-NQM3-1

[redacted]

D

A

D

A

D

A

A

A

Closed

FCOM4028

2021-09-20 16:31

2021-09-23 13:18

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/20/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

101098

XXXXXXX_CSMC_2022-NQM3-2

[redacted]

D

A

A

A

D

A

A

A

Closed

FCOM4028

2021-09-14 16:54

2021-09-23 13:18

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/14/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

94899

XXXXXXX_CSMC_2022-NQM3-3

[redacted]

D

A

D

A

D

A

A

A

Closed

FCOM4028

2021-09-16 04:50

2021-09-23 13:18

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/16/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

96430

XXXXXXX_CSMC_2022-NQM3-3

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE1145

2021-09-16 05:26

2021-09-23 13:18

Resolved

1 - Information

D

A

Credit

Missing Doc

Title Document Missing

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-lender policy - Due Diligence Vendor-09/16/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

96448

XXXXXXX_CSMC_2022-NQM3-4

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-5

[redacted]

D

A

A

A

D

A

A

A

Closed

FCOM4028

2021-09-16 08:04

2021-09-23 13:18

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/16/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

96678

XXXXXXX_CSMC_2022-NQM3-6

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7756

2021-09-17 15:53

2021-09-27 14:11

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Borrower is foreign national with no US credit. Guidelines don't require a credit report. - Due Diligence Vendor-09/27/2021 Open-Credit Report is Missing - Due Diligence Vendor-09/17/2021

Resolved-Borrower is foreign national with no US credit. Guidelines don't require a credit report. - Due Diligence Vendor-09/27/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

99107

XXXXXXX_CSMC_2022-NQM3-6

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7347

2021-09-17 20:21

2021-09-27 14:11

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Per investor Purchase loan - UW allows vacancy on purchase loan which presumes no lease agreement required. Appraisal shows property is vacant. - Due Diligence Vendor-09/27/2021 Open-Missing lease agreement. - Due Diligence Vendor-09/18/2021

Resolved-Per investor Purchase loan - UW allows vacancy on purchase loan which presumes no lease agreement required. Appraisal shows property is vacant. - Due Diligence Vendor-09/27/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

99197

XXXXXXX_CSMC_2022-NQM3-6

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1254

2021-09-17 16:05

2021-09-23 13:18

Resolved

1 - Information

C

A

Credit

Title

Property Title Issue

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Property Title Issue Missing final title policy. - Due Diligence Vendor-09/17/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

99122

XXXXXXX_CSMC_2022-NQM3-7

[redacted]

D

A

A

A

D

A

A

A

Closed

FVAL1039

2021-11-04 12:27

2021-11-14 13:07

Resolved

1 - Information

A

A

Property

Missing Doc

Appraised value unsupported

Resolved-BPO Value was [redacted] supporting original appraised value. Finding is resolved. - Due Diligence Vendor-11/14/2021 Open-AVM value is greater than 10% variance from original Appraisal. BPO is ordered. - Due Diligence Vendor-11/04/2021

Resolved-BPO Value was [redacted] supporting original appraised value. Finding is resolved. - Due Diligence Vendor-11/14/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

154655

XXXXXXX_CSMC_2022-NQM3-7

[redacted]

D

A

A

A

D

A

A

A

Closed

FCOM4028

2021-09-17 17:10

2021-10-13 20:33

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/17/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

99163

XXXXXXX_CSMC_2022-NQM3-8

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE1194

2021-09-16 10:27

2021-09-29 18:02

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Rate sheet update clears finding - Due Diligence Vendor-09/30/2021 Open-Audited LTV of [redacted] exceeds Guideline LTV of [redacted] 24 Month P&L program max LTV is [redacted] with a minimum FICO of [redacted].  The Borrower has a [redacted] FICO and the loan closed at [redacted] LTV.  - Due Diligence Vendor-09/16/2021

Resolved-Rate sheet update clears finding - Due Diligence Vendor-09/30/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

97018

XXXXXXX_CSMC_2022-NQM3-8

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE5275

2021-09-16 10:30

2021-09-29 18:02

Resolved

1 - Information

C

A

Credit

Eligibility

Asset do not meet guidelines

Resolved-Articles of Incorp clears finding - Due Diligence Vendor-09/30/2021 Acknowledged-Lender Exception in file - Due Diligence Vendor-09/27/2021 Open-Lender Granted Exception for business assets for down payment and closing. Guidelines dictate the borrower must be 100% owner. Our borrower owns 99% and the spouse owns 1%. Compensating Factors: LTV at [redacted], Borrower has 12 months personal LCRs after closing, $79,360 remains in business accounts after close. See page 475. - Due Diligence Vendor-09/16/2021

Resolved-Articles of Incorp clears finding - Due Diligence Vendor-09/30/2021  Acknowledged-Lender Exception in file - Due Diligence Vendor-09/27/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

97026

XXXXXXX_CSMC_2022-NQM3-8

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE1437

2021-09-16 09:41

2021-09-27 14:16

Resolved

1 - Information

C

A

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Per guidelines borrower must sign self prepared P&Ls then CPA must certify accuracy. CPA letter on Pg - Due Diligence Vendor-09/27/2021 Open-Income and Employment Do Not Meet Guidelines Missing a hand written letter from the borrower attesting to the accuracy of the self prepared P&L Statements.  - Due Diligence Vendor-09/16/2021

Resolved-Per guidelines borrower must sign self prepared P&Ls then CPA must certify accuracy. CPA letter on Pg - Due Diligence Vendor-09/27/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

96911

XXXXXXX_CSMC_2022-NQM3-8

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE1145

2021-09-16 10:30

2021-09-23 13:11

Resolved

1 - Information

D

A

Credit

Missing Doc

Title Document Missing

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing final title - Due Diligence Vendor-09/16/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

97027

XXXXXXX_CSMC_2022-NQM3-8

[redacted]

D

A

D

A

D

A

A

A

Closed

FCOM4028

2021-09-16 08:59

2021-09-23 13:11

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence Mortgage/Deed of Trust will be recorded

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-09/16/2021

Resolved-Creditor- File was closed within last 60 days. Mortgage was sent for recording and Final Title Policy will be provided upon the receipt. Finding is resolved.  - Due Diligence Vendor-09/23/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

96816

XXXXXXX_CSMC_2022-NQM3-9

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1175

2021-11-09 15:05

2021-11-15 14:35

Resolved

1 - Information

C

A

Credit

Insurance

Named Insured on HO6 Master Policy does not match HOA Name

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021 Ready for Review-Documents loaded clear finding - Due Diligence Vendor-11/15/2021 Ready for Review-Document Uploaded.  - Seller-11/09/2021 Open-Named Insured on HO-6 Master Insurance Policy does not match HOA Name - Due Diligence Vendor-10/20/2021

Ready for Review-Documents loaded clear finding - Due Diligence Vendor-11/15/2021  Ready for Review-Document Uploaded.  - Seller-11/09/2021

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021

[redacted]- MASTER HOA POLICY (8).pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

134563

XXXXXXX_CSMC_2022-NQM3-9

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1173

2021-11-09 15:04

2021-11-15 14:35

Resolved

1 - Information

D

A

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021 Ready for Review-Documents loaded clear finding - Due Diligence Vendor-11/15/2021 Ready for Review-Document Uploaded.  - Seller-11/09/2021 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-10/20/2021

