EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:    PennyMac
Start - End Dates:    PNMAC PMTLT 2026-CNF5_J16910
Rating Agency ATR QM Data Fields
Loans in Report:    259

 

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
232   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   12572.75   XXXXXX   6.0026   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
242   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7259   XXXXXX   5.9986   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
303   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12338   XXXXXX   6.0035   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
304   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6670.29   XXXXXX   6.0154   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
272   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.499   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
270   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7515.31   XXXXXX   6.6106   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
359   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   15503.65   XXXXXX   6.3221   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
407   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7489.52   XXXXXX   5.9933   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
114   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7853   XXXXXX   6.1813   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
165   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5474   XXXXXX   5.9339   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
399   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7920.8   XXXXXX   6.0065   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
400   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9645.5   XXXXXX   6.2474   Retired   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
519   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3902.26   XXXXXX   6.105   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
518   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7064   XXXXXX   6.1046   Employed   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
401   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7534   XXXXXX   6.1368   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
9   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5331.5   XXXXXX   5.5706   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
149   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5377.57   XXXXXX   5.9914   Retired   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
403   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.105   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
405   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12128   XXXXXX   6.164   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
105   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9114   XXXXXX   6.5726   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
516   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8828   XXXXXX   6.4522   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
128   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2551.11   XXXXXX   6.0408   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
10   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11154   XXXXXX   6.3175   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
60   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3100.5   XXXXXX   5.8282   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
41   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9083.62   XXXXXX   6.2418   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
150   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9163   XXXXXX   6.2741   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
20   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9141.79   XXXXXX   5.7814   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
298   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1340.4   XXXXXX   5.904   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
395   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1014   XXXXXX   6.174   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
109   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4951.4   XXXXXX   5.8798   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
509   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2579.29   XXXXXX   6.5266   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
163   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1400   XXXXXX   6.1552   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
299   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   605   XXXXXX   6.1265   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
589   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1330   XXXXXX   6.443   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
412   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3315   XXXXXX   5.9496   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
5   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   6.1809   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
231   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3705.66   XXXXXX   6.1558   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
91   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.6574   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
245   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1170.64   XXXXXX   5.9456   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
227   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3836.1   XXXXXX   6.027   Retired   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
229   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2797.15   XXXXXX   6.1609   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
410   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   650   XXXXXX   5.9847   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
69   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3876.15   XXXXXX   6.158   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
240   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3793.6   XXXXXX   5.8673   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
75   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.0151   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
50   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1537.5   XXXXXX   5.9055   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
559   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   5.5261   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
499   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.8517   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
361   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3284   XXXXXX   5.9099   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
92   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2394   XXXXXX   5.6594   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
363   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1569   XXXXXX   5.9244   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
223   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   9488.07   XXXXXX   6.0154   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
365   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2100   XXXXXX   5.9164   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
71   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.0004   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
580   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   396.35   XXXXXX   6.1607   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
372   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2750.36   XXXXXX   5.9183   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
278   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2549   XXXXXX   5.8079   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
507   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.055   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
276   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3102.06   XXXXXX   5.7799   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
277   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.8572   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
373   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   5.8645   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
385   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2864   XXXXXX   6.0339   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
279   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   6.0802   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
138   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   6.0559   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
368   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7636.86   XXXXXX   6.0338   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
121   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3514.41   XXXXXX   6.0976   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
369   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3244   XXXXXX   6.0717   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
140   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6775.92   XXXXXX   6.9965   Employed   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
537   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.8263   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
513   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9819   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
538   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2059   XXXXXX   5.6862   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
581   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6518.6   XXXXXX   6.2755   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
141   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5215.82   XXXXXX   6.3532   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
388   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.9931   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
104   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2639   XXXXXX   6.5303   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
389   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5964.88   XXXXXX   6.0895   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
61   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.6623   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
390   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1672.2   XXXXXX   6.0286   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
572   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6045.98   XXXXXX   5.6927   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
573   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7299.44   XXXXXX   5.7023   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
500   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3755.36   XXXXXX   6.603   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
374   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2376.21   XXXXXX   5.9025   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
375   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2024   XXXXXX   6.0169   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
44   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2962.76   XXXXXX   5.9415   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
72   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1474.22   XXXXXX   5.9186   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
377   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2134   XXXXXX   6.0319   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
