Exhibit 99.5
Exception Grade Detail
CSMC_2022-NQM6
Run Date - 12/6/2022 16:30:00 PM
| Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| XXXXXXX_CSMC_2022-NQM6-1 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2022-07-22 08:57 | 2022-08-16 11:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Per uploaded letter, Tenant moved out and property is no longer rented - Due Diligence Vendor-08/16/2022 Ready for Review-Uploaded Rebuttal Response. - Due Diligence Vendor-08/15/2022 Open- - Due Diligence Vendor-07/22/2022 |
Resolved-Per uploaded letter, Tenant moved out and property is no longer rented - Due Diligence Vendor-08/16/2022 |
788467_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 565489 | |||
| XXXXXXX_CSMC_2022-NQM6-2 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1159 | 2022-07-21 15:53 | 2022-08-23 09:17 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received proof of insurance - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded hazard insurance - Due Diligence Vendor-08/19/2022 Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] Loan funded on [redacted] as well. - Due Diligence Vendor-07/21/2022 |
Resolved-Received proof of insurance - Due Diligence Vendor-08/23/2022 |
789200_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 564467 | |||
| XXXXXXX_CSMC_2022-NQM6-3 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-21 13:34 | 2022-07-27 15:04 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/21/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 564028 | ||||
| XXXXXXX_CSMC_2022-NQM6-4 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCRE1201 | 2022-07-21 14:38 | 2022-11-18 09:41 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded credit report with OFAC - Due Diligence Vendor-08/11/2022 Open-Missing Third Party Fraud Report Missing credit report, so not able to see if it's on that. - Due Diligence Vendor-07/21/2022 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-08/12/2022 |
788148_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 564248 | |||
| XXXXXXX_CSMC_2022-NQM6-5 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCRE5770 | 2022-07-27 13:31 | 2022-11-15 13:28 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/12/2022 Resolved-Received credit report - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded credit report - Due Diligence Vendor-08/11/2022 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-07/27/2022 |
Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-08/12/2022 Resolved-Received credit report - Due Diligence Vendor-08/12/2022 |
788149_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 574112 | |||
| XXXXXXX_CSMC_2022-NQM6-6 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2022-07-21 13:53 | 2022-08-12 13:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-08/12/2022 Ready for Review-Uploaded recorded mortgage - Due Diligence Vendor-08/11/2022 Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/21/2022 |
Resolved-- 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-08/12/2022 Resolved-- 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-07/28/2022 |
788150_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 564077 | |||
| XXXXXXX_CSMC_2022-NQM6-7 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:15 | 2022-07-29 11:33 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-07/29/2022 Open-AVM does not support appraised value. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-07/29/2022 |
5448100_[redacted]_MissionGlobal_7.21.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 563240 | |||
| XXXXXXX_CSMC_2022-NQM6-8 | [redacted] | [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-NQM6-9 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-22 11:51 | 2022-07-27 05:25 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording Creditor file closed within past 60 days and mortgage has been sent for recording. It will be provided upon receipt. - Due Diligence Vendor-07/22/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 566217 | ||||
| XXXXXXX_CSMC_2022-NQM6-10 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCRE7347 | 2022-07-21 13:35 | 2022-08-12 13:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lease - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded lease agreement. - Due Diligence Vendor-08/11/2022 Open-Lease for subject property not in PDF. Loan is a refinance. - Due Diligence Vendor-07/21/2022 |
Resolved-Received lease - Due Diligence Vendor-08/12/2022 |
788242_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 564031 | |||
| XXXXXXX_CSMC_2022-NQM6-11 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:15 | 2022-07-29 09:40 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-07/24/2022 Open-AVM does not support appraised value. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 |
5448097_[redacted]_MissionGlobal_7.21.2022.pdf BPD2022060371.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 563236 | |||
| XXXXXXX_CSMC_2022-NQM6-12 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-21 09:05 | 2022-07-27 05:32 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/21/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 562942 | ||||
| XXXXXXX_CSMC_2022-NQM6-13 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:16 | 2022-07-29 10:01 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. AVM does not support appraised value. Ordered BPO. ___AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 |
5448106_[redacted]_MissionGlobal_7.21.2022.pdf BPND2022050355.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 563246 | |||
| XXXXXXX_CSMC_2022-NQM6-14 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2022-07-21 20:09 | 2022-07-27 15:13 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 564623 | ||||
| XXXXXXX_CSMC_2022-NQM6-15 | [redacted] | [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-NQM6-16 | [redacted] | [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-NQM6-17 | [redacted] | [redacted] | C | A | A | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:14 | 2022-07-25 12:29 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-07/25/2022 Open-AVM could not be generated. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-07/25/2022 |
5448088_[redacted]_MissionGlobal_7.21.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 563217 | |||
| XXXXXXX_CSMC_2022-NQM6-18 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-25 06:40 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording Evidence Of Mortgage recording is missing - Due Diligence Vendor-07/26/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567525 | ||||
| XXXXXXX_CSMC_2022-NQM6-19 | [redacted] | [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-NQM6-20 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:14 | 2022-07-28 12:33 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. - Due Diligence Vendor-07/28/2022 Resolved-BPO supports original appraisal. - Due Diligence Vendor-07/28/2022 Open-AVM could not be generated. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. - Due Diligence Vendor-07/28/2022 Resolved-BPO supports original appraisal. - Due Diligence Vendor-07/28/2022 |
5448093_[redacted]_MissionGlobal_7.21.2022.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 563223 | |||
| XXXXXXX_CSMC_2022-NQM6-21 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2022-07-21 11:31 | 2022-07-27 05:43 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/21/2022 |
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-07/27/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 563558 | ||||
| XXXXXXX_CSMC_2022-NQM6-22 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-25 04:32 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording Evidence Of Mortgage recording is missing - Due Diligence Vendor-07/25/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 567416 | ||||
| XXXXXXX_CSMC_2022-NQM6-23 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1167 | 2022-07-22 12:58 | 2022-08-23 09:32 | Resolved | 1 - Information | C | A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Received adequate insurance info - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded RCE - Due Diligence Vendor-08/22/2022 Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of [redacted] is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Hazard Insurance Policy (page 167) for [redacted] was the only policy located in file data. No evidence of the Replacement Cost Estimator - Due Diligence Vendor-07/22/2022 |
Resolved-Received adequate insurance info - Due Diligence Vendor-08/23/2022 |
789385_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 566540 | |||
| XXXXXXX_CSMC_2022-NQM6-24 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2022-07-22 12:15 | 2022-08-23 09:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received DSCR worksheet - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded DSCR - Due Diligence Vendor-08/19/2022 Open-Missing DSCR calculation Worksheet - Due Diligence Vendor-07/22/2022 |
Resolved-Received DSCR worksheet - Due Diligence Vendor-08/23/2022 |
789268_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 566325 | |||
| XXXXXXX_CSMC_2022-NQM6-25 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE8012 | 2022-07-23 07:38 | 2022-08-12 14:14 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Purchase Contract | Resolved-Received contract - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded purchase contract - Due Diligence Vendor-08/11/2022 Open-Missing Purchase Contract in File Data -- pulled purchase info from Appraisal, HUD-1 Settlement and Executive Summary - Due Diligence Vendor-07/23/2022 |
Resolved-Received contract - Due Diligence Vendor-08/12/2022 |
788189_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567143 | |||
| XXXXXXX_CSMC_2022-NQM6-26 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-22 11:58 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 566234 | ||||
| XXXXXXX_CSMC_2022-NQM6-27 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FCRE1964 | 2022-07-25 09:46 | 2022-08-12 14:26 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | Resolved-Received leases to support rent received - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded Lease Agreement and LOE. - Due Diligence Vendor-08/11/2022 Open-Borrower getting Accessory unit income but we don't have any supporting document. - Due Diligence Vendor-07/25/2022 |
Resolved-Received leases to support rent received - Due Diligence Vendor-08/12/2022 |
788193_1.pdf 788193_2.pdf 788193_3.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 | N/A | N/A | 568314 | |||
| XXXXXXX_CSMC_2022-NQM6-28 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FCRE1161 | 2022-07-21 09:12 | 2022-08-12 14:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present Flood cert received - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded flood cert - Due Diligence Vendor-08/11/2022 Open-Missing Flood Certificate Flood Certificate missing in the file - Due Diligence Vendor-07/21/2022 |
Resolved-Flood Certificate is fully present Flood cert received - Due Diligence Vendor-08/12/2022 |
788192_1.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 | N/A | N/A | 562974 | |||
| XXXXXXX_CSMC_2022-NQM6-29 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2022-07-21 10:14 | 2022-07-29 10:05 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. BPO does not support value. Ordered desk review. - Due Diligence Vendor-07/25/2022 Open-AVM could not be generated. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 |
5448094_[redacted]_MissionGlobal_7.21.2022.pdf CPE2022050599.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 | N/A | N/A | 563232 | |||
| XXXXXXX_CSMC_2022-NQM6-30 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2022-07-21 09:13 | 2022-07-29 10:04 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/28/2022 Resolved-Received Appraisal - Due Diligence Vendor-07/28/2022 Ready for Review-Uploaded appraisal - Due Diligence Vendor-07/25/2022 Open-Appraisal is Missing Appraisal Document is missing in the file - Due Diligence Vendor-07/21/2022 |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-07/28/2022 Resolved-Received Appraisal - Due Diligence Vendor-07/28/2022 |
785703_1.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 | N/A | N/A | 562975 | |||
| XXXXXXX_CSMC_2022-NQM6-31 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FCOM4028 | 2022-07-21 08:15 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording Evidence Of Mortgage Recording is missing - Due Diligence Vendor-07/21/2022 |
Resolved-- 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-07/28/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 562695 | ||||
| XXXXXXX_CSMC_2022-NQM6-32 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FPRO1242 | 2022-07-21 12:40 | 2022-08-12 14:31 | Resolved | 1 - Information | D | A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/12/2022 Resolved-Received appraisal - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded appraisal - Due Diligence Vendor-08/11/2022 Open-Appraisal is Missing Appraisal document is missing in the file. - Due Diligence Vendor-07/21/2022 |
Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-08/12/2022 Resolved-Received appraisal - Due Diligence Vendor-08/12/2022 |
788195_1.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 | N/A | N/A | 563823 | |||
| XXXXXXX_CSMC_2022-NQM6-33 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | 123ABJ | 2022-07-21 13:00 | 2022-08-12 14:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received voe prior to close - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded VVOE - Due Diligence Vendor-08/11/2022 Open-VERBAL VOE IS MISSING IN THE FILE - Due Diligence Vendor-07/21/2022 |
Resolved-Received voe prior to close - Due Diligence Vendor-08/12/2022 |
788196_1.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 | N/A | N/A | 563896 | |||
| XXXXXXX_CSMC_2022-NQM6-34 | [redacted] | [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-NQM6-35 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-21 08:50 | 2022-07-25 11:23 | Resolved | 1 - Information | D | A | Credit | 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-07/25/2022 Open-Missing evidence of Mortgage recording Mortgage is not Recorded / Not sent for Recording. - Due Diligence Vendor-07/21/2022 |
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-07/25/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 562856 | ||||
| XXXXXXX_CSMC_2022-NQM6-36 | [redacted] | [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-NQM6-37 | [redacted] | [redacted] | D | B | D | A | A | A | C | B | Closed | FVAL1039 | 2022-07-21 10:15 | 2022-08-09 14:48 | Acknowledged | 2 - Non-Material | C | B | Property | Value | Appraised value unsupported | Acknowledged-Document Uploaded. Drive by appraisal is lower than original. Using drive by value for ltv - Due Diligence Vendor-08/09/2022 Open-External Appraisal has been ordered. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. Desk Review does not supports original appraisal. DR Note: INCONCLUSIVE. Not enough verifiable data to reach a credible conclusion. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. AVM does not support appraised value. Ordered BPO. ___AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-07/21/2022 |
Acknowledged-Document Uploaded. Drive by appraisal is lower than original. Using drive by value for ltv - Due Diligence Vendor-08/09/2022 |
5448102_[redacted]_MissionGlobal_7.21.2022.pdf [redacted].pdf 5452309_[redacted]_MissionGlobal_7.29.2022.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 563243 | |||
| XXXXXXX_CSMC_2022-NQM6-38 | [redacted] | [redacted] | D | B | D | A | A | A | C | B | Closed | FCOM4028 | 2022-07-25 05:06 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/25/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 567423 | ||||
| XXXXXXX_CSMC_2022-NQM6-39 | [redacted] | [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-NQM6-40 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-25 07:06 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/25/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 567567 | ||||
| XXXXXXX_CSMC_2022-NQM6-41 | [redacted] | [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-NQM6-42 | [redacted] | [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-NQM6-43 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2022-07-21 08:45 | 2022-09-12 13:15 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received upated insurance - Due Diligence Vendor-09/12/2022 Ready for Review-Uploaded hazard insurance. - Due Diligence Vendor-09/09/2022 Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of 07-05-2022 - Due Diligence Vendor-07/21/2022 |