Ready for Review-Documents loaded clear finding - Due Diligence Vendor-11/15/2021  Ready for Review-Document Uploaded.  - Seller-11/09/2021

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021

[redacted]- MASTER HOA POLICY (8).pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

134564

XXXXXXX_CSMC_2022-NQM3-10

[redacted]

C

A

A

A

C

A

A

A

Closed

finding-3540

2022-01-13 14:42

2022-01-24 13:47

Resolved

1 - Information

C

A

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Resolved-Document was notarized with incorrect date. Affidavit provided resolved Finding. - Due Diligence Vendor-01/24/2022 Resolved-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-11/04/2021 Resolved-Resolved - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. Notary Atessation - Seller-01/13/2022 Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. Issue appears to be linked to the notary date issue.   - Due Diligence Vendor-11/08/2021

Ready for Review-Document Uploaded. Notary Atessation - Seller-01/13/2022

Resolved-Document was notarized with incorrect date. Affidavit provided resolved Finding. - Due Diligence Vendor-01/24/2022  Resolved-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-11/04/2021  Resolved-Resolved - Due Diligence Vendor-01/24/2022

[redacted] - Notary letter re signing date.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

154176

XXXXXXX_CSMC_2022-NQM3-11

[redacted]

D

B

D

B

D

A

A

A

Closed

FCRE6019

2022-01-26 10:07

2022-04-12 08:31

Waived

2 - Non-Material

D

B

Credit

Missing Doc

Citizenship Documentation Not Provided

Waived- - Due Diligence Vendor-04/12/2022 Acknowledged-Exception given for missing citizen documentation.  Foreign National with ITN  Borrower only has expired passport (has not been able to renew) and current valid driver's license for identification.  Has valid contractors license in the US - Due Diligence Vendor-01/28/2022 Ready for Review-Document Uploaded. Uploaded Exception - Seller-01/26/2022 Counter-This Finding is regarding Citizenship documents to confirm NPRA status from [redacted]. Please provide proof of Citezenship - Due Diligence Vendor-12/06/2021 Ready for Review-Document Uploaded. The borrower received the initial CD on [redacted] & advised [redacted] of a bona fide personal financial emergency the following day that necessitated closing the loan sooner.  Please see the hardship waiver from the borrower uploaded - Seller-11/26/2021 Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-10/21/2021

Ready for Review-Document Uploaded. Uploaded Exception - Seller-01/26/2022  Ready for Review-Document Uploaded. The borrower received the initial CD on [redacted] & advised [redacted] of a bona fide personal financial emergency the following day that necessitated closing the loan sooner.  Please see the hardship waiver from the borrower uploaded - Seller-11/26/2021

Acknowledged-Exception given for missing citizen documentation.  Foreign National with ITN  Borrower only has expired passport (has not been able to renew) and current valid driver's license for identification.  Has valid contractors license in the US - Due Diligence Vendor-01/28/2022

[redacted] LTV  Purchase transaction and 6 months LCR's

[redacted]-Hardship Waiver.pdf [redacted]-Initial CD.pdf [redacted]-DRIVERS LICENSES.pdf [redacted]-CONTRACTORS BID INSURANCE LICENSE.pdf [redacted]-Exception.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

135908

XXXXXXX_CSMC_2022-NQM3-11

[redacted]

D

B

D

B

D

A

A

A

Closed

FCRE1193

2021-11-09 16:35

2022-03-11 15:07

Resolved

1 - Information

A

A

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 50.35% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-12/17/2021 Rescinded- - Due Diligence Vendor-11/11/2021 Ready for Review-Document Uploaded. uploaded DTI worksheet - Seller-11/09/2021 Open-DTI of 50.35% exceeds guideline maximum of 50%.  Full doc type required for DTI over 50% and borrower doc type was Alt.   - Due Diligence Vendor-11/08/2021

Ready for Review-Document Uploaded. uploaded DTI worksheet - Seller-11/09/2021

Resolved-Audited DTI of 50.35% is less than or equal to Guideline DTI of 55% - Due Diligence Vendor-12/17/2021

[redacted]-DTI WORKSHEET (3).pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

157385

XXXXXXX_CSMC_2022-NQM3-11

[redacted]

D

B

D

B

D

A

A

A

Closed

FCOM1266

2021-11-10 15:49

2021-12-20 02:20

Resolved

1 - Information

D

A

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021 Ready for Review-Document received clears finding - Due Diligence Vendor-11/11/2021 Ready for Review-Document Uploaded.  - Seller-11/10/2021 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/26/2021

Ready for Review-Document received clears finding - Due Diligence Vendor-11/11/2021  Ready for Review-Document Uploaded.  - Seller-11/10/2021

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021

[redacted]- EXECUTED INITIAL DISCLOSURES (3).pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

141039

XXXXXXX_CSMC_2022-NQM3-11

[redacted]

D

B

D

B

D

A

A

A

Closed

finding-3532

2021-11-10 15:50

2021-11-15 13:49

Resolved

1 - Information

C

A

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021 Ready for Review-Document Uploaded.  - Seller-11/10/2021 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-11/05/2021

Ready for Review-Document Uploaded.  - Seller-11/10/2021

Resolved-Documents loaded clear finding - Due Diligence Vendor-11/15/2021

[redacted]- EXECUTED INITIAL DISCLOSURES (3).pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

156636

XXXXXXX_CSMC_2022-NQM3-12

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_CSMC_2022-NQM3-13

[redacted]

A

A

A

A

A

A

A

A

Closed

FCOM1231

2021-10-27 08:20

2022-01-14 14:43

Resolved

1 - Information

A

A

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-12/17/2021 Rescinded-investment - Due Diligence Vendor-11/02/2021 Open-The Initial 1003 is Missing - Due Diligence Vendor-10/27/2021

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-12/17/2021  Rescinded-investment - Due Diligence Vendor-11/02/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

143112

XXXXXXX_CSMC_2022-NQM3-14

[redacted]

D

A

D

A

A

A

D

A

Closed

FCRE7347

2021-12-22 11:50

2022-01-03 16:58

Resolved

1 - Information

A

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease Received - Due Diligence Vendor-01/03/2022 Ready for Review-Document Uploaded. Uploaded Lease Agreement  - Seller-12/22/2021 Open- - Due Diligence Vendor-12/16/2021

Ready for Review-Document Uploaded. Uploaded Lease Agreement  - Seller-12/22/2021

Resolved-Lease Received - Due Diligence Vendor-01/03/2022

[redacted]-LEASE AGREEMENT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

209820

XXXXXXX_CSMC_2022-NQM3-14

[redacted]

D

A

D

A

A

A

D

A

Closed

FCRE7756

2021-11-09 14:35

2021-12-20 02:03

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-11/10/2021 Resolved-Document received clears finding - Due Diligence Vendor-11/10/2021 Ready for Review-Document Uploaded. Uploaded credit report - Seller-11/09/2021 Open-Credit Report is Missing No credit report found in the file, not a foreign national per 1003.  - Due Diligence Vendor-11/05/2021 Open-Credit Report is Missing - Due Diligence Vendor-10/27/2021

