Exhibit 99.3
EXHIBIT 99.3 CLAYTON RATING AGENCY ATR QM DATA FIELDS
| Client Name: | |||
| Client Project Name: | SEMT 2025-7 | ||
| Start - End Dates: | 2/3/2025 - 6/24/2025 | ||
| Deal Loan Count: | 132 | ||
| Rating Agency ATR QM Data Fields | |||
| Loans in Report: | 132 | ||
| Loan Number | Loan Level ATR/QM Status | Application Date Prior to 1/10/2014 | TRID Indicator | Lender Application Date | Broker Application Date | GSE Eligible | QRM Flag | ATR/QM Total Points and Fees | Rate Lock Date | APR | Bwr 1 Employment Indicator | Bwr 2 Employment Indicator | Bwr 1 Foreign National Indicator | Bwr 2 Foreign National Indicator | Borrowers Qualified Through a Non-Resident Alien Program | Residual Income Analysis in File | ATR/QM Residual Income |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 6.5275 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 17375 | XXXXX | 7.1724 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2269 | XXXXX | 7.1487 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15595 | XXXXX | 6.4271 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4609.75 | XXXXX | 6.7905 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.6171 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2370 | XXXXX | 6.8934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 7.0235 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2470 | XXXXX | 6.8974 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2665 | XXXXX | 6.7617 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1240 | XXXXX | 6.8934 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2845 | XXXXX | 6.4092 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2519 | XXXXX | 6.2699 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.8139 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2664.85 | XXXXX | 6.7723 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1320 | XXXXX | 6.594 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 7.4471 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1580 | XXXXX | 7.0129 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4670.25 | XXXXX | 6.9612 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2382 | XXXXX | 6.7624 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270.25 | XXXXX | 6.9441 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10756.4 | XXXXX | 6.5177 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2095 | XXXXX | 6.254 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12015 | XXXXX | 7.0208 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270 | XXXXX | 7.3954 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14375 | XXXXX | 7.2661 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12001 | XXXXX | 6.878 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15260 | XXXXX | 7.0199 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1381 | XXXXX | 7.3933 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 23795 | XXXXX | 7.1811 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.773 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 7.49 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4065 | XXXXX | 7.2943 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 7.7722 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.2889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9900 | XXXXX | 6.9679 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 27018.76 | XXXXX | 8.0406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1680 | XXXXX | 6.9395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020.25 | XXXXX | 6.7736 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 7.2766 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 7.1167 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2080.25 | XXXXX | 6.9553 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.5702 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17176.88 | XXXXX | 6.9449 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 6.3902 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2243 | XXXXX | 7.1228 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2975 | XXXXX | 6.7805 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1408 | XXXXX | 6.4156 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.7632 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3265 | XXXXX | 7.149 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.5922 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4980 | XXXXX | 7.4359 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 7.4022 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11865 | XXXXX | 7.5117 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13585 | XXXXX | 7.2724 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1295 | XXXXX | 7.1942 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1950 | XXXXX | 7.4157 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.5256 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1720.25 | XXXXX | 6.7791 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2045 | XXXXX | 7.4034 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16295 | XXXXX | 7.3745 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1865.25 | XXXXX | 6.7834 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16159 | XXXXX | 6.9042 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3694.4 | XXXXX | 6.2979 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.7814 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.5548 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1419 | XXXXX | 6.8006 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13008 | XXXXX | 6.9038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.8664 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12500 | XXXXX | 7.5029 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3619.97 | XXXXX | 6.8895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.9125 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1210 | XXXXX | 7.145 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1556 | XXXXX | 7.0122 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 7.4171 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9072 | XXXXX | 7.342 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1555 | XXXXX | 6.9459 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 7.0533 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 7.0266 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | ATR/QM: Status Pending | No | Yes | XXXXX | XXXXX | No | No | 2020 | XXXXX | 7.2777 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1770 | XXXXX | 6.4928 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 414 | XXXXX | 6.7946 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 7.269 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1740 | XXXXX | 7.1791 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.9008 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1376 | XXXXX | 7.784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1670 | XXXXX | 7.2868 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12902.72 | XXXXX | 7.1992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 7.4278 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1756 | XXXXX | 7.0078 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2944 | XXXXX | 7.5191 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2140.25 | XXXXX | 7.0258 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4554.08 | XXXXX | 7.2958 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 6.7841 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1180.9 | XXXXX | 6.778 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 7.0661 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2790 | XXXXX | 6.948 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.8953 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2085 | XXXXX | 6.6969 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.7646 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.4143 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 6.5742 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3865 | XXXXX | 7.286 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.8459 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 35108.5 | XXXXX | 7.934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.8694 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1588 | XXXXX | 6.8982 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1700 | XXXXX | 6.763 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890.25 | XXXXX | 7.0332 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8666.25 | XXXXX | 6.9406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3680.4 | XXXXX | 7.5312 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4190 | XXXXX | 7.2996 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20620 | XXXXX | 6.7474 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 6.9157 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.9115 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11295 | XXXXX | 6.542 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1857 | XXXXX | 6.9823 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14431.12 | XXXXX | 7.1771 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1948 | XXXXX | 7.5369 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1925 | XXXXX | 7.1902 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2432 | XXXXX | 6.9938 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1500 | XXXXX | 6.8944 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5138 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2025.25 | XXXXX | 7.002 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 7.1408 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2269 | XXXXX | 6.8891 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 7.0296 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.2631 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6531 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | Non-QM: Lender documented all ATR UW factors | No | Yes | XXXXX | XXXXX | No | No | 1970.35 | XXXXX | 7.0557 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1920 | XXXXX | 7.4107 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4607.5 | XXXXX | 6.3683 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
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