EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:

Client Project Name:

   

PennyMac

PNMAC PMTLT 2026-CNF3 J16585

Rating Agency ATR QM Data Fields
Loans in Report:    268

 

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

615   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1088   XXXXXX   6.7645   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
592   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11188   XXXXXX   6.162   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
593   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4919.6   XXXXXX   6.1341   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
5   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5025.28   XXXXXX   5.9355   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
6   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7684   XXXXXX   6.0366   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
8   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10958   XXXXXX   6.4932   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
9   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2040.29   XXXXXX   5.854   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
12   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5894.25   XXXXXX   6.4339   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
13   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5476.41   XXXXXX   7.4862   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
14   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6550.19   XXXXXX   6.1745   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
15   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8408   XXXXXX   5.0173   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
20   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8077.62   XXXXXX   6.1534   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
21   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7388   XXXXXX   6.9404   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
22   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   27.95   XXXXXX   6.9932   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
23   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10451.88   XXXXXX   6.2497   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
27   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7181.9   XXXXXX   6.2144   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
28   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11089.76   XXXXXX   6.514   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
30   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10331.53   XXXXXX   5.944   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
31   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11630.19   XXXXXX   6.1623   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
32   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6337.5   XXXXXX   5.9873   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
33   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8624   XXXXXX   6.767   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
34   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6912   XXXXXX   6.732   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
594   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2095   XXXXXX   6.9673   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
41   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1814   XXXXXX   6.788   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
44   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.9932   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
48   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3209   XXXXXX   6.5733   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   7.2542   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
51   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1014   XXXXXX   6.5591   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
52   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2957.75   XXXXXX   6.2228   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
53   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2490   XXXXXX   6.3362   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
54   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1095   XXXXXX   6.031   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
55   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2185   XXXXXX   6.5717   Employed   (No Data)   U.S. Citizen   (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

598   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2169   XXXXXX   6.657   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
599   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   6.7956   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
60   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2571.4   XXXXXX   6.0903   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
595   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5412.85   XXXXXX   7.2606   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
64   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2966.7   XXXXXX   6.0157   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
66   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2405.14   XXXXXX   5.8682   Employed   Employed   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
67   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   335.19   XXXXXX   5.9954   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
596   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5870.29   XXXXXX   5.9054   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
69   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   6.0815   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
70   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.7961   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
71   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2699   XXXXXX   5.8975   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
79   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9692.59   XXXXXX   5.3775   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
80   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2369   XXXXXX   6.1256   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
82   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2162.01   XXXXXX   5.9447   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
83   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7615.51   XXXXXX   5.6821   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
85   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.0953   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
88   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.124   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
93   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   5.7925   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
95   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4983.12   XXXXXX   5.8852   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
97   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0306   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
99   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3765   XXXXXX   5.8453   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
100   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10004.09   XXXXXX   5.7347   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4673.1   XXXXXX   6.1701   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
102   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.7941   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
103   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4881.5   XXXXXX   6.2178   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
106   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2219.42   XXXXXX   5.9091   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
107   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.9489   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
108   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7352.5   XXXXXX   5.7788   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
109   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2619   XXXXXX   6.2115   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
111   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   952.77   XXXXXX   6.0132   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
113   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   6.1403   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
114   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2739   XXXXXX   6.4421   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
119   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14120.5   XXXXXX   6.0642   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
120   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1495   XXXXXX   6.18   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
121   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1494.62   XXXXXX   6.0074   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
127   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7709.42   XXXXXX   6.8469   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
130   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.6628   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
131   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6032.7   XXXXXX   6.744   Employed   (No Data)   U.S. Citizen   (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

132   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.787   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
133   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9853   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
141   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4822.35   XXXXXX   6.1548   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
142   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3713.95   XXXXXX   5.9141   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
144   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   820.69   XXXXXX   5.9146   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
148   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9911   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
151   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2589   XXXXXX   5.8242   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
152   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1657.7   XXXXXX   6.1623   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
155   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2644.17   XXXXXX   6.7084   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
163   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3552.4   XXXXXX   5.7612   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
165   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.7885   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
166   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2390.48   XXXXXX   5.9007   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
169   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4141.1   XXXXXX   5.9174   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
170   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2669   XXXXXX   6.166   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
174   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.6621   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
175   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2231.72   XXXXXX   5.7166   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
177   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3528.85   XXXXXX   6.6008   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
178   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1388.8   XXXXXX   5.9069   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
180   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.9118   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
184   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2692.2   XXXXXX   5.9958   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
185   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.5327   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
192   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3007.68   XXXXXX   6.0157   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
193   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.292   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
195   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3014.64   XXXXXX   6.4153   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
201   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6176.5   XXXXXX   5.9274   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
204   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3193.35   XXXXXX   6.0449   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
208   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3915.62   XXXXXX   5.9444   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
209   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4247.8   XXXXXX   6.0394   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
213   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3367.88   XXXXXX   5.6831   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
215   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3540.47   XXXXXX   5.9327   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
218   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3339   XXXXXX   5.6565   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
220   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1343   XXXXXX   6.0176   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
221   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3101.51   XXXXXX   6.312   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
224   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.016   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
225   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5413.29   XXXXXX   6.0229   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
227   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.5326   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
229   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9595   XXXXXX   6.1471   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
600   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   880   XXXXXX   5.7706   Employed   Employed   U.S. Citizen   U.S. Citizen   (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