Ready for Review-Document Uploaded. Uploaded credit report - Seller-11/09/2021

Resolved-Credit Report is Provided - Due Diligence Vendor-11/10/2021  Resolved-Document received clears finding - Due Diligence Vendor-11/10/2021

[redacted] - LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

142872

XXXXXXX_CSMC_2022-NQM3-14

[redacted]

D

A

D

A

A

A

D

A

Closed

FVAL8946

2021-11-09 14:34

2021-11-09 17:20

Resolved

1 - Information

D

A

Property

Missing Doc

Missing Appraisal

Resolved-Document received clears finding - Due Diligence Vendor-11/10/2021 Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-11/09/2021 Open-No appraisal in file - Due Diligence Vendor-11/05/2021

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-11/09/2021

Resolved-Document received clears finding - Due Diligence Vendor-11/10/2021

[redacted] - BROKER APPRAISAL.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

156662

XXXXXXX_CSMC_2022-NQM3-14

[redacted]

D

A

D

A

A

A

D

A

Closed

FCRE1728

2021-11-09 14:35

2021-11-09 17:16

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing rent comparable schedule form 1007

Resolved-Document received clears finding - Due Diligence Vendor-11/10/2021 Ready for Review-Document Uploaded. Uploaded appraisal; rent comparable in file - Seller-11/09/2021 Open-Missing 1007  In The Package - Due Diligence Vendor-10/27/2021

Ready for Review-Document Uploaded. Uploaded appraisal; rent comparable in file - Seller-11/09/2021

Resolved-Document received clears finding - Due Diligence Vendor-11/10/2021

[redacted] - BROKER APPRAISAL.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

143042

XXXXXXX_CSMC_2022-NQM3-15

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_CSMC_2022-NQM3-16

[redacted]

A

A

A

A

A

A

A

A

A

A

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_CSMC_2022-NQM3-17

[redacted]

B

B

A

A

A

A

B

B

Closed

FPRO1245

2021-11-18 13:28

2022-04-05 08:36

Waived

2 - Non-Material

B

B

Property

Appraisal

Appraisal is Expired

Waived- - Due Diligence Vendor-04/05/2022 Acknowledged-Appraisal report expired on [redacted], page 7. - Due Diligence Vendor-11/18/2021

Acknowledged-Appraisal report expired on [redacted], page 7. - Due Diligence Vendor-11/18/2021

[redacted] LTV + Over 6 Months Reserves

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

171489

XXXXXXX_CSMC_2022-NQM3-18

[redacted]

C

A

C

A

A

A

A

A

Closed

FCRE1440

2022-01-12 14:07

2022-01-24 13:52

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Documentation provided resolves Finding. - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. There were no monthly payments made to lender. Please see fianl HUD that reflects 12 months of payments were collected upfront. There is no VOM. - Seller-01/12/2022 Open-Housing History Does Not Meet Guideline Requirements - Missing mortgage rating for subject property - One stmt, page 164, and a demand, page 200, is only noted reference to current subject mtg.  I/O loan -current at close. Per CPE Guides property mtg must be obtained. - Due Diligence Vendor-11/19/2021

Ready for Review-Document Uploaded. There were no monthly payments made to lender. Please see fianl HUD that reflects 12 months of payments were collected upfront. There is no VOM. - Seller-01/12/2022

Resolved-Documentation provided resolves Finding. - Due Diligence Vendor-01/24/2022

[redacted] - Final HUD-1 from Purchase of subject.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

172793

XXXXXXX_CSMC_2022-NQM3-19

[redacted]

C

A

C

A

A

A

A

A

Closed

FCRE1193

2021-11-29 04:59

2022-02-28 14:47

Resolved

1 - Information

C

A

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-02/28/2022 Open-Underwriter's  income not supported.  Calculation error in dividing YTD PS dated 09/25/2021 of $40,595.93 / 8 months. See page 419.  Correct calculation of YTD Pay stub at 8.83 = $4,597.50 - No earnings history of over $60K per year per Underwriter's calc. Additionally, required collection payoffs were not included at close -resulting in a higher debt calc using 5% of remaining collection balances. Per GL aggregate over 2K must be included in DTI. - Due Diligence Vendor-11/29/2021

Resolved-Audited DTI of % is less than or equal to Guideline DTI of % - Due Diligence Vendor-02/28/2022

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

179135

XXXXXXX_CSMC_2022-NQM3-19

[redacted]

C

A

C

A

A

A

A

A

Closed

finding-2962

2021-12-01 08:22

2021-12-17 15:41

Resolved

1 - Information

A

A

Compliance

Points & Fees

CA AB 260 Higher-Priced Mortgage Loan Test

Resolved- - Due Diligence Vendor-12/17/2021 Open-This loan failed the [redacted] higher-priced mortgage loan test.  ([redacted], [redacted] Financial Code Division [redacted] Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the [redacted] Financial Code. While the [redacted] Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-12/01/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

184012

XXXXXXX_CSMC_2022-NQM3-19

[redacted]

C

A

C

A

A

A

A

A

Closed

FCRE1332

2021-11-29 04:20

2021-12-17 11:00

Resolved

1 - Information

A

A

Credit

Income/Employment

Borrower 1 Paystubs Less Than 1 Month Provided

Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-12/17/2021 Rescinded-Borrower 1 Paystubs Less Than 1 Month Provided Bwr paid weekly - two recent ps were provided. - Due Diligence Vendor-11/29/2021

Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-12/17/2021  Rescinded-Borrower 1 Paystubs Less Than 1 Month Provided Bwr paid weekly - two recent ps were provided. - Due Diligence Vendor-11/29/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

179124

XXXXXXX_CSMC_2022-NQM3-20

[redacted]

D

B

C

B

A

A

D

A

Closed

FCRE1440

2022-01-31 11:09

2022-04-12 08:32

Waived

2 - Non-Material

C

B

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived- - Due Diligence Vendor-04/12/2022 Acknowledged-exception provided for this finding:  LTV exceeds max of [redacted] with 1x30 late.  Requesting [redacted] LTV - Due Diligence Vendor-02/01/2022 Ready for Review-Document Uploaded. Uploaded Exception  - Seller-01/31/2022 Open-VOR indicates a 1 x 30 but does not indicate when. 1 x 30 last 12 max allowable LTV is [redacted]. File LTV is [redacted].  No clarification of when late occurred in file. - Due Diligence Vendor-11/26/2021

Ready for Review-Document Uploaded. Uploaded Exception  - Seller-01/31/2022

Acknowledged-exception provided for this finding:  LTV exceeds max of [redacted] with 1x30 late.  Requesting [redacted] LTV - Due Diligence Vendor-02/01/2022

low DTI, 6 months LCR

[redacted]-exception.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

178759

XXXXXXX_CSMC_2022-NQM3-20

[redacted]

D

B

C

B

A

A

D

A

Closed

FCRE3931

2022-02-07 18:00

2022-04-12 08:32

Waived

2 - Non-Material

A

B

Credit

Eligibility

Other Credit Finding 1

Waived- - Due Diligence Vendor-04/12/2022 Acknowledged-Exception accepted. - Due Diligence Vendor-02/16/2022 Ready for Review-We do not require  minimum of  3 comp factor - 1 comp factor listed  exception are approved on a case by case basis  - Seller-02/08/2022 Open-exception provided to clear finding does not contain the required 3 comp factors - Due Diligence Vendor-02/01/2022