Resolved-Received upated insurance - Due Diligence Vendor-09/12/2022 |
791803_1.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 | N/A | N/A | 562823 | |||
| XXXXXXX_CSMC_2022-NQM6-44 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-21 21:10 | 2022-07-26 14:51 | Resolved | 1 - Information | D | A | Credit | 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-07/26/2022 Open-Missing evidence of Mortgage recording Evidence of Mortgage recorded missing in the file. - Due Diligence Vendor-07/22/2022 |
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-07/26/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 564636 | ||||
| XXXXXXX_CSMC_2022-NQM6-45 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:14 | 2022-08-01 13:25 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/01/2022 Open-BPO not available, ordered DR. - Due Diligence Vendor-07/28/2022 Open-AVM does not support appraised value. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/01/2022 |
[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 563233 | |||
| XXXXXXX_CSMC_2022-NQM6-46 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2022-07-23 08:18 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/23/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 567146 | ||||
| XXXXXXX_CSMC_2022-NQM6-47 | [redacted] | [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-NQM6-48 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-24 09:03 | 2022-07-27 14:58 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/24/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 567220 | ||||
| XXXXXXX_CSMC_2022-NQM6-49 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-21 10:45 | 2022-07-25 11:27 | Resolved | 1 - Information | D | A | Credit | 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-07/25/2022 Open-Missing evidence of Mortgage recording Evidence of Recorded Mortgage document is missing. - Due Diligence Vendor-07/21/2022 |
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-07/25/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 563337 | ||||
| XXXXXXX_CSMC_2022-NQM6-50 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-22 10:55 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 565971 | ||||
| XXXXXXX_CSMC_2022-NQM6-51 | [redacted] | [redacted] | C | A | C | A | A | A | C | A | Closed | FCRE1491 | 2022-07-22 08:57 | 2022-08-23 09:34 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received updated statement - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded assets. - Due Diligence Vendor-08/19/2022 Open-Asset Qualification Does Not Meet Guideline Requirements Asset verification is stale dated. Last available balance information from bwrs' accounts are dated [redacted], which covers the EMD period. No verification of funds to close in 07/2022 present. - Due Diligence Vendor-07/22/2022 |
Resolved-Received updated statement - Due Diligence Vendor-08/23/2022 |
789273_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 565490 | |||
| XXXXXXX_CSMC_2022-NQM6-52 | [redacted] | [redacted] | C | A | C | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:16 | 2022-07-29 09:51 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. AVM does not support appraised value. Ordered BPO. ___AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-07/29/2022 |
5448104_[redacted]_MissionGlobal_7.21.2022.pdf BPD2022060420.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 563244 | |||
| XXXXXXX_CSMC_2022-NQM6-53 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-22 12:48 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 566467 | ||||
| XXXXXXX_CSMC_2022-NQM6-54 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1176 | 2022-07-25 03:15 | 2022-08-12 16:25 | Resolved | 1 - Information | C | A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received correct insurance - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded hazard insurance. - Due Diligence Vendor-08/11/2022 Open-HO-6 Insurance Policy Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-07/25/2022 |
Resolved-Received correct insurance - Due Diligence Vendor-08/12/2022 |
788227_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567385 | |||
| XXXXXXX_CSMC_2022-NQM6-55 | [redacted] | [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-NQM6-56 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-23 08:36 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/23/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567148 | ||||
| XXXXXXX_CSMC_2022-NQM6-57 | [redacted] | [redacted] | D | C | D | A | A | A | C | C | Closed | FVAL1039 | 2022-07-21 10:14 | 2022-12-01 16:12 | Acknowledged | 3 - Material | C | C | Property | Value | Appraised value unsupported | Acknowledged-Appraisal Value cannot be supported by secondary valuation. Appraiser did provide a reconciliation of value to support original appraised value. Finding grade remains a C. - Due Diligence Vendor-12/01/2022 Ready for Review-please see attached appraisal report - Due Diligence Vendor-11/29/2022 Acknowledged- - Due Diligence Vendor-11/11/2022 Unable to Resolve-Drive by in at $1,000,000 does not support original appraisal - Due Diligence Vendor-08/10/2022 Open-Document Uploaded. Drive by does not support value - Due Diligence Vendor-08/09/2022 Open-Document Uploaded. Desk Review does not supports original appraisal. DR note: HIGH RISK One or more of following issues are present: Greater than 10% value variance between OA and Review, significant deficiencies noted, report contains a major omission, absence of data that prevents a reasonable reconciliation of the report. External Appraisal will be ordered. - Due Diligence Vendor-07/29/2022 Open-Document Uploaded. AVM could not be generated. Ordered BPO. ___BPO does not support value. Ordered desk review. - Due Diligence Vendor-07/21/2022 |
Acknowledged-Appraisal Value cannot be supported by secondary valuation. Appraiser did provide a reconciliation of value to support original appraised value. Finding grade remains a C. - Due Diligence Vendor-12/01/2022 |
5448092_[redacted]_MissionGlobal_7.21.2022.pdf [redacted].pdf 5452310_[redacted]_MissionGlobal_7.29.2022.pdf 802478_1.pdf |
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 | Investor Post-Close | No | 563222 | |||
| XXXXXXX_CSMC_2022-NQM6-58 | [redacted] | [redacted] | D | C | D | A | A | A | C | C | Closed | FCOM4028 | 2022-07-22 06:19 | 2022-07-27 05:41 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
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-07/27/2022 |
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 | N/A | N/A | 564977 | ||||
| XXXXXXX_CSMC_2022-NQM6-59 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-23 08:27 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/23/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567147 | ||||
| XXXXXXX_CSMC_2022-NQM6-60 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FVAL1039 | 2022-07-21 10:16 | 2022-07-30 11:15 | Resolved | 1 - Information | C | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-07/30/2022 Open-AVM does not support appraised value. Ordered BPO - Due Diligence Vendor-07/21/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-07/30/2022 |
5452263_[redacted]_MissionGlobal_7.21.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 563245 | |||
| XXXXXXX_CSMC_2022-NQM6-61 | [redacted] | [redacted] | D | A | D | A | A | A | C | A | Closed | FCOM4028 | 2022-07-26 03:10 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording Recorded mortgage is missing. - Due Diligence Vendor-07/26/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 570005 | ||||
| XXXXXXX_CSMC_2022-NQM6-62 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-07-26 05:06 | 2022-07-27 14:58 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/26/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 570065 | ||||
| XXXXXXX_CSMC_2022-NQM6-63 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCRE1159 | 2022-07-22 10:09 | 2022-11-08 11:53 | Waived | 2 - Non-Material | C | B | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Waived-Per investor, accept insurance as is - Due Diligence Vendor-11/08/2022 Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] Loan disbursed [redacted] - No other amended policy located - Due Diligence Vendor-07/22/2022 |
Waived-Per investor, accept insurance as is - Due Diligence Vendor-11/08/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Investor Post-Close | No | 565817 | ||||
| XXXXXXX_CSMC_2022-NQM6-64 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2022-07-22 09:27 | 2022-07-27 15:39 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 565649 | ||||
| XXXXXXX_CSMC_2022-NQM6-65 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2022-07-24 07:21 | 2022-08-23 09:36 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception received: LTV of 70% exceeds Guideline LTV of 65% Max - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded Exception - Due Diligence Vendor-08/19/2022 Open-Audited LTV of 70% exceeds Guideline LTV of 65% Max LTV per [redacted] Matrix for Cash out FN is 65%. - Due Diligence Vendor-07/24/2022 |
Waived-Exception received: LTV of 70% exceeds Guideline LTV of 65% Max - Due Diligence Vendor-08/23/2022 |
Subject property owned for 4 years, purchased property in cash, pride of ownership, experienced investor | 789283_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 567217 | ||
| XXXXXXX_CSMC_2022-NQM6-66 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCOM4028 | 2022-07-24 06:41 | 2022-07-27 15:44 | Resolved | 1 - Information | D | A | Credit | 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-07/27/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/24/2022 |
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-07/27/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 567212 | ||||
| XXXXXXX_CSMC_2022-NQM6-67 | [redacted] | [redacted] | D | A | D | A | D | A | A | A | Closed | FCRE2109 | 2022-07-22 14:56 | 2022-09-15 11:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received DSCR worksheet - Due Diligence Vendor-09/15/2022 Ready for Review-Uploaded DSCR - Due Diligence Vendor-09/14/2022 Counter-This is not a No DSCR loan. We require worksheets on BPD loans - Due Diligence Vendor-08/26/2022 Ready for Review-Uploaded DSCR. - Due Diligence Vendor-08/25/2022 Counter-Per investor DSCR calc is required. - Due Diligence Vendor-08/12/2022 Ready for Review-DSCR not required. Uploaded rate sheet. - Due Diligence Vendor-08/11/2022 Open-DSCR calculation worksheet not provided in file - Due Diligence Vendor-07/22/2022 |
Resolved-Received DSCR worksheet - Due Diligence Vendor-09/15/2022 |
788241_1.pdf 789957_1.pdf 792364_1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 566962 | |||
| XXXXXXX_CSMC_2022-NQM6-68 | [redacted] | [redacted] | D | A | D | A | D | A | A | A | Closed | FCOM4247 | 2022-07-22 16:16 | 2022-08-12 16:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-Received HUD statement - Due Diligence Vendor-08/12/2022 Ready for Review-Uploaded final settlement statement - Due Diligence Vendor-08/11/2022 Open-Borrower/Buyer statement not provided in file - Due Diligence Vendor-07/22/2022 |
Resolved-Received HUD statement - Due Diligence Vendor-08/12/2022 |
788235_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 567085 | |||
| XXXXXXX_CSMC_2022-NQM6-69 | [redacted] | [redacted] | D | A | D | A | D | A | A | A | Closed | FCOM4028 | 2022-07-22 15:01 | 2022-07-27 20:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-- 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-07/28/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-07/22/2022 |
Resolved-- 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-07/28/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 566964 | ||||
| XXXXXXX_CSMC_2022-NQM6-70 | [redacted] | [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-NQM6-71 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2022-08-15 08:09 | 2022-09-09 15:30 | 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-09/09/2022 Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded executed initial 1003. - Due Diligence Vendor-08/18/2022 Open- - Due Diligence Vendor-08/15/2022 |
Resolved-The Initial 1003 is Present or Not Applicable (The 1003 Page Occupancy status is 'Investment'). - Due Diligence Vendor-09/09/2022 Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 |
789115_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 602405 | |||
| XXXXXXX_CSMC_2022-NQM6-72 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM4028 | 2022-08-23 14:29 | 2022-08-23 14:59 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-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-08/23/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-08/23/2022 |
Resolved-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-08/23/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 618367 | ||||
| XXXXXXX_CSMC_2022-NQM6-73 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1266 | 2022-08-07 15:22 | 2022-08-23 14:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded initial disclosures. See page 18 for Home Counseling Disclosure. - Due Diligence Vendor-08/18/2022 Open-Homeownership Counseling Disclosure Is Missing in file. - Due Diligence Vendor-08/07/2022 |
Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 |
789107_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 588264 | |||
| XXXXXXX_CSMC_2022-NQM6-74 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2022-08-12 12:29 | 2022-08-23 14:58 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded intital disclosures. See page 33 for SSPL - Due Diligence Vendor-08/18/2022 Open- - Due Diligence Vendor-08/12/2022 |
Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 |
789108_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 600437 | |||
| XXXXXXX_CSMC_2022-NQM6-75 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCRE6618 | 2022-08-15 10:58 | 2022-08-23 14:58 | Resolved | 1 - Information | A | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded revised 1003 - Due Diligence Vendor-08/22/2022 Open-Final 1003 states borrower does not intend to occupy. Provide corrected 1003 - Due Diligence Vendor-08/15/2022 |
Resolved-Documents received and cleared - Due Diligence Vendor-08/23/2022 |
789345_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 603014 | |||
| XXXXXXX_CSMC_2022-NQM6-76 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2022-08-12 12:31 | 2022-08-23 14:29 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded initial CD - Due Diligence Vendor-08/18/2022 Open-Initial Closing disclosure missing in the file. ***NOTE compliance has not been run as initial CD and LE are missing. - Due Diligence Vendor-08/12/2022 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-08/23/2022 |
789112_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 600450 | |||
| XXXXXXX_CSMC_2022-NQM6-77 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1207 | 2022-08-15 02:01 | 2022-08-23 14:28 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-08/23/2022 Resolved-Received signed note - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded executed Note - Due Diligence Vendor-08/18/2022 Open-Note is not executed / The signature is not visible... - Due Diligence Vendor-08/15/2022 |
Resolved-The Note is Executed - Due Diligence Vendor-08/23/2022 Resolved-Received signed note - Due Diligence Vendor-08/23/2022 |
789114_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 601954 | |||
| XXXXXXX_CSMC_2022-NQM6-78 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2022-08-09 04:04 | 2022-08-23 10:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received voe - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded WVOE and VVOE. VVOE is dated within 10 days of closing. - Due Diligence Vendor-08/18/2022 Open-WVOE document signature date should be within 10 from the closing date - Due Diligence Vendor-08/09/2022 |
Resolved-Received voe - Due Diligence Vendor-08/23/2022 |
789144_1.pdf 789144_2.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 591231 | |||
| XXXXXXX_CSMC_2022-NQM6-79 | [redacted] | [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-NQM6-80 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE3464 | 2022-08-09 05:29 | 2022-08-23 13:50 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-received voe - Due Diligence Vendor-08/23/2022 Ready for Review-Borrower is self employed. VVOE needed as business bank statements in file. Uploaded final 1003. - Due Diligence Vendor-08/23/2022 Open-Final Verbal VOE is missing in the file. - Due Diligence Vendor-08/09/2022 |
Resolved-received voe - Due Diligence Vendor-08/23/2022 |