232   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2155   XXXXXX   6.1718   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
235   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1900   XXXXXX   5.3202   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
236   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   15280.38   XXXXXX   5.8844   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
597   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8485.94   XXXXXX   6.2668   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
245   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5295   XXXXXX   5.1445   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
246   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2404.68   XXXXXX   5.0615   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
247   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1800   XXXXXX   4.9395   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
248   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10120   XXXXXX   6.4999   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
249   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   645   XXXXXX   6.1541   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
253   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2375   XXXXXX   6.5744   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
255   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1995   XXXXXX   6.2058   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
257   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6023.6   XXXXXX   7.0043   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
258   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   100   XXXXXX   5.2748   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
259   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   830.72   XXXXXX   6.2174   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
260   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1225   XXXXXX   6.4321   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
262   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1350   XXXXXX   4.7973   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
263   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   4.99   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
264   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1995   XXXXXX   5.3066   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
266   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6033.15   XXXXXX   5.3424   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
267   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3620.75   XXXXXX   5.3506   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
269   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1480   XXXXXX   5.0386   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
270   XXXXXX   Non-QM: Lender documented all ATR UW factors   No   XXXXXX   XXXXXX   Yes   No   9188.46   XXXXXX   6.388   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
273   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5349.6   XXXXXX   4.8005   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
277   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   599   XXXXXX   6.2449   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
279   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1800   XXXXXX   5.3021   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
280   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   194.4   XXXXXX   5.8876   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
281   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1708.3   XXXXXX   6.3134   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
283   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   4.9694   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
286   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7080   XXXXXX   6.3526   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
288   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5292   XXXXXX   5.0251   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
293   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1399   XXXXXX   6.0014   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
296   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   899   XXXXXX   5.8898   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
297   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4770   XXXXXX   7.2671   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
300   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7568.35   XXXXXX   6.1382   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
302   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6456   XXXXXX   5.998   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
304   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   995   XXXXXX   6.0138   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
306   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4190   XXXXXX   7.0819   Employed   Employed   U.S. Citizen   U.S. Citizen   (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

308   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7840   XXXXXX   6.3002   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
310   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.0192   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
311   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9435   XXXXXX   6.7757   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
312   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.3794   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
317   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4245   XXXXXX   5.4659   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
318   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   7.2812   Employed   Employed   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
319   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   895   XXXXXX   6.641   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
328   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6294.75   XXXXXX   5.9695   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
329   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3995   XXXXXX   5.8745   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
330   XXXXXX   QM: Rebuttable Presumption (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2810   XXXXXX   9.0645   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
331   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1198   XXXXXX   6.5319   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
340   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2926.02   XXXXXX   6.4873   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
341   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1689   XXXXXX   5.9129   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
343   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4935   XXXXXX   6.0199   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
344   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   604.9   XXXXXX   6.0109   Retired   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
345   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2225   XXXXXX   7.1408   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
348   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1412   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
351   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9172.6   XXXXXX   6.6297   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
352   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1830   XXXXXX   6.9371   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   Yes   0
353   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2400.98   XXXXXX   6.5414   Unemployed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
358   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1990   XXXXXX   6.244   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
361   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1075   XXXXXX   5.9093   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
363   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12445   XXXXXX   6.6756   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
364   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   6.4184   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
365   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2045   XXXXXX   6.1538   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
369   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5007.5   XXXXXX   6.442   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
372   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1790   XXXXXX   6.1334   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
373   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.2717   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
378   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3092.25   XXXXXX   6.5887   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
380   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.8752   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
381   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3675   XXXXXX   6.8082   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
382   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   13130.21   XXXXXX   6.387   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
383   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1895   XXXXXX   6.0276   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
384   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.1523   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
388   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4184   XXXXXX   6.0692   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
390   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1645   XXXXXX   6.5845   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
393   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1895   XXXXXX   6.0171   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
394   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1880   XXXXXX   5.9037   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (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