Ready for Review-We do not require  minimum of  3 comp factor - 1 comp factor listed  exception are approved on a case by case basis  - Seller-02/08/2022

Acknowledged-Exception accepted. - Due Diligence Vendor-02/16/2022

Low DT 6 MONTHS LCR's

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

280968

XXXXXXX_CSMC_2022-NQM3-20

[redacted]

D

B

C

B

A

A

D

A

Closed

FPRO1242

2021-12-15 15:26

2021-12-17 10:12

Resolved

1 - Information

D

A

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-12/17/2021 Ready for Review-Document Uploaded. Uploaded appraisal - Seller-12/15/2021 Open-Appraisal is Missing No copy of Appraisal in file -invoice only. Value taken from Executive Summary -page 1 - Due Diligence Vendor-11/26/2021

Ready for Review-Document Uploaded. Uploaded appraisal - Seller-12/15/2021

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-12/17/2021

[redacted]-APPRAISAL.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

178756

XXXXXXX_CSMC_2022-NQM3-21

[redacted]

C

B

C

B

A

A

A

A

Closed

FCRE6911

2022-01-31 11:11

2022-04-12 08:32

Waived

2 - Non-Material

C

B

Credit

Eligibility

DTI exceeds program maximum

Waived- - Due Diligence Vendor-04/12/2022 Acknowledged-DTI Exceeds guidelines (over 50%)- exception in finding - Due Diligence Vendor-02/01/2022 Ready for Review-Document Uploaded. Uploaded Exceptions - Seller-01/31/2022 Open-DTI of 51.52% exceeds guidelines of 50%.  Property taxes were calculated at over $300 more per month than originator calculation.   - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Uploaded Exceptions - Seller-01/31/2022

Acknowledged-DTI Exceeds guidelines (over 50%)- exception in finding - Due Diligence Vendor-02/01/2022

6 months LCRs, [redacted]FICO 1) Reserves of $65,554 with $17,018 minimum required, 2) Residual Income of $6,461.40 and 3) FICO [redacted]

[redacted]-exception.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

207410

XXXXXXX_CSMC_2022-NQM3-22

[redacted]

C

A

C

A

A

A

A

A

Closed

FCRE1442

2022-01-12 14:29

2022-01-24 13:54

Resolved

1 - Information

C

A

Credit

Assets

Asset 1 Expired

Resolved-Documentation provided resolves Finding. Translation provided - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. Uploaded August and September translation (only need 2 months).  - Seller-01/12/2022 Open-Borrower is a foreign national. The bank statements are in [redacted]and the currency is in [redacted]. Need a USD translation and conversion. (pages 35,38,42) - Due Diligence Vendor-11/30/2021

Ready for Review-Document Uploaded. Uploaded August and September translation (only need 2 months).  - Seller-01/12/2022

Resolved-Documentation provided resolves Finding. Translation provided - Due Diligence Vendor-01/24/2022

[redacted]-BANK STATEMENTS - Aug and Septmber.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

183300

XXXXXXX_CSMC_2022-NQM3-23

[redacted]

D

A

A

A

D

A

A

A

Closed

FCOM1257

2022-01-12 14:53

2022-01-24 14:03

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing Change of Circumstance

Resolved-COC documentation provided resolved Finding, - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. The borrower requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022 Open-No COC- increase Origination Fee on the Initial CD date [redacted], pg 58. - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. The borrower requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022

Resolved-COC documentation provided resolved Finding, - Due Diligence Vendor-01/24/2022

[redacted] - Initial CD (COC) - signed.pdf [redacted] - Initial CD (COC) - unsigned.pdf [redacted] - Proof of Delivery of the Initial CD (COC).pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

212795

XXXXXXX_CSMC_2022-NQM3-23

[redacted]

D

A

A

A

D

A

A

A

Closed

finding-3634

2022-01-12 14:54

2022-01-24 14:02

Resolved

1 - Information

C

A

Compliance

TRID

Charges That Cannot Increase Test

Resolved-Documentation provided resolved Finding. - Due Diligence Vendor-01/24/2022 Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/20/2021 Ready for Review-Document Uploaded. The borrowe+Z25r requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022

Ready for Review-Document Uploaded. The borrowe+Z25r requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022

Resolved-Documentation provided resolved Finding. - Due Diligence Vendor-01/24/2022  Resolved-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $100.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-12/20/2021

[redacted] - Initial CD (COC) - signed.pdf [redacted] - Proof of Delivery of the Initial CD (COC).pdf C[redacted] - Initial CD (COC) - unsigned.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

212766

XXXXXXX_CSMC_2022-NQM3-23

[redacted]

D

A

A

A

D

A

A

A

Closed

finding-3631

2022-01-12 14:54

2022-01-24 14:02

Resolved

1 - Information

C

A

Compliance

Points & Fees

Reimbursement Amount Validation Test

Resolved-Resolved - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. The borrower requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022 Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. The borrower requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022

Resolved-Resolved - Due Diligence Vendor-01/24/2022

[redacted] - Initial CD (COC) - unsigned.pdf [redacted] - Proof of Delivery of the Initial CD (COC).pdf [redacted] - Initial CD (COC) - signed.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

212764

XXXXXXX_CSMC_2022-NQM3-23

[redacted]

D

A

A

A

D

A

A

A

Closed

finding-3632

2022-01-12 14:54

2022-01-24 14:02

Resolved

1 - Information

C

A

Compliance

Disclosure

Consummation or Reimbursement Date Validation Test

Resolved-Resolved - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. The borrower requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to [redacted]. - Seller-01/12/2022 Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. The borrower requested a loan amount increase from [redacted] to [redacted] which was disclosed on the initial CD.  Please see the Changed Circumstance Detail Form + Initial CD uploaded along with the signed copy from the borrower minus the Changed Circumstance detail form as that was not returned or scanned back to[redacted]. - Seller-01/12/2022

Resolved-Resolved - Due Diligence Vendor-01/24/2022

[redacted] - Proof of Delivery of the Initial CD (COC).pdf [redacted] - Initial CD (COC) - unsigned.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

212765

XXXXXXX_CSMC_2022-NQM3-24

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7756

2022-01-09 12:02

2022-01-12 10:42

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-01/09/2022 Open-Credit Report is Missing - Due Diligence Vendor-12/11/2021

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-01/09/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022

[redacted]-LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

200621

XXXXXXX_CSMC_2022-NQM3-25

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE1325

2022-01-13 23:35

2022-01-24 14:21

Resolved

1 - Information

A

A

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/14/2022 Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-01/14/2022

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-01/14/2022

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

250607

XXXXXXX_CSMC_2022-NQM3-25

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE3464

2022-01-21 09:59

2022-01-24 14:14

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Closing/Final Verbal VOE

Resolved-Documentation provided resolves Finding. - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. Uploaded VVOE - Seller-01/21/2022 Counter-No VVOE attached.   - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded the Final PCCD and Final HUD - Seller-01/10/2022 Open-No VVOE in file - Due Diligence Vendor-01/06/2022