382   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   20.44   XXXXXX   5.9056   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
292   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4191.45   XXXXXX   5.9576   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
520   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2109.68   XXXXXX   6.1954   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
130   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5570.08   XXXXXX   5.8594   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
534   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6612.5   XXXXXX   5.5745   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
567   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2739   XXXXXX   5.6609   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
568   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6170.14   XXXXXX   5.5593   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
522   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2641.37   XXXXXX   6.3229   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
29   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8529.11   XXXXXX   6.3779   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
570   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4902   XXXXXX   5.7512   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
343   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2876.66   XXXXXX   5.8064   Retired   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
344   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7755.18   XXXXXX   6.059   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
478   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2760   XXXXXX   6.1461   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
341   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7290.15   XXXXXX   6.2675   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   No   0   Complete
80   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10837.12   XXXXXX   5.8981   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
480   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6444.16   XXXXXX   5.9811   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
345   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2739   XXXXXX   5.91   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
477   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7296.03   XXXXXX   5.9603   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
543   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1574   XXXXXX   5.8161   Employed   Employed   Permanent Resident Alien   U.S. Citizen   No   0   Complete
588   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5127.2   XXXXXX   6.653   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
342   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2639   XXXXXX   6.0164   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
481   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6807.58   XXXXXX   6.1127   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
531   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6478.8   XXXXXX   6.2935   Unemployed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
76   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2519.1   XXXXXX   5.8162   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
337   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2885   XXXXXX   5.7805   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
340   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8175.54   XXXXXX   5.974   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
89   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2619   XXXXXX   5.6724   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
552   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2619   XXXXXX   5.7464   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
487   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.8715   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
339   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   199.32   XXXXXX   5.9154   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
134   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.7293   Retired   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
544   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8661.56   XXXXXX   5.8472   Unemployed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
26   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1574   XXXXXX   5.6675   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
129   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3162.55   XXXXXX   5.9562   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
2   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8094.53   XXXXXX   5.3854   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
28   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.6328   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
146   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3750.29   XXXXXX   5.742   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
38   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2685   XXXXXX   5.7038   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
87   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7555.83   XXXXXX   5.8829   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
1   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4205.68   XXXXXX   6.1077   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
147   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4442.98   XXXXXX   5.9155   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
115   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3108   XXXXXX   5.9589   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
22   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6650.67   XXXXXX   5.6487   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
220   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1200   XXXXXX   6.5134   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
247   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2050   XXXXXX   6.4117   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
248   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2123   XXXXXX   6.6654   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
469   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1350   XXXXXX   6.0685   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
21   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   975   XXXXXX   5.776   Unemployed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
336   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1500   XXXXXX   6.0315   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
556   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   32167.5   XXXXXX   5.668   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
472   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2030.85   XXXXXX   6.1377   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
4   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2727.5   XXXXXX   6.1907   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
55   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1366   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
474   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   6.1606   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
475   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   75   XXXXXX   6.1353   Retired   Employed   U.S. Citizen   U.S. Citizen   Yes   10688.5   Complete
177   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1599   XXXXXX   6.1649   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
236   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   700   XXXXXX   6.1388   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
324   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   600   XXXXXX   5.7858   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
547   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11295   XXXXXX   6.7576   Employed   Employed   Permanent Resident Alien   U.S. Citizen   No   0   Complete
323   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3334   XXXXXX   6.0694   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
449   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9300   XXXXXX   5.8843   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
37   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3934.11   XXXXXX   5.6833   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
590   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1347   XXXXXX   6.4089   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
142   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1645   XXXXXX   6.5949   Employed   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
451   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8170   XXXXXX   6.2994   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
506   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3204   XXXXXX   6.0223   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
183   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1450   XXXXXX   6.0142   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
321   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1495   XXXXXX   5.9484   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
65   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1355   XXXXXX   5.9059   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
515   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1695   XXXXXX   7.0833   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   No   0   Complete
325   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4100   XXXXXX   6.0285   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
455   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11551.76   XXXXXX   6.3745   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
348   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3381.48   XXXXXX   6.6751   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
452   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3048   XXXXXX   6.175   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
173   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1350   XXXXXX   6.5305   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
454   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1246   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
106   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.9957   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
326   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1985   XXXXXX   5.9068   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
350   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.375   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
456   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   899   XXXXXX   5.9465   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
498   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5285   XXXXXX   5.882   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
57   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   6.0357   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
332   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1700   XXXXXX   6.1392   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
125   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9130   XXXXXX   5.9606   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
458   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2045   XXXXXX   5.9234   Unemployed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
205   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3436.25   XXXXXX   5.7735   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
