EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:    PennyMac
Client Project Name:    PNMAC PMTLT 2026-CNF4 J16696
Rating Agency ATR QM Data Fields
Loans in Report:    255

 

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
418   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5428.8   XXXXXX   6.6085   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
3   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8288   XXXXXX   6.0933   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
5   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6887.6   XXXXXX   6.2135   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
421   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7498   XXXXXX   6.1824   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
12   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6128   XXXXXX   6.9572   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
13   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12578   XXXXXX   5.8979   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
16   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5708   XXXXXX   6.2373   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
19   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11288   XXXXXX   6.2719   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
22   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10069.65   XXXXXX   6.3001   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
25   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9088   XXXXXX   6.1989   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
423   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13781.63   XXXXXX   6.1555   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
424   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11133.14   XXXXXX   6.1472   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
28   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3003.15   XXXXXX   5.7634   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
425   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   74   XXXXXX   7.0303   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
428   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   16125   XXXXXX   6.6419   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
429   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11638   XXXXXX   6.1267   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
431   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1328   XXXXXX   6.1429   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
371   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.75   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
370   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3011   XXXXXX   7.0454   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
432   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5788   XXXXXX   6.0033   Employed   Employed   Permanent Resident Alien   U.S. Citizen   (No Data)   No   0
433   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.8615   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
350   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   17208   XXXXXX   6.3012   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   No   0
30   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.8849   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
31   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5831.46   XXXXXX   6.4154   Employed   Unemployed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
33   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2300   XXXXXX   5.9287   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
34   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.3832   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
35   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3949   XXXXXX   6.068   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
37   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7215.8   XXXXXX   6.1166   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
437   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   850.25   XXXXXX   6.1382   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
439   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2190   XXXXXX   5.9933   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
42   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.9173   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
43   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6759.21   XXXXXX   7.0316   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
44   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4033.99   XXXXXX   5.9192   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
442   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1569   XXXXXX   6.0339   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
47   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0043   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   Yes   0
443   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6863.84   XXXXXX   6.4448   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
49   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2659   XXXXXX   6.5386   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
53   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.1598   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
444   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10434.05   XXXXXX   6.3075   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
55   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6932.15   XXXXXX   5.7459   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
59   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8319.57   XXXXXX   5.6916   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
60   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4660.2   XXXXXX   5.6983   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
66   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8030.11   XXXXXX   5.8762   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
67   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6874.64   XXXXXX   5.9289   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
69   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3269   XXXXXX   5.8996   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
71   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2346.92   XXXXXX   6.052   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
72   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8231.82   XXXXXX   6.4456   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
446   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.9432   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
76   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9214.01   XXXXXX   6.0215   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
77   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.2599   Employed   Employed   U.S. Citizen   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
82   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2273.3   XXXXXX   6.1648   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
448   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2459   XXXXXX   6.4566   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
386   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2864   XXXXXX   6.0203   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
88   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2197.54   XXXXXX   5.8081   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
347   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.6576   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
92   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2174   XXXXXX   5.8444   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
449   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.8629   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
97   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4787.8   XXXXXX   6.1693   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
99   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6274.25   XXXXXX   7.1108   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
100   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3420.3   XXXXXX   6.2542   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.4132   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
102   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4172.9   XXXXXX   6.2202   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
103   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2199   XXXXXX   6.1241   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
106   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2901.23   XXXXXX   5.6684   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
107   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3396.84   XXXXXX   5.9359   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
111   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.5423   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
112   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5145.58   XXXXXX   6.1198   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
113   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.0574   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
114   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.9149   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
451   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1358.16   XXXXXX   6.1648   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
452   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.8875   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
115   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.5385   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
454   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.2025   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
119   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2544   XXXXXX   6.7495   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
455   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4534.29   XXXXXX   6.2953   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
121   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.1044   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
355   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5624.4   XXXXXX   6.1339   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
122   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2407.61   XXXXXX   5.9308   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
123   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3219   XXXXXX   5.8407   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
456   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2644   XXXXXX   6.0194   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
126   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.9151   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
457   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9334   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
127   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6055.92   XXXXXX   6.2319   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
128   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   250   XXXXXX   6.1517   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