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-01/21/2022  Ready for Review-Document Uploaded. Uploaded the Final PCCD and Final HUD - Seller-01/10/2022

Resolved-Documentation provided resolves Finding. - Due Diligence Vendor-01/24/2022

[redacted]-FINAL POST CLOSING CLOSING DISCLOSURE.pdf [redacted]-FINAL CLOSING STATEMENT.pdf [redacted] - FINAL VERBAL VOE.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

236003

XXXXXXX_CSMC_2022-NQM3-25

[redacted]

D

A

D

A

D

A

A

A

Closed

FCOM1266

2022-01-10 13:34

2022-01-13 23:12

Resolved

1 - Information

D

A

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/14/2022 Resolved- - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded Homeownership Disclosure - Seller-01/10/2022 Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-12/16/2021

Ready for Review-Document Uploaded. Uploaded Homeownership Disclosure - Seller-01/10/2022

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/14/2022

[redacted]-Homeownership Counseling.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

209525

XXXXXXX_CSMC_2022-NQM3-25

[redacted]

D

A

D

A

D

A

A

A

Closed

finding-3617

2021-12-24 10:06

2022-01-12 07:08

Resolved

1 - Information

A

A

Compliance

TRID

TRID Initial Closing Disclosure Date and Funding Date Validation Test

Resolved-Resolved - Due Diligence Vendor-01/12/2022 Rescinded-No QM - Due Diligence Vendor-12/24/2021 Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-12/24/2021

Resolved-Resolved - Due Diligence Vendor-01/12/2022  Rescinded-No QM - Due Diligence Vendor-12/24/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

220317

XXXXXXX_CSMC_2022-NQM3-25

[redacted]

D

A

D

A

D

A

A

A

Closed

FCOM1252

2022-01-10 13:42

2022-01-12 06:20

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved- - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded the initial and Executed Disclosures - Seller-01/10/2022 Open-No loan estimates present in the file, only CDs.  Unable to run compliance without receipt of INITIAL Loan Estimate.  Upon compliance run, subject to additional conditions depending on results of compliance review.  - Due Diligence Vendor-01/04/2022

Ready for Review-Document Uploaded. Uploaded the initial and Executed Disclosures - Seller-01/10/2022

[redacted]-INITIAL DISCLOSURES.pdf [redacted]-EXECUTED INITIAL DISCLOSURES.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

231766

XXXXXXX_CSMC_2022-NQM3-25

[redacted]

D

A

D

A

D

A

A

A

Closed

finding-3517

2022-01-10 13:43

2022-01-12 06:17

Resolved

1 - Information

C

A

Compliance

TRID

Written List of Service Providers Disclosure Date Test

Resolved- - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded the Service Provider List - Seller-01/10/2022 Open-Missing Written List of Service Providers - Due Diligence Vendor-01/04/2022

Ready for Review-Document Uploaded. Uploaded the Service Provider List - Seller-01/10/2022

[redacted]-Settlement Service s Provide List.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

231767

XXXXXXX_CSMC_2022-NQM3-26

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-27

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_CSMC_2022-NQM3-28

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-29

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1173

2022-01-27 14:00

2022-01-28 08:43

Resolved

1 - Information

D

A

Credit

Missing Doc

HO6 Master Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/28/2022 Ready for Review-Document Uploaded. Uploaded master policy insurance. - Seller-01/27/2022 Counter-Already received the HO6 policy with original package.  What we are missing is the actual Building Policy for the Condo.  The Master policy for exterior walls, common areas and liability.  Master policy is missing.  Please do not sent the borrowers private HO6 policy-we have that.  - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded Insurance  - Seller-01/09/2022 Open-Master policy missing, not HO6 - Due Diligence Vendor-01/05/2022 Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. Uploaded master policy insurance. - Seller-01/27/2022  Ready for Review-Document Uploaded. Uploaded Insurance  - Seller-01/09/2022

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/28/2022

[redacted]_INSURANCE-.pdf [redacted]  - Master Policy Insurance.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

203186

XXXXXXX_CSMC_2022-NQM3-30

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-31

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-32

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

XXXXXXX_CSMC_2022-NQM3-33

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-34

[redacted]

C

A

A

A

A

A

C

A

Closed

FVAL1039

2021-12-21 09:08

2021-12-21 09:38

Resolved

1 - Information

C

A

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal  - Due Diligence Vendor-12/21/2021 Open-AVM ordered  - Due Diligence Vendor-12/21/2021

Resolved-BPO supports original appraisal  - Due Diligence Vendor-12/21/2021

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

215081

XXXXXXX_CSMC_2022-NQM3-35

[redacted]

D

A

A

A

D

A

A

A

Closed

FCOM1231

2022-01-10 13:28

2022-01-11 16:52

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-01/11/2022 Resolved-Received 1003 - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded executed 1003 - Seller-01/10/2022 Open-The Initial 1003 is Missing and the 1003 Page Occupancy Status is 'Primary Residence'. - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Uploaded executed 1003 - Seller-01/10/2022

Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-01/11/2022  Resolved-Received 1003 - Due Diligence Vendor-01/11/2022

[redacted]-Executed 1003.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

206419

XXXXXXX_CSMC_2022-NQM3-36

[redacted]

A

A

A

A

A

A

A

A

A

A

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-37

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-38

[redacted]

A

A

A

A

A

A

A

A

Closed

FCRE6914

2021-12-13 23:43

2022-01-13 23:40

Resolved

1 - Information

A

A

Credit

Missing Doc

Borrower 2 Citizenship Documentation Not Provided

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-01/14/2022 Rescinded-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-12/14/2021

Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-01/14/2022  Rescinded-Borrower 2 Citizenship Documentation Is Missing - Due Diligence Vendor-12/14/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

202965

XXXXXXX_CSMC_2022-NQM3-39

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7347

2022-02-24 16:07

2022-03-08 08:59

Resolved

1 - Information

A

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Documented Month to month from prior owner - Due Diligence Vendor-03/08/2022 Open- - Due Diligence Vendor-02/24/2022

Resolved-Documented Month to month from prior owner - Due Diligence Vendor-03/08/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

318577

XXXXXXX_CSMC_2022-NQM3-39

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7756

2022-01-09 11:58

2022-01-14 00:08

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022 Resolved- - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-01/09/2022 Open-Credit Report is Missing Credit cap not required - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. Uploaded Credit Report - Seller-01/09/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022

[redacted]_LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

202985

XXXXXXX_CSMC_2022-NQM3-40

[redacted]

C

A

A

A

A

A

C

A

Closed

FVAL1039

2021-12-18 11:30

2022-02-28 14:45

Resolved

1 - Information

C

A

Property

Missing Doc

Appraised value unsupported

Resolved-Document Uploaded. New AVM supports original appraisal  - Due Diligence Vendor-02/28/2022 Unable to Resolve- - Due Diligence Vendor-02/28/2022 Open-Desk Review does not support original appraisal. DR Note: INCONCLUSIVE, Not enough verifiable data to reach a credible conclusion.  - Due Diligence Vendor-01/09/2022 Open-AVM/BPO does not support value. Ordered desk review.  - Due Diligence Vendor-12/18/2021