789543_1.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 | N/A | N/A | 591340 | |||
| XXXXXXX_CSMC_2022-NQM6-81 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FVAL1039 | 2022-08-15 12:23 | 2022-08-19 11:37 | Resolved | A | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/19/2022 Open-AVM and BPO outside of allowable tolerance. - Due Diligence Vendor-08/15/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/19/2022 |
[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 | N/A | N/A | 603241 | ||||
| XXXXXXX_CSMC_2022-NQM6-82 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2022-08-06 11:32 | 2022-08-23 10:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-Received voe - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded VVOE. - Due Diligence Vendor-08/18/2022 Open-No VVOE prior to close. 2 yr full doc - Due Diligence Vendor-08/06/2022 |
Resolved-Received voe - Due Diligence Vendor-08/23/2022 |
789154_1.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 | N/A | N/A | 587949 | |||
| XXXXXXX_CSMC_2022-NQM6-83 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1221 | 2022-08-06 12:15 | 2022-08-23 10:46 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received deed of trust. - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded recorded DOT. Notary ack date is [redacted]. - Due Diligence Vendor-08/18/2022 Open-Deed of Trust notary date is not legible. Input date of [redacted] as that is the date other documents were notarized. - Due Diligence Vendor-08/06/2022 |
Resolved-Received deed of trust. - Due Diligence Vendor-08/23/2022 |
789158_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 587959 | |||
| XXXXXXX_CSMC_2022-NQM6-84 | [redacted] | [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-NQM6-85 | [redacted] | [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-NQM6-86 | [redacted] | [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-NQM6-87 | [redacted] | [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-NQM6-88 | [redacted] | [redacted] | C | B | C | B | A | A | A | A | Closed | FCRE1491 | 2022-08-09 10:33 | 2022-09-07 08:14 | Waived | 2 - Non-Material | C | B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception granted Borrower to bring in cash to close of approx 100 at closing not sourced - Due Diligence Vendor-09/07/2022 Ready for Review-Uploaded exception. - Due Diligence Vendor-09/06/2022 Open-Asset Qualification Does Not Meet Guideline Requirements Total Cash to close amount is [redacted] and the available assets is [redacted] there is shortage of $81.92Assets - Due Diligence Vendor-08/09/2022 |
Waived-Exception granted Borrower to bring in cash to close of approx 100 at closing not sourced - Due Diligence Vendor-09/07/2022 |
65% LTV 3 months LCR's | 791107_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 592242 | ||
| XXXXXXX_CSMC_2022-NQM6-89 | [redacted] | [redacted] | C | B | C | B | A | A | A | A | Closed | FVAL1039 | 2022-08-09 10:47 | 2022-08-16 13:14 | Resolved | A | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/16/2022 Open-Document Uploaded. BPO does not support value. Ordered desk review. - Due Diligence Vendor-08/12/2022 Open-AVM document is required - Due Diligence Vendor-08/09/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/16/2022 |
5459212_[redacted]_MissionGlobal_8.5.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 592283 | ||||
| XXXXXXX_CSMC_2022-NQM6-90 | [redacted] | [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-NQM6-91 | [redacted] | [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-NQM6-92 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | finding-3752 | 2022-08-12 14:31 | 2022-08-24 12:50 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | TRID Disclosure Dates and Personal Delivery Validation Test | Resolved-notary date 7/23 - Due Diligence Vendor-08/24/2022 Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-08/12/2022 |
Resolved-notary date 7/23 - Due Diligence Vendor-08/24/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA | N/A | N/A | 600763 | ||||
| XXXXXXX_CSMC_2022-NQM6-93 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | FCOM1207 | 2022-08-11 07:01 | 2022-08-23 12:31 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed Received signed note - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded Note. - Due Diligence Vendor-08/19/2022 Open-The Note is Not Executed The Note document is Not Executed. - Due Diligence Vendor-08/11/2022 |
Resolved-The Note is Executed Received signed note - Due Diligence Vendor-08/23/2022 |
789228_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 596687 | |||
| XXXXXXX_CSMC_2022-NQM6-94 | [redacted] | [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-NQM6-95 | [redacted] | [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-NQM6-96 | [redacted] | [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-NQM6-97 | [redacted] | [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-NQM6-98 | [redacted] | [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-NQM6-99 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2022-08-09 00:03 | 2022-08-23 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/23/2022 Resolved-Received Flood cert - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded flood cert. - Due Diligence Vendor-08/19/2022 Open-Missing Flood Certificate Flood Certificate missing in the file. - Due Diligence Vendor-08/09/2022 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/23/2022 Resolved-Received Flood cert - Due Diligence Vendor-08/23/2022 |
789235_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 590978 | |||
| XXXXXXX_CSMC_2022-NQM6-100 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2022-08-09 00:10 | 2022-08-23 12:34 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Rent roll received clears finding - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded Income and Exepsen Statement and Rent Roll. - Due Diligence Vendor-08/19/2022 Open-Lease Agreement missing in the file - Due Diligence Vendor-08/09/2022 |
Resolved-Rent roll received clears finding - Due Diligence Vendor-08/23/2022 |
789236_1.pdf 789236_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 590987 | |||
| XXXXXXX_CSMC_2022-NQM6-101 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1491 | 2022-08-12 05:26 | 2022-08-23 12:38 | Resolved | 1 - Information | C | A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Asset Qualification Meets Guideline Requirements Received updated bank statements - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded bank statements - Due Diligence Vendor-08/19/2022 Open-Asset Qualification Does Not Meet Guideline Requirements For BPD loans we need 2 months bank statement .but we have only 1 Month bank statement provided - Due Diligence Vendor-08/12/2022 |
Resolved-Asset Qualification Meets Guideline Requirements Received updated bank statements - Due Diligence Vendor-08/23/2022 |
789256_1.pdf 789256_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 599181 | |||
| XXXXXXX_CSMC_2022-NQM6-102 | [redacted] | [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-NQM6-103 | [redacted] | [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-NQM6-104 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1345 | 2022-08-10 04:35 | 2022-08-23 13:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-No lease used 1007 - Due Diligence Vendor-08/23/2022 Ready for Review-Lease agreement not required. Rent Schedule reflects comparable 2 given great weight in estimating market rent. Uploaded appraisal. - Due Diligence Vendor-08/23/2022 Open-Borrower 1 lease agreement is missing. - Due Diligence Vendor-08/10/2022 |
Resolved-No lease used 1007 - Due Diligence Vendor-08/23/2022 |
789539_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 593994 | |||
| XXXXXXX_CSMC_2022-NQM6-105 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE6914 | 2022-08-09 15:04 | 2022-08-23 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-Received passports - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded borrower's passport. - Due Diligence Vendor-08/19/2022 Open-Borrower 2 Citizenship Documentation Is Missing As per Guidelines 03/23/2023 , Please provide work visa for Borrower - Due Diligence Vendor-08/09/2022 |
Resolved-Received passports - Due Diligence Vendor-08/23/2022 |
789287_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 593463 | |||
| XXXXXXX_CSMC_2022-NQM6-106 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE947 | 2022-08-09 15:04 | 2022-08-23 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 3 Citizenship Documentation Not Provided | Resolved-Received passports - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded borrower's passport. - Due Diligence Vendor-08/19/2022 Open-Borrower 3 Citizenship Documentation Is Missing As per Guidelines 03/23/2023 , Please provide work visa for Borrower - Due Diligence Vendor-08/09/2022 |
Resolved-Received passports - Due Diligence Vendor-08/23/2022 |
789288_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 593464 | |||
| XXXXXXX_CSMC_2022-NQM6-107 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2022-08-09 15:04 | 2022-08-23 12:40 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received passports - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded borrower's passport. - Due Diligence Vendor-08/19/2022 Open-Borrower 1 Citizenship Documentation Is Missing As per Guidelines 03/23/2023 , Please provide work visa for Borrower - Due Diligence Vendor-08/09/2022 |
Resolved-Received passports - Due Diligence Vendor-08/23/2022 |
789286_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 593462 | |||
| XXXXXXX_CSMC_2022-NQM6-108 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2022-08-08 05:29 | 2022-08-23 12:47 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received proof of insurance dated correctly - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded hazard insurance - Due Diligence Vendor-08/19/2022 Open-Hazard Insurance Effective Date of [redacted] is after the Note Date of [redacted] - Due Diligence Vendor-08/08/2022 |
Resolved-Received proof of insurance dated correctly - Due Diligence Vendor-08/23/2022 |
789293_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 588632 | |||
| XXXXXXX_CSMC_2022-NQM6-109 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2022-08-11 03:18 | 2022-09-07 08:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received DSCR calc - Due Diligence Vendor-09/07/2022 Ready for Review-Uploaded DSCR - Due Diligence Vendor-09/06/2022 Open-Lender Income Calculation Worksheet is missing in the file. - Due Diligence Vendor-08/11/2022 |
Resolved-Received DSCR calc - Due Diligence Vendor-09/07/2022 |
791108_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 596407 | |||
| XXXXXXX_CSMC_2022-NQM6-110 | [redacted] | [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-NQM6-111 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | Closed | FVAL1039 | 2022-08-10 11:20 | 2022-08-12 14:58 | Resolved | A | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/12/2022 Open-Document Uploaded. BPO does not support value. Ordered desk review. - Due Diligence Vendor-08/10/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/12/2022 |
5459224_[redacted]_MissionGlobal_8.5.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 595300 | ||||
| XXXXXXX_CSMC_2022-NQM6-112 | [redacted] | [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-NQM6-113 | [redacted] | [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-NQM6-114 | [redacted] | [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-NQM6-115 | [redacted] | [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-NQM6-116 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2022-08-09 22:44 | 2022-09-01 14:07 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-received - Due Diligence Vendor-09/01/2022 Ready for Review-Uploaded DSCR - Due Diligence Vendor-08/30/2022 Counter-This loan is a BPD loan and need the DSCR calc worksheet - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded rate sheet. Rate sheet reflects no DSCR. - Due Diligence Vendor-08/19/2022 Open-Lender income calculation worksheet missing in the file. - Due Diligence Vendor-08/10/2022 |
Resolved-received - Due Diligence Vendor-09/01/2022 |
789290_1.pdf 790342_1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 593829 | |||
| XXXXXXX_CSMC_2022-NQM6-117 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FVAL1039 | 2022-08-10 11:06 | 2022-08-12 14:55 | Resolved | A | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/12/2022 Open-Document Uploaded. BPO does not support value. Ordered desk review. - Due Diligence Vendor-08/10/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/12/2022 |
5459213_[redacted]_MissionGlobal_8.5.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 595228 | ||||
| XXXXXXX_CSMC_2022-NQM6-118 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2022-08-15 09:13 | 2022-08-23 12:49 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received flood cert - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded Flood cert - Due Diligence Vendor-08/19/2022 Open-Missing Flood Certificate Flood Certificate is missing in the file - Due Diligence Vendor-08/16/2022 |
Resolved-Received flood cert - Due Diligence Vendor-08/23/2022 |
789297_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 602654 | |||
| XXXXXXX_CSMC_2022-NQM6-119 | [redacted] | [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-NQM6-120 | [redacted] | [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-NQM6-121 | [redacted] | [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-NQM6-122 | [redacted] | [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-NQM6-123 | [redacted] | [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-NQM6-124 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2022-08-11 16:28 | 2022-08-23 13:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase contract received - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded purchase contract. - Due Diligence Vendor-08/19/2022 Open-Purchase Contract is missing in the file - Due Diligence Vendor-08/11/2022 |
Resolved-Purchase contract received - Due Diligence Vendor-08/23/2022 |
789316_1.pdf 789316_2.pdf 789316_3.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 598722 | |||
| XXXXXXX_CSMC_2022-NQM6-125 | [redacted] | [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-NQM6-126 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | Closed | FVAL1039 | 2022-08-12 12:31 | 2022-08-19 11:32 | Resolved | A | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/19/2022 Open-AVM and BPO values were both 10% less than appraised value. - Due Diligence Vendor-08/12/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-08/19/2022 |
[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 600449 | ||||
| XXXXXXX_CSMC_2022-NQM6-127 | [redacted] | [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-NQM6-128 | [redacted] | [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-NQM6-129 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | FCOM1207 | 2022-08-12 06:55 | 2022-08-23 13:32 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-Received signed note - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded Note. - Due Diligence Vendor-08/19/2022 Open-The Note is Not Executed Note document is not executed properly, unable to read signature - Due Diligence Vendor-08/12/2022 |
Resolved-Received signed note - Due Diligence Vendor-08/23/2022 |
789318_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 599353 | |||
| XXXXXXX_CSMC_2022-NQM6-130 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1347 | 2022-08-08 06:16 | 2022-08-23 13:34 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/23/2022 Rescinded-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/08/2022 |
Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-08/23/2022 Rescinded-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-08/08/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 588675 | ||||
| XXXXXXX_CSMC_2022-NQM6-131 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE3464 | 2022-08-08 06:16 | 2022-08-23 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Received voes - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded VVOE - Due Diligence Vendor-08/22/2022 Open-missing VVOE for both borrowers - Due Diligence Vendor-08/08/2022 |
Resolved-Received voes - Due Diligence Vendor-08/23/2022 |
789350_1.pdf 789350_2.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 | N/A | N/A | 588676 | |||