396   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3911.2   XXXXXX   6.6182   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
397   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14520   XXXXXX   6.9925   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
398   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1670   XXXXXX   6.1471   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
400   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2104.8   XXXXXX   6.3589   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
401   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7824.96   XXXXXX   6.6175   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
404   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4729.5   XXXXXX   6.6746   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
406   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11329.6   XXXXXX   5.7987   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
409   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12930   XXXXXX   6.0721   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
410   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3381.4   XXXXXX   6.375   Employed   Unemployed   Non-Permanent Resident Alien   U.S. Citizen   (No Data)   No   0
412   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6796   XXXXXX   6.0056   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
415   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7473.6   XXXXXX   6.7335   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
417   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   120   XXXXXX   5.8675   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
418   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14094   XXXXXX   6.1105   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
419   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2404   XXXXXX   6.6507   Employed   Employed   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
420   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   120   XXXXXX   6.4977   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
421   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   995   XXXXXX   6.2213   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
423   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1259   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
425   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7795   XXXXXX   6.1156   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
426   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4428.88   XXXXXX   6.0084   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
427   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11453   XXXXXX   6.1827   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
429   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12001.54   XXXXXX   6.2499   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
430   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10472.85   XXXXXX   6.3095   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
431   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2452.82   XXXXXX   6.1681   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
432   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   16185   XXXXXX   6.2164   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
434   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.6063   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
437   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2394.29   XXXXXX   5.77   Employed   Unemployed   Permanent Resident Alien   U.S. Citizen   (No Data)   No   0
440   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.6584   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
441   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   565   XXXXXX   6.1415   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
445   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   6.9256   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
448   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6895   XXXXXX   6.2158   Employed   Employed   U.S. Citizen   Non-Permanent Resident Alien   (No Data)   No   0
449   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   768.88   XXXXXX   6.4246   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
450   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6500   XXXXXX   6.0596   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
451   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1694   XXXXXX   6.5585   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
453   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7250   XXXXXX   6.2582   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
455   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8262.25   XXXXXX   6.7642   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
456   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   20222.09   XXXXXX   6.8141   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
457   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3399   XXXXXX   6.6475   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
458   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1888   XXXXXX   6.1437   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (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

460   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8671.52   XXXXXX   6.2648   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
461   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1798.36   XXXXXX   6.0345   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
466   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14231   XXXXXX   6.3318   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
470   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9170   XXXXXX   6.2565   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
471   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6640.63   XXXXXX   6.8949   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
474   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   13802   XXXXXX   7.2155   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
478   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12751.88   XXXXXX   6.2251   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
481   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6556   XXXXXX   6.9156   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
485   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1790   XXXXXX   6.2612   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
486   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1251.93   XXXXXX   6.1366   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
487   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11451.25   XXXXXX   6.1582   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
495   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8159.93   XXXXXX   6.3554   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
496   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   380   XXXXXX   5.8555   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
497   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4514.68   XXXXXX   6.2498   Employed   Employed   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
500   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11906.88   XXXXXX   6.1369   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
502   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7238.99   XXXXXX   6.0338   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
503   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5420.67   XXXXXX   6.9076   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   No   0
506   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1303   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
509   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1490   XXXXXX   6.2589   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
511   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1895   XXXXXX   6.2854   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
512   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1895   XXXXXX   6.2715   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
515   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.6874   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
519   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2290   XXXXXX   6.2035   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
521   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   300   XXXXXX   5.9969   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
522   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2434.74   XXXXXX   6.1777   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
534   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9776   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
535   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1662   XXXXXX   6.5446   Retired   Retired   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
537   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1349   XXXXXX   6.1802   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
539   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9286.21   XXXXXX   6.2088   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
541   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   15319.13   XXXXXX   6.1762   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
542   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8695   XXXXXX   6.202   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
544   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1710   XXXXXX   6.7152   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
548   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12607.45   XXXXXX   6.9274   Unemployed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
553   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1554.27   XXXXXX   5.9059   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
559   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1495   XXXXXX   6.8424   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
561   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1610   XXXXXX   6.9798   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
562   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1900   XXXXXX   6.9049   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
564   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5994.95   XXXXXX   7.5531   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (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

565   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14655   XXXXXX   0   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
569   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   13120   XXXXXX   5.9998   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
570   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1803.52   XXXXXX   6.5883   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
571   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2245   XXXXXX   6.5465   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
573   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.101   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
576   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6608.8   XXXXXX   6.2738   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
585   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1350   XXXXXX   6.5359   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
586   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10930   XXXXXX   6.8894   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
590   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1476   XXXXXX   6.3442   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0

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