Resolved-Document Uploaded. New AVM supports original appraisal  - Due Diligence Vendor-02/28/2022

[redacted].pdf [redacted]_Condition AVM_2.28.22.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

211756

XXXXXXX_CSMC_2022-NQM3-41

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7347

2022-01-09 12:27

2022-01-12 11:06

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved- - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded the Lease agreement - Seller-01/09/2022 Open-BPD DSCR refinance, lease agreement not provided - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. Uploaded the Lease agreement - Seller-01/09/2022

[redacted]-LEASE AGREEMENT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

202928

XXXXXXX_CSMC_2022-NQM3-41

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7756

2022-01-09 12:27

2022-01-12 11:06

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded the credit report - Seller-01/09/2022 Open-Credit Report is Missing Qualifying credit report not provided - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. Uploaded the credit report - Seller-01/09/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/12/2022

[redacted]-LENDER CREDIT REPORT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

202929

XXXXXXX_CSMC_2022-NQM3-42

[redacted]

D

A

A

A

A

A

D

A

Closed

FPRO1242

2022-01-09 11:55

2022-01-13 22:52

Resolved

1 - Information

D

A

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/11/2022 Resolved- - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-01/09/2022 Open-Appraisal is Missing in package - Due Diligence Vendor-12/14/2021

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-01/09/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/11/2022

[redacted]-APPRAISAL.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

No Cash Out - Borrower Initiated

202955

XXXXXXX_CSMC_2022-NQM3-43

[redacted]

D

A

A

A

D

A

A

A

Closed

FCOM4247

2022-01-09 12:21

2022-01-11 16:24

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved- - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded Final CS - Seller-01/09/2022 Open-not in file - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. Uploaded Final CS - Seller-01/09/2022

[redacted]-FINAL CLOSING STATEMENT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

214243

XXXXXXX_CSMC_2022-NQM3-44

[redacted]

D

A

D

A

A

A

A

A

Closed

123ABJ

2022-01-21 09:38

2022-01-24 15:04

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing VVOE dated within 10 days consummation

Resolved-Documentation provided resolved Finding. - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-01/21/2022 Counter-Per Guidelines page 31, due to COVID VVOE required for all borrowers. " A Verbal VOE 72 hours prior to docs will be required for employed borrowers and self-employed borrowers to verify the business is open and functioning at a level that supports borrowers’ income." - Due Diligence Vendor-01/11/2022 Ready for Review-Bank statement loan we do not required VVOE see updated guideline date [redacted]. Loan was funded on 11/30/2021 - Seller-01/10/2022 Open-Per Guidelines: Required due to COVID  " A Verbal VOE 72 hours prior to docs will be required for employed borrowers and self-employed borrowers to verify the business is open and functioning at a level that supports borrowers’ income."  page 32 of guidelines - Due Diligence Vendor-01/05/2022 Open- - Due Diligence Vendor-12/20/2021

Ready for Review-Document Uploaded. Uploaded VVOE. - Seller-01/21/2022  Ready for Review-Bank statement loan we do not required VVOE see updated guideline date [redacted]. Loan was funded on [redacted] - Seller-01/10/2022

Resolved-Documentation provided resolved Finding. - Due Diligence Vendor-01/24/2022

[redacted] - Verbal Verification of Self-Employment.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

214206

XXXXXXX_CSMC_2022-NQM3-44

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1344

2022-01-11 12:19

2022-01-11 13:20

Resolved

1 - Information

C

A

Credit

Income/Employment

Borrower 1 Business Bank Statements Less Than 12 Months Provided

Resolved- - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded Aug and Sep Bank statements and the correct DTI worksheet - Seller-01/11/2022 Open-Business bank statements less than 12 months provided. August & September -2021 statements are missing in File. - Due Diligence Vendor-12/15/2021

Ready for Review-Document Uploaded. Uploaded Aug and Sep Bank statements and the correct DTI worksheet - Seller-01/11/2022

[redacted]-Bank Statement Income Analysis-[redacted].pdf [redacted]-BANK STATEMENTS 9.2021.pdf [redacted]-BANK STATEMENTS 8.2021.pdf [redacted]-DTI Worksheet - [redacted].pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

205847

XXXXXXX_CSMC_2022-NQM3-45

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7347

2022-01-09 12:05

2022-01-12 12:17

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved- - Due Diligence Vendor-01/12/2022 Ready for Review-Recevied Leases - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded Lease Agreement and Management Agreement - Seller-01/09/2022 Open-Per Guideline for Business Purpose DSCR a Lease and 1007 are required in file. According to Appraisal there is a tenant, file does not have lease agreement in file.  - Due Diligence Vendor-12/10/2021

Ready for Review-Recevied Leases - Due Diligence Vendor-01/12/2022  Ready for Review-Document Uploaded. Uploaded Lease Agreement and Management Agreement - Seller-01/09/2022

[redacted]-LEASE AGREEMENT.pdf [redacted]-LEASE AGREEMENT (1).pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

199386

XXXXXXX_CSMC_2022-NQM3-46

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1964

2022-01-09 14:35

2022-01-12 11:09

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing income documentation

Resolved- - Due Diligence Vendor-01/12/2022 Ready for Review-Document Uploaded. Uploaded Bank Statement -Asset Depletion  - Seller-01/09/2022 Open-CPA letter in the file but there is no other income documentation.  - Due Diligence Vendor-12/21/2021

Ready for Review-Document Uploaded. Uploaded Bank Statement -Asset Depletion  - Seller-01/09/2022

BANK STATEMENTS-[redacted].pdf BUSINESS BANK STATEMENTS-Preferred.pdf DTI WORKSHEET.pdf Asset Depletion worksheet.pdf BANK STATEMENTS-[redacted].pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

215408

XXXXXXX_CSMC_2022-NQM3-47

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-48

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

XXXXXXX_CSMC_2022-NQM3-49

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

XXXXXXX_CSMC_2022-NQM3-50

[redacted]

D

A

D

A

A

A

A

A

Closed

123ABJ

2022-01-11 10:35

2022-01-11 16:49

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing VVOE dated within 10 days consummation

Resolved-Received VOE - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded VVOE - Seller-01/11/2022 Open-Missing 3 day VVOE primary job. - Hybrid docs. Traditional full for primary and 24 mos bnk stmts for Self Employment 2nd job. - Due Diligence Vendor-12/13/2021

Ready for Review-Document Uploaded. Uploaded VVOE - Seller-01/11/2022

Resolved-Received VOE - Due Diligence Vendor-01/11/2022

[redacted] - Verbal VOE.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

201321

XXXXXXX_CSMC_2022-NQM3-51

[redacted]

C

A

C

A

A

A

A

A

Closed

FCRE1194

2022-02-07 18:13

2022-02-28 14:12

Resolved

1 - Information

C

A

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Resolved-Audited LTV of % is less than or equal to Guideline LTV of % - Due Diligence Vendor-02/28/2022 Acknowledged-Exception excepted - Due Diligence Vendor-02/16/2022 Ready for Review-Document Uploaded. Uploaded exceptions- We do not require  minimum of  3 comp factor - 2 comp factor listed  exception are approved on a case by case basis  - Seller-02/08/2022 Open-The DTI of 83.33% is over the guideline max DTI of [redacted] - Due Diligence Vendor-12/28/2021