| XXXXXXX_CSMC_2022-NQM6-132 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE8728 | 2022-08-08 06:38 | 2022-08-23 13:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Payment History | Resolved-Received pay history - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded VOM - Due Diligence Vendor-08/22/2022 Open-Missing Wells Fargo mortgage history. last report on credit is [redacted] and shows NA for balance but acct # matches pay off. - Due Diligence Vendor-08/08/2022 |
Resolved-Received pay history - Due Diligence Vendor-08/23/2022 |
789354_1.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 | N/A | N/A | 588724 | |||
| XXXXXXX_CSMC_2022-NQM6-133 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1232 | 2022-08-17 09:50 | 2022-08-23 13:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received 1003 - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded final 1003 - Due Diligence Vendor-08/22/2022 Open-The Final 1003 is Missing in the file. - Due Diligence Vendor-08/17/2022 |
Resolved-Received 1003 - Due Diligence Vendor-08/23/2022 |
789358_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 607642 | |||
| XXXXXXX_CSMC_2022-NQM6-134 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1208 | 2022-08-17 11:52 | 2022-08-23 13:35 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Note is Incomplete | Resolved-Received Guaranty agreements - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded Guaranty and Entity Docs - Due Diligence Vendor-08/22/2022 Open-Guaranty and Entity documents are missing in the file. - Due Diligence Vendor-08/17/2022 |
Resolved-Received Guaranty agreements - Due Diligence Vendor-08/23/2022 |
789360_1.pdf 789360_2.pdf 789360_3.pdf 789360_4.pdf 789360_5.pdf 789360_6.pdf 789360_7.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 608123 | |||
| XXXXXXX_CSMC_2022-NQM6-135 | [redacted] | [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-NQM6-136 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | Closed | FVAL1039 | 2022-08-16 04:43 | 2022-08-22 09:32 | Resolved | A | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. New BPO supports original appraisal. - Due Diligence Vendor-08/22/2022 Open-The Interior BPO value of [redacted] is more than 10% less than the Original appraised value of [redacted]. - Due Diligence Vendor-08/16/2022 |
Resolved-Document Uploaded. New BPO supports original appraisal. - Due Diligence Vendor-08/22/2022 |
5464008_[redacted]_MissionGlobal_8.5.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 604266 | ||||
| XXXXXXX_CSMC_2022-NQM6-137 | [redacted] | [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-NQM6-138 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | FCOM3571 | 2022-08-12 08:39 | 2022-08-23 13:36 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Received HUD signed - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded final HUD - Due Diligence Vendor-08/22/2022 Open-HUD is not executed by the borrower. we have recent estimated HUD document only. Final HUD document is not available. - Due Diligence Vendor-08/12/2022 |
Resolved-Received HUD signed - Due Diligence Vendor-08/23/2022 |
789362_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 599716 | |||
| XXXXXXX_CSMC_2022-NQM6-139 | [redacted] | [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-NQM6-140 | [redacted] | [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-NQM6-141 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE5275 | 2022-08-15 06:31 | 2022-09-07 08:17 | Resolved | 1 - Information | C | A | Credit | Eligibility | Asset do not meet guidelines | Resolved-Received bank statement - Due Diligence Vendor-09/07/2022 Ready for Review-Uploaded bank statements - Due Diligence Vendor-09/01/2022 Open- Only 1 month of Bank statement is provided in file. - Due Diligence Vendor-08/15/2022 |
Resolved-Received bank statement - Due Diligence Vendor-09/07/2022 |
790901_1.pdf 790901_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 602195 | |||
| XXXXXXX_CSMC_2022-NQM6-142 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE7347 | 2022-08-16 07:14 | 2022-08-23 13:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Air bnb no lease - Due Diligence Vendor-08/23/2022 Ready for Review-Lease agreement not required; appraisal reflects subject is used as AirBnB. Uploaded appraisal. - Due Diligence Vendor-08/22/2022 Open-Lease agreement is missing in file. - Due Diligence Vendor-08/16/2022 |
Resolved-Air bnb no lease - Due Diligence Vendor-08/23/2022 |
789373_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 604545 | |||
| XXXXXXX_CSMC_2022-NQM6-143 | [redacted] | [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-NQM6-144 | [redacted] | [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-NQM6-145 | [redacted] | [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-NQM6-146 | [redacted] | [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-NQM6-147 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2022-08-15 08:41 | 2022-08-23 13:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present Received Flood cert - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded flood cert - Due Diligence Vendor-08/22/2022 Open-Missing Flood Certificate Flood Certificate is missing in the file. - Due Diligence Vendor-08/15/2022 |
Resolved-Flood Certificate is fully present Received Flood cert - Due Diligence Vendor-08/23/2022 |
789376_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 602541 | |||
| XXXXXXX_CSMC_2022-NQM6-148 | [redacted] | [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-NQM6-149 | [redacted] | [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-NQM6-150 | [redacted] | [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-NQM6-151 | [redacted] | [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-NQM6-152 | [redacted] | [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-NQM6-153 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-47 | 2022-08-07 10:34 | 2022-08-29 13:08 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Loan is a rent to own purchase - Due Diligence Vendor-08/29/2022 Ready for Review-Please note that this is a Lease-Option-To-Purchase which is technically a purchase, not a refinance, therefore TILA’s Right of Rescission does not apply. Please see the purchase agreement attached as well as the updated 1003 & Post-closing CD reflecting the purpose as a purchase transaction and UW Explanation. - Due Diligence Vendor-08/24/2022 Open-This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. loan is a lease option and set up as a refi. no recission on CD funding date and right to cancel in file - Due Diligence Vendor-08/07/2022 |
Resolved-Loan is a rent to own purchase - Due Diligence Vendor-08/29/2022 |
789719_1.pdf 789719_2.pdf 789719_3.pdf 789719_4.pdf 789719_5.pdf 789719_6.pdf 789719_7.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 588206 | |||
| XXXXXXX_CSMC_2022-NQM6-154 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1231 | 2022-08-07 10:03 | 2022-08-29 13:02 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received - Due Diligence Vendor-08/23/2022 Ready for Review-Uploaded initial 1003 - Due Diligence Vendor-08/22/2022 Open-The Initial 1003 is Missing and the 1003 Page Occupancy Status is 'Primary Residence'. missing 1003 from 6/21 - Due Diligence Vendor-08/07/2022 |
Resolved-Received - Due Diligence Vendor-08/23/2022 |
789378_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 588197 | |||
| XXXXXXX_CSMC_2022-NQM6-155 | [redacted] | [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-NQM6-156 | [redacted] | [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-NQM6-157 | [redacted] | [redacted] | D | A | A | A | C | A | D | A | Closed | finding-47 | 2022-10-06 09:48 | 2022-11-18 13:21 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Proof of funding on 9/29 received - Due Diligence Vendor-11/18/2022 Ready for Review-Please see the post-closing CD + proof of delivery that was issued w/the correct Closing & Disbursement dates. - Due Diligence Vendor-11/16/2022 Counter-please provide proof loan funded on 9/29 in order to allow sufficent rescission. Interest collected in CD was from 9/28- please fix. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded closing disclosure signed 9/24/2022. - Due Diligence Vendor-10/27/2022 Open-This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) )The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ROR in file is dated 09/24/2022 with a cancel date of 09/28/2022. Final CD 09/23/2022 in file Closing date is 09/23/2022 and is signed 09/28/2022. Provide a PCCD with the correct Closing Date of 09/24/2022. - Due Diligence Vendor-10/06/2022 |
Resolved-Proof of funding on 9/29 received - Due Diligence Vendor-11/18/2022 |
796105_1.pdf 801624_1.pdf 801624_2.pdf |
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 | N/A | N/A | 680570 | |||
| XXXXXXX_CSMC_2022-NQM6-158 | [redacted] | [redacted] | D | A | A | A | C | A | D | A | Closed | FCOM5814 | 2022-10-06 10:17 | 2022-10-31 15:02 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-final CD provided. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded closing disclosure signed 9/24/2022. - Due Diligence Vendor-10/27/2022 Open-CD [redacted] in file is signed [redacted]. Provide the Final CD signed at Closing [redacted]. - Due Diligence Vendor-10/06/2022 |
Resolved-final CD provided. - Due Diligence Vendor-10/31/2022 |
796104_1.pdf | 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 | N/A | N/A | 680673 | |||
| XXXXXXX_CSMC_2022-NQM6-159 | [redacted] | [redacted] | D | A | A | A | C | A | D | A | Closed | FVAL1039 | 2022-10-09 13:05 | 2022-10-17 10:15 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-10/17/2022 Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-10/09/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-10/17/2022 |
5495266_[redacted]_MissionGlobal_10.5.2022.pdf [redacted].pdf |
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 | N/A | N/A | 685171 | |||
| XXXXXXX_CSMC_2022-NQM6-160 | [redacted] | [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-NQM6-161 | [redacted] | [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-NQM6-162 | [redacted] | [redacted] | D | A | D | A | C | A | A | A | Closed | finding-3519 | 2022-10-06 09:31 | 2022-11-01 08:24 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received initial closing disclosure - Due Diligence Vendor-11/01/2022 Ready for Review-Uploaded initial CD - Due Diligence Vendor-10/27/2022 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/06/2022 |
Resolved-Received initial closing disclosure - Due Diligence Vendor-11/01/2022 |
796109_1.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 | N/A | N/A | 680509 | |||
| XXXXXXX_CSMC_2022-NQM6-163 | [redacted] | [redacted] | D | A | D | A | C | A | A | A | Closed | FCRE7805 | 2022-10-10 10:11 | 2022-10-31 14:51 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-received missing statements - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded July and January statement. - Due Diligence Vendor-10/27/2022 Open-Missing July 21 and Jan 21 income bank statements - Due Diligence Vendor-10/10/2022 |
Resolved-received missing statements - Due Diligence Vendor-10/31/2022 |
797042_1.pdf 797042_2.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 | N/A | N/A | 685715 | |||
| XXXXXXX_CSMC_2022-NQM6-164 | [redacted] | [redacted] | D | B | B | B | D | A | A | A | Closed | FCOM4247 | 2022-10-11 09:10 | 2022-10-31 14:49 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-received bottom half of HUD - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded final HUD - Due Diligence Vendor-10/27/2022 Open-missing bottom half or page of HUD that shows cash amount due to borrower. - Due Diligence Vendor-10/11/2022 |
Resolved-received bottom half of HUD - Due Diligence Vendor-10/31/2022 |
796117_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 687659 | |||
| XXXXXXX_CSMC_2022-NQM6-165 | [redacted] | [redacted] | D | B | B | B | D | A | A | A | Closed | FCRE1197 | 2022-10-07 14:43 | 2022-10-10 15:58 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 679 is less than Guideline FICO of 680 Fico score needed 680 we are at 679 (Exception form on page #4) - Due Diligence Vendor-10/07/2022 |
Waived-Audited FICO of 679 is less than Guideline FICO of 680 Fico score needed 680 we are at 679 (Exception form on page #4) - Due Diligence Vendor-10/07/2022 |
Refinance: Cash out, Skin in the game since 2005, LTV:70%, Value:$263,000 | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 684696 | |||
| XXXXXXX_CSMC_2022-NQM6-166 | [redacted] | [redacted] | D | B | D | B | D | A | A | A | Closed | FCRE1469 | 2022-10-07 07:31 | 2022-11-23 11:03 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Asset 3 Missing | Resolved-Documentation provided resolved Finding - Due Diligence Vendor-11/23/2022 Ready for Review-Document Uploaded. - Due Diligence Vendor-11/23/2022 Open-Gift of Equity document is missing in the file- Gift letter - Due Diligence Vendor-10/07/2022 |
Resolved-Documentation provided resolved Finding - Due Diligence Vendor-11/23/2022 |
[redacted]_891240_GiftLetter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 683024 | |||
| XXXXXXX_CSMC_2022-NQM6-167 | [redacted] | [redacted] | D | B | D | B | D | A | A | A | Closed | FCOM9970 | 2022-10-10 10:23 | 2022-11-01 12:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-Received document - Due Diligence Vendor-11/01/2022 Ready for Review-Uploaded initial CD - Due Diligence Vendor-10/27/2022 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. initial CD needed to run - Due Diligence Vendor-10/10/2022 |
Resolved-Received document - Due Diligence Vendor-11/01/2022 |
796111_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 685752 | |||
| XXXXXXX_CSMC_2022-NQM6-168 | [redacted] | [redacted] | D | B | D | B | D | A | A | A | Closed | FCOM4227 | 2022-10-06 11:21 | 2022-11-01 11:55 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received CD - Due Diligence Vendor-11/01/2022 Ready for Review-Uploaded closing disclosure. - Due Diligence Vendor-10/27/2022 Open-Provide the missing initial Closing Disclosure. - Due Diligence Vendor-10/06/2022 |
Resolved-Received CD - Due Diligence Vendor-11/01/2022 |
796112_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 680970 | |||
| XXXXXXX_CSMC_2022-NQM6-169 | [redacted] | [redacted] | D | B | D | B | D | A | A | A | Closed | finding-1124 | 2022-10-06 11:41 | 2022-11-01 11:54 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | NJ HOSA 2004 High-Cost Home Loan Points and Fees Threshold Test | Resolved-NJ laws resolved issue - Due Diligence Vendor-11/01/2022 Ready for Review-The total points & fees on this loan are $4610 or 4.354%. Please see the Final Closing Statement + CD from closing which can be found on page 29-33 of the "Executed Loan Documents" upload. - Due Diligence Vendor-10/27/2022 Open-This loan failed the high-cost home loan points and fees threshold test. (NJ AB 75, § 3.) , (NJ SB 279, § 2.) The total points and fees of this loan, which are $5,405.00, exceed one of the following thresholds based on the total loan amount, which is [redacted]: Either the total points and fees exceed 4.5% of the total loan amount if the total loan amount is $40,000 or more; or The total points and fees exceed 6% of the total loan amount if the total loan amount is $20,000 or more but less than $40,000; or The total points and fees exceed the lesser of 6% of the total loan amount or $1,000, if the total loan amount is less than $20,000. - Due Diligence Vendor-10/06/2022 |
Resolved-NJ laws resolved issue - Due Diligence Vendor-11/01/2022 |
796674_1.pdf 796674_2.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 681097 | |||
| XXXXXXX_CSMC_2022-NQM6-170 | [redacted] | [redacted] | D | B | D | B | D | A | A | A | Closed | FCRE1197 | 2022-10-07 07:22 | 2022-10-10 10:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 590 is less than Guideline FICO of 600 Found Exception on pg 449 . Gift Of Equity provided ,Payoff took longer than expected due to private money lender. Had to repull credit and now credit dropped from 605 mid to 590 mid. - Due Diligence Vendor-10/07/2022 |
Waived-Audited FICO of 590 is less than Guideline FICO of 600 Found Exception on pg 449 . Gift Of Equity provided ,Payoff took longer than expected due to private money lender. Had to repull credit and now credit dropped from 605 mid to 590 mid. - Due Diligence Vendor-10/07/2022 |
Max ltv 6+5%. 0x 30 on mtgs | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 683012 | |||