129   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   966.24   XXXXXX   5.9032   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
131   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0334   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
132   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14938.58   XXXXXX   6.0504   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
459   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7335.85   XXXXXX   5.7893   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
133   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1655   XXXXXX   5.9439   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
461   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.7418   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
462   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3602   XXXXXX   5.8157   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
463   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3739.45   XXXXXX   6.4202   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
134   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3830.01   XXXXXX   6.0092   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
136   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2619   XXXXXX   5.9146   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
140   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2443.05   XXXXXX   6.0279   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   No   0
141   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2509   XXXXXX   6.1385   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
143   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2565   XXXXXX   5.6575   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
468   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   818   XXXXXX   5.8897   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
144   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   790.29   XXXXXX   6.2729   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
145   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2739   XXXXXX   5.7817   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
148   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   924   XXXXXX   6.1801   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
382   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1415   XXXXXX   6.0225   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
150   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.9658   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
151   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0275   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
476   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.0343   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
478   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2875.76   XXXXXX   5.9612   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
479   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3295.3   XXXXXX   6.0269   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
483   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4996.2   XXXXXX   5.7584   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
485   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   8555.62   XXXXXX   5.7087   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
384   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6073.43   XXXXXX   5.7148   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
486   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.6569   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
375   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.99   Employed   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
154   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3338   XXXXXX   5.9072   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
488   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.8081   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
388   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   5.9855   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
491   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2194   XXXXXX   5.992   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
492   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4058.92   XXXXXX   5.9752   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
494   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   10210.8   XXXXXX   6.0174   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
374   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2192.97   XXXXXX   5.9159   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
497   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0223   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
340   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4271.52   XXXXXX   5.9654   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
499   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7676.8   XXXXXX   6.3606   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
500   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.9281   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
501   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0184   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
502   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2619   XXXXXX   5.9591   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
155   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6079.75   XXXXXX   6.222   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
158   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.0392   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
166   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3962.94   XXXXXX   6.4884   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
339   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2686.24   XXXXXX   5.6474   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
168   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9990.86   XXXXXX   6.1357   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
170   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9708   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
172   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4665.66   XXXXXX   6.5237   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
506   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1261.31   XXXXXX   6.012   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
176   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1461.8   XXXXXX   5.8661   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
177   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1305   XXXXXX   5.8513   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
178   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2644   XXXXXX   6.1595   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
179   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4003.51   XXXXXX   6.5539   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
181   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
183   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6618.32   XXXXXX   5.9081   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
342   XXXXXX   ATR/QM: Status Pending   No   XXXXXX   XXXXXX   Yes   No   1574   XXXXXX   5.9117   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
508   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1415   XXXXXX   5.6821   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
186   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2739   XXXXXX   6.0248   Employed   Unemployed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
509   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7030.75   XXXXXX   6.3447   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
189   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2789   XXXXXX   6.0214   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
190   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   517.12   XXXXXX   6.1596   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
191   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.4039   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
512   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5293   XXXXXX   5.8903   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
354   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7020.92   XXXXXX   5.8294   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
515   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.6081   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
518   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5093.1   XXXXXX   5.7468   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
351   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   6.1772   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
519   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2739   XXXXXX   5.654   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
356   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8246.84   XXXXXX   5.7307   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
193   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9310   XXXXXX   6.4194   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
194   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8371.85   XXXXXX   6.2454   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
569   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10795.2   XXXXXX   7.0629   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
196   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2097   XXXXXX   6.4895   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
197   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1815   XXXXXX   6.5263   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
199   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1985   XXXXXX   6.033   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
205   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1945   XXXXXX   6.5196   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
206   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1750   XXXXXX   6.6484   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
207   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1195   XXXXXX   7.6945   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
208   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5810   XXXXXX   6.5045   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
209   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10115   XXXXXX   6.3832   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
211   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7457.98   XXXXXX   6.7651   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
568   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   7.0588   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
214   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.4793   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
217   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6196.6   XXXXXX   5.8624   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
219   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1395   XXXXXX   6.0609   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
220   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   5.9098   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