Ready for Review-Document Uploaded. Uploaded exceptions- We do not require  minimum of  3 comp factor - 2 comp factor listed  exception are approved on a case by case basis  - Seller-02/08/2022

Resolved-Audited LTV of % is less than or equal to Guideline LTV of % - Due Diligence Vendor-02/28/2022  Acknowledged-Exception excepted - Due Diligence Vendor-02/16/2022

[redacted]-Exception.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

222972

XXXXXXX_CSMC_2022-NQM3-52

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7347

2022-01-20 15:32

2022-01-24 15:05

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Documentation provided resolved Finding - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-01/20/2022 Counter-Nothing uploaded - Due Diligence Vendor-01/11/2022 Ready for Review-Uploaded lease agreement - Seller-01/07/2022 Open-Business Purpose – DSCR, lease agreement not provided for refinance - Due Diligence Vendor-12/23/2021

Ready for Review-Document Uploaded. Uploaded lease agreement - Seller-01/20/2022  Ready for Review-Uploaded lease agreement - Seller-01/07/2022

Resolved-Documentation provided resolved Finding - Due Diligence Vendor-01/24/2022

[redacted]_LEASE AGREEMENT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

218243

XXXXXXX_CSMC_2022-NQM3-53

[redacted]

A

A

A

A

A

A

A

A

A

A

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_CSMC_2022-NQM3-54

[redacted]

D

A

D

A

A

A

D

A

Closed

FCRE7756

2022-01-07 15:11

2022-01-11 16:30

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-01/11/2022 Resolved-Received credit report - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded credit report. - Seller-01/07/2022 Open-Credit Report is Missing Correct - Due Diligence Vendor-12/24/2021

Ready for Review-Document Uploaded. Uploaded credit report. - Seller-01/07/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-01/11/2022  Resolved-Received credit report - Due Diligence Vendor-01/11/2022

[redacted] - LENDER CREDIT REPORT.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

220270

XXXXXXX_CSMC_2022-NQM3-54

[redacted]

D

A

D

A

A

A

D

A

Closed

FPRO1242

2022-01-07 15:10

2022-01-11 16:11

Resolved

1 - Information

D

A

Property

Missing Doc

Appraisal is Missing

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/11/2022 Resolved-Received appraisal - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-01/07/2022 Open-Appraisal is Missing Correct - Due Diligence Vendor-12/24/2021

Ready for Review-Document Uploaded. Uploaded Appraisal - Seller-01/07/2022

Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-01/11/2022  Resolved-Received appraisal - Due Diligence Vendor-01/11/2022

[redacted] - APPRAISAL.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

220273

XXXXXXX_CSMC_2022-NQM3-55

[redacted]

C

A

A

A

C

A

A

A

Closed

finding-3532

2022-01-12 15:06

2022-01-24 15:10

Resolved

1 - Information

C

A

Compliance

TRID

Initial Closing Disclosure Delivery Date Test

Resolved-Waiver documentation provided resolved Finding. - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. The borrower received the initial CD on 12/13/21 then provided a Financial Hardship Waiver requesting to waive the 3 day cool down period.  Please see the waiver uploaded. - Seller-01/12/2022 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. Initial CD issued [redacted], pg 128 signed / consummation date [redacted] and Final CD issued [redacted], pg 716 signed / consummation date [redacted], less than 3 days of delivery. - Due Diligence Vendor-01/03/2022 Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f)(1)(ii) )The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-01/03/2022

Ready for Review-Document Uploaded. The borrower received the initial CD on [redacted] then provided a Financial Hardship Waiver requesting to waive the 3 day cool down period.  Please see the waiver uploaded. - Seller-01/12/2022

Resolved-Waiver documentation provided resolved Finding. - Due Diligence Vendor-01/24/2022

[redacted] - WAIVER LETTER- BORROWER.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

229026

XXXXXXX_CSMC_2022-NQM3-56

[redacted]

C

A

A

A

C

A

A

A

Closed

FCOM2276

2022-01-12 16:08

2022-01-24 15:16

Resolved

1 - Information

A

A

Compliance

TRID

Final CD: Disbursement Date is missing or inaccurate

Resolved-CD documentation and evidence of delivery resolved Finding. - Due Diligence Vendor-01/24/2022 Ready for Review-Document Uploaded. Please see the updated PC CD & Settlement Statement reflecting [redacted] as the disbursement date & [redacted] as the Closing Date + updated seller fees/costs. - Seller-01/12/2022 Open-It appears that the dates for delivery in the final CD were inaccurate however closing did occur on the [redacted]. Borrower did not sign until [redacted]. Please provided evidence that Final CD was delivered either electronically on in-person on the closing date of the day of closing [redacted]. - Due Diligence Vendor-01/07/2022

Ready for Review-Document Uploaded. Please see the updated PC CD & Settlement Statement reflecting [redacted] as the disbursement date & [redacted]as the Closing Date + updated seller fees/costs. - Seller-01/12/2022

Resolved-CD documentation and evidence of delivery resolved Finding. - Due Diligence Vendor-01/24/2022

[redacted] - Proof of Delivery of Post-closing CD.pdf [redacted] - Post-closing CD.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

239236

XXXXXXX_CSMC_2022-NQM3-56

[redacted]

C

A

A

A

C

A

A

A

Closed

finding-3540

2022-01-03 12:39

2022-01-07 12:52

Resolved

1 - Information

C

A

Compliance

TRID

Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test

Resolved-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-01/03/2022 Resolved-Resolved - Due Diligence Vendor-01/07/2022

Resolved-This loan failed the revised closing disclosure delivery date test (no waiting period required). ( 12 CFR §1026.19(f)(2)(i) )The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. - Due Diligence Vendor-01/03/2022  Resolved-Resolved - Due Diligence Vendor-01/07/2022

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

228548

XXXXXXX_CSMC_2022-NQM3-56

[redacted]

C

A

A

A

C

A

A

A

Closed

finding-3440

2022-01-03 12:39

2022-01-07 12:47

Resolved

1 - Information

A

A

Compliance

Points & Fees

GSE (Freddie Mac public guidelines) Loan Term Test

Resolved-Resolved - Due Diligence Vendor-01/07/2022 Rescinded-This loan failed the loan term test. ( Freddie Mac Bulletin 2013-16 )The loan term exceeds 30 years. Mortgages must not have terms exceeding 30 years to be eligible for sale to Freddie Mac. - Due Diligence Vendor-01/03/2022

Resolved-Resolved - Due Diligence Vendor-01/07/2022  Rescinded-This loan failed the loan term test. ( Freddie Mac Bulletin 2013-16 )The loan term exceeds 30 years. Mortgages must not have terms exceeding 30 years to be eligible for sale to Freddie Mac. - Due Diligence Vendor-01/03/2022

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Purchase

NA

228544

XXXXXXX_CSMC_2022-NQM3-57

[redacted]