| XXXXXXX_CSMC_2022-NQM6-171 | [redacted] | [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-NQM6-172 | [redacted] | [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-NQM6-173 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCRE1194 | 2022-10-14 14:52 | 2022-11-10 09:49 | Waived | 2 - Non-Material | A | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception: .128 LTV exception - Due Diligence Vendor-11/10/2022 Ready for Review-Attached is the management exception. please review and clear - Due Diligence Vendor-11/09/2022 Open-Using the lower Sales Purchase price of [redacted] puts the LTV at 80.128% (which matches the Executive Summary (page 1) but exceeds the 80% max LTV for this Hybridge Product. Unable to verify the purchase price due to missing purchase contract. - Due Diligence Vendor-10/14/2022 |
Waived-Exception: .128 LTV exception - Due Diligence Vendor-11/10/2022 |
12 Mos good credit, 0x30 on primary residence, 779 Fico, Experienced investor | 800087_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Post-Close | Yes | 694295 | ||
| XXXXXXX_CSMC_2022-NQM6-174 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCRE8012 | 2022-10-05 16:52 | 2022-10-31 14:45 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Purchase Contract | Resolved-contract provided. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded purchase contract - Due Diligence Vendor-10/27/2022 Open- - Due Diligence Vendor-10/05/2022 |
Resolved-contract provided. - Due Diligence Vendor-10/31/2022 |
796114_1.pdf 796114_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 679620 | |||
| XXXXXXX_CSMC_2022-NQM6-175 | [redacted] | [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-NQM6-176 | [redacted] | [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-NQM6-177 | [redacted] | [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-NQM6-178 | [redacted] | [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-NQM6-179 | [redacted] | [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-NQM6-180 | [redacted] | [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-NQM6-181 | [redacted] | [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-NQM6-182 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1345 | 2022-10-11 09:25 | 2022-10-31 14:39 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-lease provided - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded lease agreement - Due Diligence Vendor-10/27/2022 Open-Please provide lease agreement for the subject property - [redacted] as this is tenant occupied. - Due Diligence Vendor-10/11/2022 |
Resolved-lease provided - Due Diligence Vendor-10/31/2022 |
796139_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 687712 | |||
| XXXXXXX_CSMC_2022-NQM6-183 | [redacted] | [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-NQM6-184 | [redacted] | [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-NQM6-185 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2022-10-07 08:09 | 2022-11-18 13:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/18/2022 Resolved-Borrower is US citizen corrected 1003 clears finding - Due Diligence Vendor-11/18/2022 Ready for Review-Borrower is a US Citizen. Uploaded revised final 1003 signed by borrower. - Due Diligence Vendor-11/18/2022 Open-Borrower 1 Citizenship Documentation Is Missing Borrower is a Non Permanent Resident Alien, Please provide Citizenship Proof. {SSN, EAD Card, Work Visa.} - Due Diligence Vendor-10/07/2022 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/18/2022 Resolved-Borrower is US citizen corrected 1003 clears finding - Due Diligence Vendor-11/18/2022 |
801917_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 683141 | |||
| XXXXXXX_CSMC_2022-NQM6-186 | [redacted] | [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-NQM6-187 | [redacted] | [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-NQM6-188 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-07 05:30 | 2022-10-12 10:00 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/12/2022 Open-AVM confidence score is less than 70% - Due Diligence Vendor-10/07/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/12/2022 |
5495267_[redacted]_MissionGlobal_10.5.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 682689 | |||
| XXXXXXX_CSMC_2022-NQM6-189 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FCRE1212 | 2022-10-12 09:12 | 2022-10-31 14:38 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Partial | Resolved-addendum provided. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded purchase addenedum reflecting sales price of [redacted]. - Due Diligence Vendor-10/27/2022 Open-Purchase contract has not been fully provided Addendum to contract with updated sales price of [redacted] is missing. Final HUD shows sales price of [redacted] - Due Diligence Vendor-10/12/2022 |
Resolved-addendum provided. - Due Diligence Vendor-10/31/2022 |
796298_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 689889 | |||
| XXXXXXX_CSMC_2022-NQM6-190 | [redacted] | [redacted] | D | A | D | A | A | A | D | A | Closed | FVAL1039 | 2022-10-11 06:50 | 2022-10-12 10:06 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/12/2022 Open-AVM value is unsupported. - Due Diligence Vendor-10/11/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/12/2022 |
5495265_[redacted]_MissionGlobal_10.5.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 687253 | |||
| XXXXXXX_CSMC_2022-NQM6-191 | [redacted] | [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-NQM6-192 | [redacted] | [redacted] | C | B | C | B | A | A | A | A | Closed | FCRE1194 | 2022-10-06 15:31 | 2022-10-31 14:37 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-waiver provided for max LTV exceeded as property is rural and cannot exceed 70%. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded exception - Due Diligence Vendor-10/27/2022 Open-Audited LTV of 75% exceeds Guideline LTV of 65% - Due Diligence Vendor-10/06/2022 |
Waived-waiver provided for max LTV exceeded as property is rural and cannot exceed 70%. - Due Diligence Vendor-10/31/2022 |
735 FIco, 6 mths reserves, DTI under 20% | 797044_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Refinance | Cash Out - Other | Originator Post-Close | Yes | 682310 | ||
| XXXXXXX_CSMC_2022-NQM6-193 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | Closed | FCRE1166 | 2022-10-07 16:50 | 2022-11-18 07:31 | Resolved | 1 - Information | A | A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Update mTrade - Due Diligence Vendor-11/18/2022 Resolved-Received estimated cost proof - Due Diligence Vendor-11/08/2022 Ready for Review-Please see page 4 of Appraisal. The insurance coverage is adequate as the Total Estimate of Cost-New is within the dwelling coverage amount. - Due Diligence Vendor-11/04/2022 Open-Hazard Insurance Coverage Amount of [redacted] is less than Total Amount of Subject Lien(s) of [redacted] Please provide an additional coverage. - Due Diligence Vendor-10/10/2022 |
Resolved-Update mTrade - Due Diligence Vendor-11/18/2022 Resolved-Received estimated cost proof - Due Diligence Vendor-11/08/2022 |
799250_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 684980 | |||
| XXXXXXX_CSMC_2022-NQM6-194 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-11 12:04 | 2022-10-27 10:22 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/27/2022 Open-Document Uploaded. Desk Review does not support value. Desk Review comments: INCONCLUSIVE, Not enough verifiable data to reach a credible conclusion. - Due Diligence Vendor-10/17/2022 Open-BPO not available, ordered Desk Review. - Due Diligence Vendor-10/12/2022 Open-AVW is off by 10% and confidence score is 50 - Due Diligence Vendor-10/11/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/27/2022 |
[redacted].pdf 5495260_[redacted]_MissionGlobal_10.5.2022.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 688186 | |||
| XXXXXXX_CSMC_2022-NQM6-195 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1241 | 2022-10-10 01:31 | 2022-10-31 14:32 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-provided sales contract - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded purchase contract - Due Diligence Vendor-10/27/2022 Open-Purchase contract is missing - Due Diligence Vendor-10/10/2022 |
Resolved-provided sales contract - Due Diligence Vendor-10/31/2022 |
796256_1.pdf 796256_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 685197 | |||
| XXXXXXX_CSMC_2022-NQM6-196 | [redacted] | [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-NQM6-197 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | FCOM3571 | 2022-10-11 06:30 | 2022-11-03 14:44 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Client explanation for signature by escrow - Due Diligence Vendor-11/03/2022 Counter-missing buyer and seller signatures. this is signed by title agent only - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded certified final HUD. Please see page 2 for closing agent's signature certification. Borrower/seller's signature is not required. - Due Diligence Vendor-10/27/2022 Open-Final HUD missing and seller and buyer to sign HUDs - Due Diligence Vendor-10/12/2022 Open-Hud doc is not executed by the borrower and seller - Due Diligence Vendor-10/11/2022 |
Resolved-Client explanation for signature by escrow - Due Diligence Vendor-11/03/2022 |
796286_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 687219 | |||
| XXXXXXX_CSMC_2022-NQM6-198 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | FCOM5814 | 2022-10-06 12:06 | 2022-10-31 14:28 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-electronic proof provided. - Due Diligence Vendor-10/31/2022 Ready for Review-Please see the proof of delivery for both the initial CD & redisclosed CD along w/the executed redisclosed CD. - Due Diligence Vendor-10/27/2022 Open-Provide evidence CD 09/15/2022 was sent electronically. - Due Diligence Vendor-10/06/2022 |
Resolved-electronic proof provided. - Due Diligence Vendor-10/31/2022 |
796680_1.pdf 796680_2.pdf 796680_3.pdf 796680_4.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 | N/A | N/A | 681266 | |||
| XXXXXXX_CSMC_2022-NQM6-199 | [redacted] | [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-NQM6-200 | [redacted] | [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-NQM6-201 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1456 | 2022-10-07 10:35 | 2022-10-21 10:01 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Less Than 2 Months Verified | Resolved-Statement uploaded clears finding - Due Diligence Vendor-10/21/2022 Ready for Review-[redacted] is a new account that was opened on 8/18/2022. The funds appear to be from account [redacted]. Uploaded bank statement [redacted] reflecting deposit check of $125,000. - Due Diligence Vendor-10/18/2022 Open-Assets from [redacted] sourced only for 14 days (Page #,59) missing two months consecutive bank statement as per guideline requirement. - Due Diligence Vendor-10/07/2022 |
Resolved-Statement uploaded clears finding - Due Diligence Vendor-10/21/2022 |
796300_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 683776 | |||
| XXXXXXX_CSMC_2022-NQM6-202 | [redacted] | [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-NQM6-203 | [redacted] | [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-NQM6-204 | [redacted] | [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-NQM6-205 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2022-10-10 11:57 | 2022-10-31 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded credit report; see page 43 for OFAC for both borrowers. - Due Diligence Vendor-10/27/2022 Open-Missing Third Party Fraud Report Fraud Report is missing in the file - Due Diligence Vendor-10/10/2022 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/31/2022 |
796312_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 686047 | |||
| XXXXXXX_CSMC_2022-NQM6-206 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE5770 | 2022-10-10 07:43 | 2022-10-31 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. reports provided. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded credit report - Due Diligence Vendor-10/27/2022 Open-Borrower 1 Credit Report is Missing. Credit Report is missing in the file - Due Diligence Vendor-10/10/2022 |
Resolved-Borrower 1 Credit Report is not missing. reports provided. - Due Diligence Vendor-10/31/2022 |
796307_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 685346 | |||
| XXXXXXX_CSMC_2022-NQM6-207 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE5771 | 2022-10-10 07:43 | 2022-10-31 14:13 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-10/31/2022 Ready for Review-Uploaded credit report - Due Diligence Vendor-10/27/2022 Open-Borrower 2 Credit Report is Missing. Credit Report is missing in the file - Due Diligence Vendor-10/10/2022 |
Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-10/31/2022 |
796309_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 685347 | |||
| XXXXXXX_CSMC_2022-NQM6-208 | [redacted] | [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-NQM6-209 | [redacted] | [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-NQM6-210 | [redacted] | [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-NQM6-211 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-14 14:49 | 2022-10-19 10:36 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/19/2022 Open-AVM does not support appraised value. Ordered BPO. - Due Diligence Vendor-10/14/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/19/2022 |
5501529_[redacted]_MissionGlobal_10.14.2029.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 694284 | |||
| XXXXXXX_CSMC_2022-NQM6-212 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-14 14:49 | 2022-10-19 10:54 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/19/2022 Open-AVM does not support appraised value. Ordered BPO. - Due Diligence Vendor-10/14/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-10/19/2022 |
5501528_[redacted]_MissionGlobal_10.14.2028.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 694283 | |||
| XXXXXXX_CSMC_2022-NQM6-213 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1544 | 2022-10-17 10:18 | 2022-11-18 13:27 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/24/2022 Ready for Review-Uploaded executed closing disclosure - Due Diligence Vendor-10/21/2022 Open-TRID: Missing Final Closing Disclosure Provide the missing Final Closing Disclosure. - Due Diligence Vendor-10/17/2022 |
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/24/2022 |
796835_1.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 | N/A | N/A | 695894 | |||
| XXXXXXX_CSMC_2022-NQM6-214 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2022-10-17 10:32 | 2022-10-24 15:26 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-10/24/2022 Rescinded-rescinded for now as we dont have FInal CD - Due Diligence Vendor-10/19/2022 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. Provide the COC for CD 09/28/2022 showing the Flood Certificate Fee was added. - Due Diligence Vendor-10/17/2022 |
Resolved-Resolved - Due Diligence Vendor-10/24/2022 Rescinded-rescinded for now as we dont have FInal CD - Due Diligence Vendor-10/19/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 695941 | ||||
| XXXXXXX_CSMC_2022-NQM6-215 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2022-10-17 10:32 | 2022-10-24 15:26 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-10/24/2022 Rescinded-rescinded for now as we dont have FInal CD - Due Diligence Vendor-10/19/2022 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-10/17/2022 |
Resolved-Resolved - Due Diligence Vendor-10/24/2022 Rescinded-rescinded for now as we dont have FInal CD - Due Diligence Vendor-10/19/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 695940 | ||||
| XXXXXXX_CSMC_2022-NQM6-216 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2022-10-17 10:32 | 2022-10-24 15:26 | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-10/24/2022 Rescinded-rescinded for now as we dont have FInal CD - Due Diligence Vendor-10/19/2022 Open-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 $25.00.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). Provide the COC for CD 09/28/2022 showing the Flood Certificate Fee was added. - Due Diligence Vendor-10/17/2022 |
Resolved-Resolved - Due Diligence Vendor-10/24/2022 Rescinded-rescinded for now as we dont have FInal CD - Due Diligence Vendor-10/19/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 695943 | ||||
| XXXXXXX_CSMC_2022-NQM6-217 | [redacted] | [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-NQM6-218 | [redacted] | [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-NQM6-219 | [redacted] | [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-NQM6-220 | [redacted] | [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-NQM6-221 | [redacted] | [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-NQM6-222 | [redacted] | [redacted] | C | A | C | A | C | A | A | A | Closed | FCOM3571 | 2022-10-19 04:39 | 2022-11-08 12:46 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Received HUD executed correctly - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded seller signed final HUD - Due Diligence Vendor-11/04/2022 Open-seller signature is missing. - Due Diligence Vendor-10/19/2022 |
