EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:    PennyMac
Client Project Name:    PNMAC - PMTLT 2026-J2 16584
Rating Agency ATR QM Data Fields
Loans in Report:    50

 

Deal
ID 		   Loan
Number		   Loan Level
ATR/QM
Status		   Application
Date Prior
to 1/10/2014		   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
1   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   23872.4   XXXXXX   6.3728   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
2   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   9099.7   XXXXXX   6.9138   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
3   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   6.5135   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
4   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   22823.64   XXXXXX   6.4324   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
5   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11530.95   XXXXXX   6.5238   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
6   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1295   XXXXXX   6.583   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
7   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1825   XXXXXX   6.2816   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
259   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1420   XXXXXX   6.7626   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
8   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1250   XXXXXX   6.6379   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   Yes   41628.66
9   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11533.4   XXXXXX   6.5956   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
11   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1094.71   XXXXXX   6.0428   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
12   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1329.35   XXXXXX   6.1337   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
13   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1745   XXXXXX   6.3911   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
14   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2549   XXXXXX   6.1957   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
15   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11610   XXXXXX   6.9765   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
260   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1420   XXXXXX   6.149   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
17   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1499   XXXXXX   6.2728   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
18   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11850.4   XXXXXX   7.024   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
19   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.118   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
20   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1314   XXXXXX   6.3179   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
21   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1499   XXXXXX   6.2877   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
22   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2611.43   XXXXXX   6.8968   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
23   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2094   XXXXXX   6.2835   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
24   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3170.13   XXXXXX   6.1571   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
25   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5932.49   XXXXXX   6.76   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0

Deal
ID 		   Loan
Number		   Loan Level
ATR/QM
Status		   Application
Date Prior
to 1/10/2014		   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
26   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2835   XXXXXX   7.3348   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
27   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.5446   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
30   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   16175   XXXXXX   6.6077   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
31   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5984   XXXXXX   5.644   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
48   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   865   XXXXXX   6.1315   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
32   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1195   XXXXXX   6.6296   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
33   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6361.9   XXXXXX   6.5646   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
34   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1895   XXXXXX   7.5931   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
35   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1350   XXXXXX   6.8302   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
52   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1265   XXXXXX   7.2669   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
36   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   7.1251   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   Yes   0
37   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1195   XXXXXX   6.2627   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
38   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1735   XXXXXX   6.4273   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
39   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1605   XXXXXX   6.4133   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
40   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1585   XXXXXX   5.5423   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
41   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7104.42   XXXXXX   6.1416   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
42   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.6356   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
43   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   22955.57   XXXXXX   6.6364   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
44   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2535   XXXXXX   6.9027   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
46   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1673.62   XXXXXX   6.6586   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
49   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.9885   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
45   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.1445   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
53   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   6.4002   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
51   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1419.23   XXXXXX   6.5828   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
50   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1650   XXXXXX   6.8441   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0

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