D

A

D

A

A

A

C

A

Closed

FCRE7347

2022-01-31 12:41

2022-02-01 13:26

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lender addressed.  Unavailable due to Delayed financing purchase transaction - Due Diligence Vendor-02/01/2022 Ready for Review-"This was delayed purchase financing - they just closed on the purchase. The appraisal in the file was from the purchase. There was no current lease at the time of closing "  - Seller-01/31/2022 Open-Business purpose DSCR refinance, lease not provided - Due Diligence Vendor-12/27/2021

Ready for Review-"This was delayed purchase financing - they just closed on the purchase. The appraisal in the file was from the purchase. There was no current lease at the time of closing "  - Seller-01/31/2022

Resolved-Lender addressed.  Unavailable due to Delayed financing purchase transaction - Due Diligence Vendor-02/01/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

221719

XXXXXXX_CSMC_2022-NQM3-57

[redacted]

D

A

D

A

A

A

C

A

Closed

FVAL1039

2021-12-27 12:06

2021-12-30 11:02

Resolved

1 - Information

C

A

Property

Missing Doc

Appraised value unsupported

Resolved-BPO supports original appraisal  - Due Diligence Vendor-12/30/2021 Open-AVM does not support value, Ordered BPO.  - Due Diligence Vendor-12/27/2021

Resolved-BPO supports original appraisal  - Due Diligence Vendor-12/30/2021

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

221446

XXXXXXX_CSMC_2022-NQM3-58

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE1241

2022-01-10 12:07

2022-01-11 14:19

Resolved

1 - Information

D

A

Credit

Missing Doc

Purchase Contract is Missing

Resolved-Received Purchase Contract - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-01/10/2022 Open-Full purchase contract not provided.  Closing extension in file.  - Due Diligence Vendor-12/27/2021

Ready for Review-Document Uploaded. Uploaded purchase contract - Seller-01/10/2022

Resolved-Received Purchase Contract - Due Diligence Vendor-01/11/2022

[redacted] - PURCHASE CONTRACT.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

220503

XXXXXXX_CSMC_2022-NQM3-59

[redacted]

A

A

A

A

A

A

A

A

Closed

FCRE1254

2022-01-06 16:47

2022-01-10 14:09

Resolved

1 - Information

A

A

Credit

Title

Property Title Issue

Resolved-Document Uploaded. clear final title - Due Diligence Vendor-01/10/2022 Open-Property Title Issue / Title Policy to be issued with the Release of Federal Tax Lien against [redacted] and[redacted]r filed[redacted] recorded in Instrument [redacted] of the Public Records of[redacted] - Due Diligence Vendor-01/06/2022

Resolved-Document Uploaded. clear final title - Due Diligence Vendor-01/10/2022

[redacted]_FINAL TITLE POLICY.pdf

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

237594

XXXXXXX_CSMC_2022-NQM3-60

[redacted]

D

A

D

A

A

A

A

A

Closed

FCRE7347

2022-02-07 18:10

2022-02-08 12:01

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lease Agreement

Resolved-Lease agreement entered.  Finding resolved.  - Due Diligence Vendor-02/08/2022 Ready for Review-Document Uploaded. Uploaded  lease and DSCR in file  - Seller-02/08/2022 Open-Business purpose - DSCR refinance: lease not provided - Due Diligence Vendor-12/26/2021

Ready for Review-Document Uploaded. Uploaded  lease and DSCR in file  - Seller-02/08/2022

Resolved-Lease agreement entered.  Finding resolved.  - Due Diligence Vendor-02/08/2022

[redacted]-Lease aggremment 1303 7 pages.pdf [redacted]-DSCR 10238x.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

220426

XXXXXXX_CSMC_2022-NQM3-61

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_CSMC_2022-NQM3-62

[redacted]

A

A

A

A

A

A

A

A

A

A

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Cash Out - Other

XXXXXXX_CSMC_2022-NQM3-63

[redacted]

D

A

D

A

D

A

A

A

Closed

FCRE7756

2022-01-31 13:07

2022-02-01 13:49

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing credit report

Resolved-Credit Report is Provided - Due Diligence Vendor-02/01/2022 Resolved- - Due Diligence Vendor-02/01/2022 Ready for Review-Document Uploaded. See OFAC clearance, credit report and passport in file  - Seller-01/31/2022 Open-Credit Report is Missing Borrowers are US citizens and credit is required.  No report in file - Due Diligence Vendor-01/05/2022 Open-Credit Report is Missing - Due Diligence Vendor-01/05/2022

Ready for Review-Document Uploaded. See OFAC clearance, credit report and passport in file  - Seller-01/31/2022

Resolved-Credit Report is Provided - Due Diligence Vendor-02/01/2022

[redacted]-Passport.pdf [redacted] - LENDER CREDIT REPORT.pdf [redacted]-OFAC CLEARANCE.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

232965

XXXXXXX_CSMC_2022-NQM3-63

[redacted]

D

A

D

A

D

A

A

A

Closed

FCOM4247

2022-01-11 09:50

2022-01-11 13:08

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved-Hud received - Due Diligence Vendor-01/11/2022 Ready for Review-Document Uploaded. Uploaed final HUD - Seller-01/11/2022 Open-Final HUD not in file.  Only estimated HUD found.  - Due Diligence Vendor-01/05/2022

Ready for Review-Document Uploaded. Uploaed final HUD - Seller-01/11/2022

Resolved-Hud received - Due Diligence Vendor-01/11/2022

[redacted] - FINAL CLOSING STATEMENT Seller.pdf [redacted] - FINAL CLOSING STATEMENT Buyer.pdf

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Purchase

NA

232961

XXXXXXX_CSMC_2022-NQM3-64

[redacted]

A

A

A

A

A

A

A

A

A

A

Non-QM: Lender documented all ATR UW factors

Non-QM: Lender documented all ATR UW factors

[redacted]

[redacted]

Primary Residence

Refinance

Cash Out - Other

XXXXXXX_CSMC_2022-NQM3-65

[redacted]

C

A

A

A

A

A

C

A

Closed

FCRE1182

2022-01-04 11:14

2022-02-28 14:22

Resolved

1 - Information

A

A

Credit

Missing Doc

Approval/Underwriting Summary Not Provided

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/28/2022 Rescinded-Missing DSCR Calculation Worksheet. - Due Diligence Vendor-01/04/2022

Resolved-Approval/Underwriting Summary is fully present - Due Diligence Vendor-02/28/2022  Rescinded-Missing DSCR Calculation Worksheet. - Due Diligence Vendor-01/04/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

231415

XXXXXXX_CSMC_2022-NQM3-65

[redacted]

C

A

A

A

A

A

C

A

Closed

FVAL1039

2022-01-04 11:19

2022-01-14 08:48

Resolved

1 - Information

C

A

Property

Missing Doc

Appraised value unsupported

Resolved-Desk Review supports original appraisal  - Due Diligence Vendor-01/14/2022 Open-AVM/BPO does not support value. Ordered desk review.  - Due Diligence Vendor-01/04/2022

Resolved-Desk Review supports original appraisal  - Due Diligence Vendor-01/14/2022

ATR/QM: Exempt

ATR/QM: Exempt

[redacted]

[redacted]

Investment

Refinance

Limited Cash Out - >2% of Loan Amount or $2000

231438