Resolved-Received HUD executed correctly - Due Diligence Vendor-11/08/2022 |
799171_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698746 | |||
| XXXXXXX_CSMC_2022-NQM6-223 | [redacted] | [redacted] | C | A | C | A | C | A | A | A | Closed | FCRE1197 | 2022-10-19 06:45 | 2022-11-01 08:27 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Blended score is acceptable - Due Diligence Vendor-11/01/2022 Ready for Review-We used a blended score of [redacted] - Due Diligence Vendor-10/31/2022 Open-Audited FICO of 654 is less than Guideline FICO of [redacted] Partial gift funds minimum fico score of 680 where as audited FICO IS [redacted] - Due Diligence Vendor-10/19/2022 |
Resolved-Blended score is acceptable - Due Diligence Vendor-11/01/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 698813 | ||||
| XXXXXXX_CSMC_2022-NQM6-224 | [redacted] | [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-NQM6-225 | [redacted] | [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-NQM6-226 | [redacted] | [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-NQM6-227 | [redacted] | [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-NQM6-228 | [redacted] | [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-NQM6-229 | [redacted] | [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-NQM6-230 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE3091 | 2022-10-17 10:17 | 2022-10-25 12:29 | Resolved | 1 - Information | C | A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Updated policy received - Due Diligence Vendor-10/25/2022 Ready for Review-Uploaded master policy - Due Diligence Vendor-10/24/2022 Open-Master Policy Expiration Date of [redacted] is Prior To the Transaction Date of [redacted] Updated Condo Master Policy is missing in this file. - Due Diligence Vendor-10/17/2022 |
Resolved-Updated policy received - Due Diligence Vendor-10/25/2022 |
796978_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 695893 | |||
| XXXXXXX_CSMC_2022-NQM6-231 | [redacted] | [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-NQM6-232 | [redacted] | [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-NQM6-233 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2022-10-25 12:20 | 2022-11-04 08:27 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/04/2022 Resolved-Received Visa - Due Diligence Vendor-11/04/2022 Ready for Review-attached is borrower's work visa w/ CA ID. please review & clear - Due Diligence Vendor-11/03/2022 Open-Borrower 1 Citizenship Documentation Is Missing Borrower is a non-permanent please provide citizenship proof for the same (Green card or any other supporting documents) - Due Diligence Vendor-10/25/2022 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/04/2022 Resolved-Received Visa - Due Diligence Vendor-11/04/2022 |
798976_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 707405 | |||
| XXXXXXX_CSMC_2022-NQM6-234 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-24 14:16 | 2022-10-31 16:59 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-10/31/2022 Open-Document Uploaded. AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-10/27/2022 Open-AVM does not support appraised value. Ordered BPO. - Due Diligence Vendor-10/24/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-10/31/2022 |
5504096_[redacted]_MissionGlobal_10.20.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 705752 | |||
| XXXXXXX_CSMC_2022-NQM6-235 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | Seller | FCOM4028 | 2022-10-25 09:45 | 2022-10-27 11:45 | Open | 1 - Information | A | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Missing evidence of Mortgage recording 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-10/26/2022 | Resolved-Missing evidence of Mortgage recording 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-10/26/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 707028 | ||||
| XXXXXXX_CSMC_2022-NQM6-236 | [redacted] | [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-NQM6-237 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | 123ABJ | 2022-10-24 16:24 | 2022-11-04 08:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing VVOE dated within 10 days consummation | Resolved-VOE received and clears finding - Due Diligence Vendor-11/04/2022 Ready for Review-Attached are the Final VOEs. please review & clear - Due Diligence Vendor-11/03/2022 Open-WVOEs provided were dated on 9/15 and 9/16. Loan closed on 10/7/22. - Due Diligence Vendor-10/24/2022 |
Resolved-VOE received and clears finding - Due Diligence Vendor-11/04/2022 |
798984_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Second Home | Purchase | NA | N/A | N/A | 706015 | |||
| XXXXXXX_CSMC_2022-NQM6-238 | [redacted] | [redacted] | D | A | D | A | C | A | A | A | Closed | FCOM4028 | 2022-10-21 12:43 | 2022-10-26 09:05 | Resolved | 1 - Information | D | A | Credit | 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-10/26/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-10/21/2022 |
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-10/26/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 703439 | ||||
| XXXXXXX_CSMC_2022-NQM6-239 | [redacted] | [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-NQM6-240 | [redacted] | [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-NQM6-241 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2022-10-22 10:29 | 2022-11-10 09:55 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/10/2022 Resolved-Received fraud report - Due Diligence Vendor-11/10/2022 Ready for Review-attached is the OFAC Clearance. please review & clear - Due Diligence Vendor-11/09/2022 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/22/2022 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/10/2022 Resolved-Received fraud report - Due Diligence Vendor-11/10/2022 |
800089_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704012 | |||
| XXXXXXX_CSMC_2022-NQM6-242 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Seller | FCRE1157 | 2022-10-22 10:17 | 2022-11-11 10:15 | Counter | 1 - Information | D | A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Counter-This is a townhome uploaded document is for the hoa Need Hazard insurance. - Due Diligence Vendor-11/11/2022 Resolved-Received insurance - Due Diligence Vendor-11/11/2022 Ready for Review-Upload HOA Master Policy - Due Diligence Vendor-11/10/2022 Open-Missing Hazard Insurance Policy - property is a townhouse. Borrower provided HO6 Interior Only insurance. Please provide full coverage insurance or a copy of the HOA insurance for the structure. - Due Diligence Vendor-10/22/2022 |
Resolved-Received insurance - Due Diligence Vendor-11/11/2022 |
801034_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704010 | |||
| XXXXXXX_CSMC_2022-NQM6-243 | [redacted] | [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-NQM6-244 | [redacted] | [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-NQM6-245 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE8860 | 2022-10-22 16:00 | 2022-11-18 13:53 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Resolved-Per updated rate sheet the loan is in guideline - Due Diligence Vendor-11/18/2022 Ready for Review-The 0.67 DSCR is allowed per applicable rate sheet and loan priced accordingly - Due Diligence Vendor-11/17/2022 Open-Originator and Calculated 0.67 DSCR score is less than 0.70 minimum guidelines - Due Diligence Vendor-10/22/2022 |
Resolved-Per updated rate sheet the loan is in guideline - Due Diligence Vendor-11/18/2022 |
801772_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704031 | |||
| XXXXXXX_CSMC_2022-NQM6-246 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCOM4028 | 2022-10-22 13:35 | 2022-11-18 13:52 | Resolved | 1 - Information | A | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-11/18/2022 Resolved-Received recorded mtg - Due Diligence Vendor-11/18/2022 Ready for Review-RECORDED DOT_MORTGAGE - Due Diligence Vendor-11/17/2022 Resolved-Missing evidence of Mortgage recording 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-10/26/2022 |
Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-11/18/2022 Resolved-Received recorded mtg - Due Diligence Vendor-11/18/2022 Resolved-Missing evidence of Mortgage recording 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-10/26/2022 |
801782_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704018 | |||
| XXXXXXX_CSMC_2022-NQM6-247 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | Seller | FCOM4028 | 2022-10-22 14:43 | 2022-11-01 10:57 | Open | 1 - Information | A | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Open- - Due Diligence Vendor-11/01/2022 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-10/26/2022 Open-Missing evidence of Mortgage recording unable to locate in file - Due Diligence Vendor-10/22/2022 |
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-10/26/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704024 | ||||
| XXXXXXX_CSMC_2022-NQM6-248 | [redacted] | [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-NQM6-249 | [redacted] | [redacted] | B | B | B | B | A | A | A | A | Closed | FCRE9806 | 2022-10-26 06:06 | 2022-10-26 06:06 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Other Credit Finding | Waived-Found Exception on page no.4 stating Broker appraisal expired on 10/05/2022 - Due Diligence Vendor-10/26/2022 | Waived-Found Exception on page no.4 stating Broker appraisal expired on 10/05/2022 - Due Diligence Vendor-10/26/2022 |
Refinance-cash out, Skin in the game since 2012, LTV 65%, Value $406,000 | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 708340 | |||
| XXXXXXX_CSMC_2022-NQM6-250 | [redacted] | [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-NQM6-251 | [redacted] | [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-NQM6-252 | [redacted] | [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-NQM6-253 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCRE7347 | 2022-10-24 09:11 | 2022-11-15 15:59 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lease Agreement | Resolved-SHort term rate sheet clears finding - Due Diligence Vendor-11/15/2022 Ready for Review-please see attached Rate Sheet (property is short term rental) & page 3 of the appraisal report (Est Monthly Market Rent amount was provided). - Due Diligence Vendor-11/15/2022 Open- - Due Diligence Vendor-10/24/2022 |
Resolved-SHort term rate sheet clears finding - Due Diligence Vendor-11/15/2022 |
801403_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 704884 | |||
| XXXXXXX_CSMC_2022-NQM6-254 | [redacted] | [redacted] | D | B | D | B | A | A | A | A | Closed | FCRE1492 | 2022-10-24 09:06 | 2022-10-24 09:06 | Waived | 2 - Non-Material | B | B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Cash Out Does Not Meet Guideline Requirements Cash out Exceeds guidelines. - Due Diligence Vendor-10/24/2022 | Waived-Cash Out Does Not Meet Guideline Requirements Cash out Exceeds guidelines. - Due Diligence Vendor-10/24/2022 |
free and clear, skin in game since 2021, 60% LTV pg 4 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 704867 | |||
| XXXXXXX_CSMC_2022-NQM6-255 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | FCOM3571 | 2022-10-25 09:53 | 2022-11-08 12:49 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Fully executed hud received - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded stamp certified final HUD. Buyer/seller signature is not required. - Due Diligence Vendor-11/04/2022 Open-Seller executed HUD missing in the file - Due Diligence Vendor-10/25/2022 |
Resolved-Fully executed hud received - Due Diligence Vendor-11/08/2022 |
799123_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 707050 | |||
| XXXXXXX_CSMC_2022-NQM6-256 | [redacted] | [redacted] | C | B | B | B | C | A | A | A | Closed | FCOM3571 | 2022-10-26 06:03 | 2022-11-08 12:50 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Received fully executed hud - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded stamp certified final HUD; buyer/seller signature not required. - Due Diligence Vendor-11/04/2022 Open-Seller's signatures are missing in HUD-1 Statement. - Due Diligence Vendor-10/26/2022 |
Resolved-Received fully executed hud - Due Diligence Vendor-11/08/2022 |
799125_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 708338 | |||
| XXXXXXX_CSMC_2022-NQM6-257 | [redacted] | [redacted] | C | B | B | B | C | A | A | A | Closed | FCRE1197 | 2022-10-26 05:50 | 2022-10-27 03:13 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 690 is less than Guideline FICO of 700 Found Exception on Page #4 stating Loan was submitted and approved 80% LTV with borrower having a 700 Fico. asking for a 10-point fico exception to go 80% LTV on BPND - Due Diligence Vendor-10/26/2022 | Waived-Audited FICO of 690 is less than Guideline FICO of 700 Found Exception on Page #4 stating Loan was submitted and approved 80% LTV with borrower having a 700 Fico. asking for a 10-point fico exception to go 80% LTV on BPND - Due Diligence Vendor-10/26/2022 |
Subject Property is in Pride of Ownership Condition. Subject is in a major metro area of Las Vegas with plenty of comps. Borrower has the following assets: Chase Personal Accounts equaling $130,000. Borrower has never been late on any mortgages. -50bps add to base rate and all other applicable add ons. 20% down must be borrowers and SSX60 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 708322 | |||
| XXXXXXX_CSMC_2022-NQM6-258 | [redacted] | [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-NQM6-259 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1480 | 2022-10-24 09:31 | 2022-11-18 13:54 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received additional asset statement - Due Diligence Vendor-11/18/2022 Ready for Review-Please find attached the missing August bank statement for Citibanamex account x2777 (and the translation) to complete 60 days source and seasoning requirement - Due Diligence Vendor-11/17/2022 Open-Asset Record 2 Does Not Meet G/L Requirements need additional month for 60 days S&S. Only 09/2022 stmt present in file page 20. - Due Diligence Vendor-10/24/2022 |
Resolved-Received additional asset statement - Due Diligence Vendor-11/18/2022 |
801758_1.pdf 801758_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704961 | |||
| XXXXXXX_CSMC_2022-NQM6-260 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1205 | 2022-10-24 09:34 | 2022-11-08 12:53 | Resolved | 1 - Information | C | A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-11/08/2022 Resolved-Received Ofac report - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded OFAC - Due Diligence Vendor-11/04/2022 Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-10/24/2022 |
Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-11/08/2022 Resolved-Received Ofac report - Due Diligence Vendor-11/08/2022 |
799133_1.pdf 799133_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704972 | |||
| XXXXXXX_CSMC_2022-NQM6-261 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2022-10-24 09:34 | 2022-11-08 12:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/08/2022 Resolved-Received fraud report - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded OFAC - Due Diligence Vendor-11/04/2022 Open-Missing Third Party Fraud Report - Due Diligence Vendor-10/24/2022 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/08/2022 Resolved-Received fraud report - Due Diligence Vendor-11/08/2022 |
799134_1.pdf 799134_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704973 | |||
| XXXXXXX_CSMC_2022-NQM6-262 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1152 | 2022-10-24 09:01 | 2022-11-08 12:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/08/2022 Resolved-Received tax cert - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded tax cert - Due Diligence Vendor-11/04/2022 Open-Missing Evidence of Property Tax - Due Diligence Vendor-10/24/2022 |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/08/2022 Resolved-Received tax cert - Due Diligence Vendor-11/08/2022 |
799127_1.pdf 799127_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704844 | |||
| XXXXXXX_CSMC_2022-NQM6-263 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1253 | 2022-10-24 09:01 | 2022-11-08 12:52 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-11/08/2022 Resolved-Received tax cert - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded tax cert - Due Diligence Vendor-11/04/2022 Open-Missing Property Tax Cert - Due Diligence Vendor-10/24/2022 |