221   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   300   XXXXXX   6.0229   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
222   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6524   XXXXXX   5.9865   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
224   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1295   XXXXXX   6.1731   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
229   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   5.8749   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
230   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   5.854   Employed   Retired   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
235   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2340   XXXXXX   6.459   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
238   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1800   XXXXXX   6.4997   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
521   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1035   XXXXXX   6.0286   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
240   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1745   XXXXXX   5.9375   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
399   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   4.9861   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
249   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7410   XXXXXX   6.6622   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
250   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1100   XXXXXX   7.1426   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
251   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1795   XXXXXX   6.2401   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
404   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2485.3   XXXXXX   6.9369   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
253   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.124   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
254   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1245   XXXXXX   6.1477   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
257   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2145   XXXXXX   6.431   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
258   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   983.38   XXXXXX   5.5535   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
523   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   7.2969   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
260   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   995   XXXXXX   6.1414   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
263   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   6.6617   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
264   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   7.149   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
265   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6697.55   XXXXXX   6.4411   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
267   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2160   XXXXXX   5.9364   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
268   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2065.92   XXXXXX   5.8997   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
526   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2395   XXXXXX   6.5365   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
567   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1418   XXXXXX   6.1853   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
409   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6395   XXXXXX   5.9796   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
272   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6277.52   XXXXXX   6.1351   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
274   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1400   XXXXXX   5.9027   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
275   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1805   XXXXXX   6.7654   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
278   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4792.53   XXXXXX   6.0148   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
394   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.2362   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
279   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7748.53   XXXXXX   5.9803   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
280   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   13640.76   XXXXXX   6.2235   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
281   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3148.67   XXXXXX   6.1905   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
284   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9798.62   XXXXXX   6.204   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
287   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2809.84   XXXXXX   5.943   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
532   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.7962   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
289   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.8762   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
291   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5107.44   XXXXXX   6.3577   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
407   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2440   XXXXXX   6.4377   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
292   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3988.18   XXXXXX   7.5812   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
533   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   6.1927   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
294   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2498.68   XXXXXX   6.0677   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
295   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   16240.96   XXXXXX   7.1377   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
296   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   850   XXXXXX   6.0084   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
534   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3528.95   XXXXXX   6.0451   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
297   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2940   XXXXXX   6.3681   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
298   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   595   XXXXXX   6.5008   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
536   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   18804   XXXXXX   7.3966   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
299   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9567.1   XXXXXX   6.0986   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
300   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2445   XXXXXX   6.6606   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
301   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1650   XXXXXX   5.9293   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
302   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   20359   XXXXXX   6.7613   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
303   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11185   XXXXXX   6.0425   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
542   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3670   XXXXXX   6.8022   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
309   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6900   XXXXXX   6.0947   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
390   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9838   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
545   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2775.65   XXXXXX   6.0896   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
311   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1895   XXXXXX   6.0166   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
317   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1476   XXXXXX   5.9429   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
318   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1395   XXXXXX   7.4169   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
547   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6045   XXXXXX   6.5077   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
548   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   5.9021   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
323   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8533.08   XXXXXX   6.0342   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
551   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1000   XXXXXX   6.2017   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
327   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9885   XXXXXX   6.8924   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
555   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.3465   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
380   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1845   XXXXXX   5.8947   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   Yes   0
561   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   17486.11   XXXXXX   5.9157   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
562   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1845   XXXXXX   6.0669   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
408   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2601.25   XXXXXX   6.0557   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
563   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1458.36   XXXXXX   6.4239   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
564   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1598   XXXXXX   5.9068   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
411   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1845   XXXXXX   6.1489   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
566   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   55.31   XXXXXX   6.6342   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
365   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9969   XXXXXX   5.9708   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
378   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1495   XXXXXX   6.0235   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
367   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2763.43   XXXXXX   6.5427   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
414   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   9325   XXXXXX   5.5471   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
395   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1580   XXXXXX   6.1513   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
393   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3241.18   XXXXXX   6.174   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
417   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.6273   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
392   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7510   XXXXXX   6.6492   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0

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