Resolved-Property Tax Cert Provided - Due Diligence Vendor-11/08/2022 Resolved-Received tax cert - Due Diligence Vendor-11/08/2022 |
799128_1.pdf 799128_2.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704845 | |||
| XXXXXXX_CSMC_2022-NQM6-264 | [redacted] | [redacted] | D | B | A | A | A | A | D | B | Closed | FVAL1039 | 2022-10-23 11:20 | 2022-11-07 15:27 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/07/2022 Open-BPO not available, ordering Desk Review. - Due Diligence Vendor-11/04/2022 Open-AVM could not be generated. Ordered BPO. - Due Diligence Vendor-10/24/2022 Open-NO AVM or BPO Present - Due Diligence Vendor-10/23/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/07/2022 |
[redacted].pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 704175 | |||
| XXXXXXX_CSMC_2022-NQM6-265 | [redacted] | [redacted] | D | B | A | A | A | A | D | B | Closed | FPRO1251 | 2022-10-23 11:45 | 2022-10-23 11:45 | Waived | 2 - Non-Material | B | B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Property zoned legal non conforming but grandfathered in. Mgmt Exception page 3 - Due Diligence Vendor-10/23/2022 | Waived-Property zoned legal non conforming but grandfathered in. Mgmt Exception page 3 - Due Diligence Vendor-10/23/2022 |
58% LTV | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 704192 | |||
| XXXXXXX_CSMC_2022-NQM6-266 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE3653 | 2022-10-26 16:31 | 2022-11-11 10:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received explain - Due Diligence Vendor-11/11/2022 Ready for Review-attached is the tax cert which shows address match the Note. - Due Diligence Vendor-11/11/2022 Ready for Review-See Tax Cert the address on the Doc is corrected - Due Diligence Vendor-11/10/2022 Open-Please verify City of address. * Address in HUD/ Appraisal/AVM: City name [redacted] * HOI: : City name [redacted] * NOTE & DOT : [redacted] - Due Diligence Vendor-10/26/2022 |
Resolved-Received explain - Due Diligence Vendor-11/11/2022 |
801035_1.pdf 801082_1.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 710364 | |||
| XXXXXXX_CSMC_2022-NQM6-267 | [redacted] | [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-NQM6-268 | [redacted] | [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-NQM6-269 | [redacted] | [redacted] | C | B | C | B | A | A | A | A | Closed | FCRE9488 | 2022-10-28 12:21 | 2022-11-08 13:01 | Resolved | 1 - Information | C | A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Document provided clears finding - Due Diligence Vendor-11/08/2022 Ready for Review-According to USPS, the subject zip code [redacted] reflects [redacted], however, Wantage is another city name that is recognized; Uploaded USPS zip code search. - Due Diligence Vendor-11/04/2022 Open-Please verify the city of address. City shows Sussex on the appraisal and Wantage on other documents (HUD, DOT) [redacted] is the county on all documents. - Due Diligence Vendor-10/28/2022 |
Resolved-Document provided clears finding - Due Diligence Vendor-11/08/2022 |
799166_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 714285 | |||
| XXXXXXX_CSMC_2022-NQM6-270 | [redacted] | [redacted] | C | B | C | B | A | A | A | A | Closed | FCRE1197 | 2022-10-26 12:58 | 2022-10-26 13:02 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of [redacted] is less than Guideline FICO of [redacted] Exception Request : 70% LTV required [redacted] Credit score. Allow borrower's credit score [redacted]. Exception form is available on pg # 4 of 298 package - Due Diligence Vendor-10/26/2022 |
Waived-Audited FICO of [redacted] is less than Guideline FICO of [redacted] Exception Request : 70% LTV required [redacted] Credit score. Allow borrower's credit score 646. Exception form is available on pg # 4 of 298 package - Due Diligence Vendor-10/26/2022 |
Mortgage 36 months paid as agreed 72 months LCRs Pride of ownership - subject newly remodeled |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | Originator Pre-Close | Yes | 709726 | |||
| XXXXXXX_CSMC_2022-NQM6-271 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1479 | 2022-10-27 09:55 | 2022-11-11 10:17 | Resolved | 1 - Information | C | A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received statement - Due Diligence Vendor-11/11/2022 Ready for Review-Please see attached bank stmt. please review & clear - Due Diligence Vendor-11/10/2022 Open-Asset Record 1 Does Not Meet G/L Requirements Missing additional Chase statement as 60 days required for asset seasoning since borrower had to bring funds to close. - Due Diligence Vendor-10/27/2022 |
Resolved-Received statement - Due Diligence Vendor-11/11/2022 |
800258_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 711504 | |||
| XXXXXXX_CSMC_2022-NQM6-272 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2022-10-27 14:09 | 2022-11-11 10:18 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received DSCS worksheet - Due Diligence Vendor-11/11/2022 Ready for Review-DSCR attached - please review & clear - Due Diligence Vendor-11/10/2022 Open-Missing DSCR Calculation Worksheet. Originator score per Loan Approval is 0.918 (0.92%) which matches with Calculated score of 0.92% - Due Diligence Vendor-10/27/2022 |
Resolved-Received DSCS worksheet - Due Diligence Vendor-11/11/2022 |
800260_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A | 712332 | |||
| XXXXXXX_CSMC_2022-NQM6-273 | [redacted] | [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-NQM6-274 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2022-11-01 14:46 | 2022-11-11 10:19 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received DSCR worksheet - Due Diligence Vendor-11/11/2022 Ready for Review-DSCR attached - please review & clear - Due Diligence Vendor-11/10/2022 Open-DSCR worksheet missing - Due Diligence Vendor-11/01/2022 |
Resolved-Received DSCR worksheet - Due Diligence Vendor-11/11/2022 |
800261_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 718880 | |||
| XXXXXXX_CSMC_2022-NQM6-275 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-10-27 08:18 | 2022-11-02 09:18 | Resolved | 1 - Information | D | A | Credit | 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-11/02/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-10/27/2022 |
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-11/02/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 711165 | ||||
| XXXXXXX_CSMC_2022-NQM6-276 | [redacted] | [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-NQM6-277 | [redacted] | [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-NQM6-278 | [redacted] | [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-NQM6-279 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | finding-3635 | 2022-10-27 17:54 | 2022-11-17 14:24 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($2,642.50) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Tolerances are not being compared correctly to Initial LE 10/10/2022 because of the Initial LE timing condition. If the LE is calculated in we have no tolerance issue. - Due Diligence Vendor-10/28/2022 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 712765 | |||||
| XXXXXXX_CSMC_2022-NQM6-280 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | finding-3838 | 2022-10-27 17:54 | 2022-11-17 14:24 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: ( 12 CFR §1026.19(e)(1)(vi) )The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). Athas Capital in CA is open on Saturdays which means the SPL dated 10/10/2022 (on Columbus day which is a Federal Holiday observed in GA) was disclosed exactly 7 business days before closing 10/18/2022. - Due Diligence Vendor-10/28/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 712764 | |||||
| XXXXXXX_CSMC_2022-NQM6-281 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | finding-3837 | 2022-10-27 17:54 | 2022-11-17 14:24 | Resolved | 1 - Information | C | A | Compliance | ComplianceEase | Initial Loan Estimate Delivery Date Test (prior to consummation) | Resolved-Borrower provided financial hardship - Due Diligence Vendor-11/17/2022 Open-This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: ( 12 CFR §1026.19(e)(1)(iii)(B) )The initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. Athas Capital in CA is open on Saturdays which means the Initial Loan Estimate dated 10/10/2022 (on Columbus day which is a Federal Holiday observed in GA) was disclosed exactly 7 business days before closing 10/18/2022. - Due Diligence Vendor-10/28/2022 |
Resolved-Borrower provided financial hardship - Due Diligence Vendor-11/17/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 712755 | ||||
| XXXXXXX_CSMC_2022-NQM6-282 | [redacted] | [redacted] | C | A | A | A | C | A | A | A | Closed | finding-3532 | 2022-10-27 17:54 | 2022-11-17 14:22 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Ready for Review- Please find the Financial Hardship letter waiving the 3 day cool-down period. - Due Diligence Vendor-11/16/2022 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. Provide the missing Initial Closing Disclosure. Earliest CD in file is dated 10/17/2022. - Due Diligence Vendor-10/27/2022 |
801682_1.pdf 801682_2.pdf |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 712753 | ||||
| XXXXXXX_CSMC_2022-NQM6-283 | [redacted] | [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-NQM6-284 | [redacted] | [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-NQM6-285 | [redacted] | [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-NQM6-286 | [redacted] | [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-NQM6-287 | [redacted] | [redacted] | B | A | B | A | A | A | A | A | Closed | FCRE1182 | 2022-10-29 10:53 | 2022-11-11 10:20 | Resolved | 1 - Information | B | A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received DSCR worksheet - Due Diligence Vendor-11/11/2022 Ready for Review-DSCR attached - please review & clear - Due Diligence Vendor-11/10/2022 Open-Missing DSCR worksheet - Due Diligence Vendor-10/29/2022 |
Resolved-Received DSCR worksheet - Due Diligence Vendor-11/11/2022 |
800262_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 715109 | |||
| XXXXXXX_CSMC_2022-NQM6-288 | [redacted] | [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-NQM6-289 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE8860 | 2022-10-28 06:38 | 2022-11-11 10:21 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Audited DSCR does not meet guidelines requirements | Resolved-Underwriter response received - Due Diligence Vendor-11/11/2022 Ready for Review-We allowed no DSCR on this product at the time. See rate sheet/matrix dated 9-27-22 - Due Diligence Vendor-11/10/2022 Open-minimum is .70. Score is .52 - Due Diligence Vendor-10/28/2022 |
Resolved-Underwriter response received - Due Diligence Vendor-11/11/2022 |
800264_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 713102 | |||
| XXXXXXX_CSMC_2022-NQM6-290 | [redacted] | [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-NQM6-291 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM4227 | 2022-10-31 10:08 | 2022-11-18 14:10 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received CD that corrects findings - Due Diligence Vendor-11/18/2022 Ready for Review-The borrower signed the CD from closing, please see the Initial CD, CD from closing & Post-Closing CD. - Due Diligence Vendor-11/16/2022 Open-CD on page 468 has the corrected closing and funding dates but is not signed. Please provide a final CD signed by borrower with correct closing and funding dates. The one that is signed in file has different loan calcuations (Finance charge, TIP etc.) - Due Diligence Vendor-10/31/2022 |
Resolved-Received CD that corrects findings - Due Diligence Vendor-11/18/2022 |
801684_1.pdf 801684_2.pdf 801684_3.pdf |
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 | N/A | N/A | 716121 | |||
| XXXXXXX_CSMC_2022-NQM6-292 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2022-10-27 14:36 | 2022-11-18 14:09 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 Ready for Review-Please see the initial CD uploaded which disclosed the addition of the Discount Points - Due Diligence Vendor-11/16/2022 Open-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 $4,630.00.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). Provide the COC for the Loan Discount Fee increase on CD 10/03/2022. The only COC in file for that fee increase is dated 10/04/2022. - Due Diligence Vendor-10/27/2022 |
Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 |
801685_1.pdf | 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 | N/A | N/A | 712433 | |||
| XXXXXXX_CSMC_2022-NQM6-293 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2022-10-27 14:36 | 2022-11-18 14:09 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 Ready for Review-please see CoC & Initial Cd provided - Due Diligence Vendor-11/16/2022 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. Provide the COC for the Loan Discount Fee increase on CD 10/03/2022. The only COC in file for that fee increase is dated 10/04/2022. - Due Diligence Vendor-10/27/2022 |
Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 |
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 | N/A | N/A | 712431 | ||||
| XXXXXXX_CSMC_2022-NQM6-294 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2022-10-27 14:36 | 2022-11-18 14:09 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 Ready for Review-please see documentations providedf - Due Diligence Vendor-11/16/2022 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. Provide the COC for the Loan Discount Fee increase on CD 10/03/2022. The only COC in file for that fee increase is dated 10/04/2022. - Due Diligence Vendor-10/27/2022 |
Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 |
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 | N/A | N/A | 712430 | ||||
| XXXXXXX_CSMC_2022-NQM6-295 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3536 | 2022-11-18 14:01 | 2022-11-18 14:09 | Resolved | 1 - Information | C | A | Compliance | TRID | Initial Closing Disclosure Delivery Date and Changed Circumstances Date Test | Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 Open-This loan failed the initial closing disclosure delivery date and changed circumstances date test. ( 12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i) )The initial closing disclosure delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure) and §1026.19(e)(4)(ii) (relationship to closing disclosure).This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneIf a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms.Official Interpretations12 C.F.R. §1026.19(e)(4)(ii)Relationship to disclosures required under §1026.19(f)(1)(i).Revised disclosures may not be delivered at the same time as the Closing Disclosure. §1026.19(e)(4)(ii) prohibits a creditor from providing a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i)...However, if a creditor uses a revised estimate pursuant to § 1026.19(e)(3)(iv) for the purpose of determining good faith under § 1026.19(e)(3)(i) and (ii), § 1026.19(e)(4)(i) permits the creditor to provide the revised estimate in the disclosures required under § 1026.19(f)(1)(i) (including any corrected disclosures provided under § 1026.19(f)(2)(i) or (ii)). - Due Diligence Vendor-11/18/2022 |
Resolved-COC received and cleares finding - Due Diligence Vendor-11/18/2022 |
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 | N/A | N/A | 741687 | ||||
| XXXXXXX_CSMC_2022-NQM6-296 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-26 15:26 | 2022-11-01 17:21 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-11/01/2022 Open-AVM does not support appraised value. Ordered BPO. - Due Diligence Vendor-10/26/2022 |
Resolved-Document Uploaded. BPO supports original appraisal. - Due Diligence Vendor-11/01/2022 |
5505910_[redacted]_MissionGlobal_10.26.2022.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 710214 | |||
| XXXXXXX_CSMC_2022-NQM6-297 | [redacted] | [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-NQM6-298 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-26 15:26 | 2022-11-07 15:34 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/07/2022 Open-Document Uploaded. BPO does not support value. Ordered desk review. - Due Diligence Vendor-11/01/2022 Open-AVM could not be generated. Ordered BPO. - Due Diligence Vendor-10/26/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/07/2022 |
5505905_[redacted]_MissionGlobal_10.26.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 710209 | |||
| XXXXXXX_CSMC_2022-NQM6-299 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-10-26 15:26 | 2022-11-09 09:01 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/09/2022 Open-Document Uploaded. AVM does not support appraised value. Ordered BPO. ___AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-10/26/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/09/2022 |
5505909_BPD2022090276_MissionGlobal_10.26.2022.pdf BPD2022090276.pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 710213 | |||
| XXXXXXX_CSMC_2022-NQM6-300 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1173 | 2022-10-31 11:29 | 2022-11-08 15:29 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Master Condo Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/08/2022 Resolved-Master policy received - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded master policy. - Due Diligence Vendor-11/04/2022 Open-Missing Master Condo Insurance Policy missing master condo policy - Due Diligence Vendor-10/31/2022 |
Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-11/08/2022 Resolved-Master policy received - Due Diligence Vendor-11/08/2022 |
799198_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 716329 | |||
| XXXXXXX_CSMC_2022-NQM6-301 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCOM4028 | 2022-10-28 07:26 | 2022-11-02 14:37 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved- 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-11/02/2022 Open-Missing evidence of Mortgage recording - Due Diligence Vendor-10/28/2022 |
Resolved- 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-11/02/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 713236 | ||||
| XXXXXXX_CSMC_2022-NQM6-302 | [redacted] | [redacted] | B | B | B | B | A | A | A | A | Closed | FCRE9806 | 2022-10-27 07:12 | 2022-10-27 07:12 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Other Credit Finding | Waived-We Found Exception Pgno: 576. It States that the credit reports slightly over 60days old. - Due Diligence Vendor-10/27/2022 | Waived-We Found Exception Pgno: 576. It States that the credit reports slightly over 60days old. - Due Diligence Vendor-10/27/2022 |
Compensating factor states that the 6 months reserves and 45%LTV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 710986 | |||
| XXXXXXX_CSMC_2022-NQM6-303 | [redacted] | [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-NQM6-304 | [redacted] | [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-NQM6-305 | [redacted] | [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-NQM6-306 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1161 | 2022-10-31 03:49 | 2022-11-08 15:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/08/2022 Resolved-Received flood cert - Due Diligence Vendor-11/08/2022 Ready for Review-Uploaded Flood Cert - Due Diligence Vendor-11/03/2022 Open-Missing Flood Certificate - Due Diligence Vendor-10/31/2022 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-11/08/2022 Resolved-Received flood cert - Due Diligence Vendor-11/08/2022 |
798991_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 715588 | |||
| XXXXXXX_CSMC_2022-NQM6-307 | [redacted] | [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-NQM6-308 | [redacted] | [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-NQM6-309 | [redacted] | [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-NQM6-310 | [redacted] | [redacted] | C | B | C | B | A | A | A | A | Closed | FCRE1501 | 2022-11-08 09:31 | 2022-11-23 11:07 | Waived | 2 - Non-Material | C | B | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Waived-copy of cashier’s check paid to the title company. Investor waived due to the small amount and confirming it was paid - Due Diligence Vendor-11/23/2022 Open-Total Qualified Assets for Reserves Post-Close of $-522.39 is less than Total Required Reserve Amount of $0 Asset Qualification Does Not Meet Guideline Requirements Total Cash to close amount is $522.39 and the available assets is $0 there is shortage of $522.39 Assets - Due Diligence Vendor-11/08/2022 |
Waived-copy of cashier’s check paid to the title company. Investor waived due to the small amount and confirming it was paid - Due Diligence Vendor-11/23/2022 |
Comp Factors of 48% LTV and 769 FICO | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | 729180 | |||
| XXXXXXX_CSMC_2022-NQM6-311 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-11-03 10:57 | 2022-11-10 11:38 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/10/2022 Open-Document Uploaded. AVM does not support appraised value. Ordered BPO. ___AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-11/03/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/10/2022 |
5514999_[redacted]_MissionGlobal_11.3.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 722406 | |||
| XXXXXXX_CSMC_2022-NQM6-312 | [redacted] | [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-NQM6-313 | [redacted] | [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-NQM6-314 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE2109 | 2022-11-04 04:46 | 2022-11-11 10:22 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received DSCR worksheet - Due Diligence Vendor-11/11/2022 Ready for Review-attached is the income calculation - please review & clear - Due Diligence Vendor-11/11/2022 Open-Lender DSCR score sheet is missing - Due Diligence Vendor-11/04/2022 |
Resolved-Received DSCR worksheet - Due Diligence Vendor-11/11/2022 |
801064_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 723501 | |||
| XXXXXXX_CSMC_2022-NQM6-315 | [redacted] | [redacted] | D | A | A | A | A | A | D | A | Closed | FVAL1039 | 2022-11-03 10:57 | 2022-11-10 15:05 | Resolved | 1 - Information | D | A | Property | Value | Appraised value unsupported | Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/10/2022 Open-Document Uploaded. AVM does not support appraised value. Ordered BPO. ___AVM/BPO does not support value. Ordered desk review. - Due Diligence Vendor-11/03/2022 |
Resolved-Document Uploaded. Desk Review supports original appraisal. - Due Diligence Vendor-11/10/2022 |
5514995_[redacted]_MissionGlobal_11.3.2022.pdf [redacted].pdf |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | N/A | N/A | 722402 | |||
| XXXXXXX_CSMC_2022-NQM6-316 | [redacted] | [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-NQM6-317 | [redacted] | [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-NQM6-318 | [redacted] | [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-NQM6-319 | [redacted] | [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-NQM6-320 | [redacted] | [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-NQM6-321 | [redacted] | [redacted] | C | A | C | A | A | A | A | A | Closed | FCRE1159 | 2022-11-04 12:53 | 2022-11-11 13:04 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received insurance - Due Diligence Vendor-11/11/2022 Ready for Review-attached is the haz ins with effective date of 10/25/2022 .. please clear . loan funded 10/26/2022. - Due Diligence Vendor-11/11/2022 Open-Hazard Insurance Effective Date of 10-31-2022 is after the Note Date of 10-20-2022 UW considered HOI policy - Due Diligence Vendor-11/07/2022 |
Resolved-Received insurance - Due Diligence Vendor-11/11/2022 |
801110_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 724765 | |||
| XXXXXXX_CSMC_2022-NQM6-322 | [redacted] | [redacted] | C | B | A | A | C | B | A | A | Closed | FCOM3715 | 2022-11-04 09:26 | 2022-11-23 11:10 | Waived | 2 - Non-Material | C | B | Compliance | Disclosure | Note terms are incorrect | Waived-Investor waived guideline exception for IO term of 10 years with amortization of 20 years as guide requiring 5 years with 25 amortization. Investor accepts note as is. - Due Diligence Vendor-11/23/2022 Open-Incorrect NOTE: This is an Interest Only Fixed Note Loan, with I/O Term of 10 Years. Rate Sheet states "I/O term is 5 years", and loan has I/O Term with 10 Years. - Due Diligence Vendor-11/04/2022 |
Waived-Investor waived guideline exception for IO term of 10 years with amortization of 20 years as guide requiring 5 years with 25 amortization. Investor accepts note as is. - Due Diligence Vendor-11/23/2022 |
Comp Factors of 698 FICO vs 550 minimum and LTV of 70% vs 75% maximum. | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 724162 | |||
| XXXXXXX_CSMC_2022-NQM6-323 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1201 | 2022-11-08 16:09 | 2022-11-18 14:17 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/18/2022 Resolved-Received fraud report - Due Diligence Vendor-11/18/2022 Ready for Review-attached OFAC - Due Diligence Vendor-11/17/2022 Open-Missing Third Party Fraud Report - Due Diligence Vendor-11/08/2022 |
Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/18/2022 Resolved-Received fraud report - Due Diligence Vendor-11/18/2022 |
801760_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 729851 | |||
| XXXXXXX_CSMC_2022-NQM6-324 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3631 | 2022-11-11 10:40 | 2022-11-11 15:13 | Resolved | 1 - Information | A | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/11/2022 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-11/11/2022 |
Resolved-COC clears finding - Due Diligence Vendor-11/11/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 734118 | ||||
| XXXXXXX_CSMC_2022-NQM6-325 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3632 | 2022-11-11 10:40 | 2022-11-11 15:13 | Resolved | 1 - Information | A | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-COC clears finding - Due Diligence Vendor-11/11/2022 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-11/11/2022 |
Resolved-COC clears finding - Due Diligence Vendor-11/11/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 734119 | ||||
| XXXXXXX_CSMC_2022-NQM6-326 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | finding-3634 | 2022-11-11 10:40 | 2022-11-11 15:13 | Resolved | 1 - Information | A | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC clears finding - Due Diligence Vendor-11/11/2022 Open-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 $0.25.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-11/11/2022 |
Resolved-COC clears finding - Due Diligence Vendor-11/11/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 734120 | ||||
| XXXXXXX_CSMC_2022-NQM6-327 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM9967 | 2022-11-03 13:49 | 2022-11-11 10:51 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID: Loan Estimate Deficiency | Resolved-LE provided 11/11/22. - Due Diligence Vendor-11/11/2022 Ready for Review-Attached is the Initial LE - Due Diligence Vendor-11/11/2022 Open-Provide the missing Initial Loan Estimate. - Due Diligence Vendor-11/03/2022 |
Resolved-LE provided 11/11/22. - Due Diligence Vendor-11/11/2022 |
801068_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 722841 | |||
| XXXXXXX_CSMC_2022-NQM6-328 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM9970 | 2022-11-08 08:45 | 2022-11-11 10:46 | Resolved | 1 - Information | A | A | Compliance | Missing Doc | Missing Compliance Documentation Unable to Test Compliance | Resolved-SPL provided. - Due Diligence Vendor-11/11/2022 Ready for Review-please see Initial LE and Service Provider list provided. - Due Diligence Vendor-11/11/2022 Open-Missing final TIL and/or other documentation necessary to run Compliance Testing. Initial LE and Service Provider list missing - Due Diligence Vendor-11/08/2022 |
Resolved-SPL provided. - Due Diligence Vendor-11/11/2022 |
Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 729045 | ||||
| XXXXXXX_CSMC_2022-NQM6-329 | [redacted] | [redacted] | D | A | A | A | D | A | A | A | Closed | FCOM1797 | 2022-11-03 13:55 | 2022-11-11 10:45 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | Missing Service Provider List | Resolved- - Due Diligence Vendor-11/11/2022 Ready for Review-attached is the Service Provider List - Due Diligence Vendor-11/11/2022 Open-Provide the missing Service Provider List. - Due Diligence Vendor-11/03/2022 |
801069_1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | [redacted] | [redacted] | Primary Residence | Purchase | NA | N/A | N/A | 722847 | ||||
| XXXXXXX_CSMC_2022-NQM6-330 | [redacted] | [redacted] | B | B | B | B | A | A | A | A | Closed | FCRE3931 | 2022-11-07 08:00 | 2022-11-07 09:43 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Other Credit Finding 1 | Waived-Found Athas Exception form in Pg no 4 states "Cash Out exceeds $300,000" - Due Diligence Vendor-11/07/2022 | Waived-Found Athas Exception form in Pg no 4 states "Cash Out exceeds $300,000" - Due Diligence Vendor-11/07/2022 |
Low LTV 38%, Property owned free and clear (FN), Owned property since 2017 - paid cash $1300,000 | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 726756 | |||
| XXXXXXX_CSMC_2022-NQM6-331 | [redacted] | [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-NQM6-332 | [redacted] | [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-NQM6-333 | [redacted] | [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-NQM6-334 | [redacted] | [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-NQM6-335 | [redacted] | [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-NQM6-336 | [redacted] | [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] | Second Home | Purchase | NA | ||||||||||||||||||
| XXXXXXX_CSMC_2022-NQM6-337 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1180 | 2022-11-07 05:31 | 2022-11-11 13:02 | Resolved | 1 - Information | D | A | Credit | Missing Doc | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/11/2022 Resolved-Received HO6 - Due Diligence Vendor-11/11/2022 Ready for Review-Attached is the HO6 Ins. - please review & clear - Due Diligence Vendor-11/11/2022 Open-HO-6 Insurance Policy is Missing in the file - Due Diligence Vendor-11/07/2022 |
Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-11/11/2022 Resolved-Received HO6 - Due Diligence Vendor-11/11/2022 |
801091_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 726540 | |||
| XXXXXXX_CSMC_2022-NQM6-338 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1500 | 2022-11-07 05:49 | 2022-11-11 13:00 | Resolved | 1 - Information | C | A | Credit | Assets | Liquid Funds Post-Close is less than $0 | Resolved-Liquid Funds Post Close are $76.72 Document received clears finding - Due Diligence Vendor-11/11/2022 Ready for Review-please see uploaded proof of funds to close - Due Diligence Vendor-11/11/2022 Open-Liquid Funds Post Close are less than $0 - Due Diligence Vendor-11/07/2022 |
Resolved-Liquid Funds Post Close are $76.72 Document received clears finding - Due Diligence Vendor-11/11/2022 |
ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 726572 | ||||
| XXXXXXX_CSMC_2022-NQM6-339 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE1501 | 2022-11-07 05:49 | 2022-11-11 13:00 | Resolved | 1 - Information | C | A | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Total Qualified Assets for Reserves Post-Close of $76.72 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-11/11/2022 Ready for Review-attached is proof of funds to close - Due Diligence Vendor-11/11/2022 Open-Total Qualified Assets for Reserves Post-Close of $-1023.05 is less than Total Required Reserve Amount of $0 Asset Qualification Does Not Meet Guideline Requirements Total Cash to close amount is $1023.05. and the available assets is $0 there is shortage of $1023.05 Assets - Due Diligence Vendor-11/07/2022 |
Resolved-Total Qualified Assets for Reserves Post-Close of $76.72 is equal to or greater than Total Required Reserve Amount of $0 - Due Diligence Vendor-11/11/2022 |
801089_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 726573 | |||
| XXXXXXX_CSMC_2022-NQM6-340 | [redacted] | [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-NQM6-341 | [redacted] | [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-NQM6-342 | [redacted] | [redacted] | D | A | D | A | A | A | A | A | Closed | FCRE6019 | 2022-11-07 08:02 | 2022-11-11 13:05 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/11/2022 Resolved-Received passport - Due Diligence Vendor-11/11/2022 Ready for Review-attached is a copy of borrower's passport - Due Diligence Vendor-11/11/2022 Open-Borrower 1 Citizenship Documentation Is Missing As per 1003, Borrower is NPRA, but have not provided any document for Verification such as DL, EAD, Passport. - Due Diligence Vendor-11/07/2022 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/11/2022 Resolved-Received passport - Due Diligence Vendor-11/11/2022 |
801107_1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA | N/A | N/A | 726769 | |||
| XXXXXXX_CSMC_2022-NQM6-343 | [redacted] | [redacted] | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt | [redacted] | [redacted] | Investment | Purchase | NA |