254   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.3749   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
79   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   140   XXXXXX   5.8835   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
217   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1640   XXXXXX   5.6683   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
461   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1500   XXXXXX   6.0699   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
490   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10341.13   XXXXXX   6.618   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
86   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1900   XXXXXX   6.1972   Retired   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
190   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1195   XXXXXX   6.0183   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
159   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2550   XXXXXX   6.8406   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
174   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6245   XXXXXX   6.7079   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
462   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1195   XXXXXX   6.1561   Unemployed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
157   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1085.1   XXXXXX   6.1996   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
334   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1394   XXXXXX   6.1685   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
251   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1295   XXXXXX   6.2796   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
465   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1850   XXXXXX   6.1964   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
53   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1620   XXXXXX   6.1627   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
463   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6899.72   XXXXXX   6.2782   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
252   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1745   XXXXXX   6.6329   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   No   0   Complete
548   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7160   XXXXXX   6.6623   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
468   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4975   XXXXXX   6.2282   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
117   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1985   XXXXXX   6.1643   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
467   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9063.88   XXXXXX   6.0293   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
199   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6114   XXXXXX   6.8015   Retired   Retired   U.S. Citizen   U.S. Citizen   Yes   10354.74   Complete
333   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7590.04   XXXXXX   6.2538   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
180   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1820   XXXXXX   6.0353   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
317   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6789.34   XXXXXX   5.8557   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
45   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1195.01   XXXXXX   5.9823   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
445   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1053.1   XXXXXX   6.175   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
318   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.734   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
448   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4670   XXXXXX   6.2015   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
305   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2000   XXXXXX   6.3156   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
212   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1895   XXXXXX   6.0455   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
213   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3970.12   XXXXXX   6.2239   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
143   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7630   XXXXXX   7.1701   Employed   Unemployed   U.S. Citizen   (No Data)   No   0   Complete
120   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1038.5   XXXXXX   5.9005   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
501   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11008.5   XXXXXX   6.556   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
67   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7945   XXXXXX   5.8561   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
49   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.0239   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
524   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3495   XXXXXX   6.6268   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
259   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9510.7   XXXXXX   6.537   Employed   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
260   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5472.29   XXXXXX   6.418   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
528   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1658   XXXXXX   6.0427   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
262   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2974.41   XXXXXX   6.574   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
354   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3550.8   XXXXXX   6.4137   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
264   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1748   XXXXXX   6.5035   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
440   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3674.55   XXXXXX   5.9813   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
353   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   12568   XXXXXX   6.5293   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
438   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   50   XXXXXX   6.1563   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
441   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1716   XXXXXX   6.2018   Employed   Employed   U.S. Citizen   Permanent Resident Alien   No   0   Complete
200   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   5.7471   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
488   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1650   XXXXXX   6.1709   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
310   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1910   XXXXXX   6.1889   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
189   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   5108.2   XXXXXX   6.0918   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
311   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1295   XXXXXX   6.1727   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
312   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   18733.87   XXXXXX   6.1357   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
35   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   899   XXXXXX   6.1801   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete

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		   Residual
Income
Analysis
in File		   ATR/
QM
Residual
Income		   Loan
Status
123   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   18475   XXXXXX   6.209   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
432   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1990   XXXXXX   6.1565   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
203   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2107.56   XXXXXX   6.1768   Retired   Retired   U.S. Citizen   U.S. Citizen   No   0   Complete
188   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1695   XXXXXX   6.1623   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
428   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2968.13   XXXXXX   6.2554   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
133   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   125   XXXXXX   5.2935   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
84   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3415   XXXXXX   6.1862   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
88   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7295   XXXXXX   5.6823   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1383   XXXXXX   6.5297   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
204   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1650   XXXXXX   6.2203   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
187   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1050   XXXXXX   6.16   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
426   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   14763.67   XXXXXX   6.0676   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
119   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1401   Retired   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
427   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1385.75   XXXXXX   6.1659   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
421   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1300   XXXXXX   6.1615   Retired   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
585   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3120   XXXXXX   6.58   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
268   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1758   XXXXXX   6.4831   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
99   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   14000   XXXXXX   6.5148   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
307   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1675   XXXXXX   6.1818   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
417   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1690   XXXXXX   6.1527   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
58   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3741   XXXXXX   5.5135   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
422   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   7280.68   XXXXXX   5.9966   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
423   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13596.6   XXXXXX   6.2871   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
52   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   495   XXXXXX   5.8998   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
358   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6676   XXXXXX   6.3359   Employed   (No Data)   Permanent Resident Alien   (No Data)   No   0   Complete
98   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.4673   Employed   (No Data)   U.S. Citizen   (No Data)   No   0   Complete
171   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3310   XXXXXX   6.4412   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
357   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1890   XXXXXX   6.3323   Unemployed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
116   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2175   XXXXXX   6.1759   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete
42   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   10388.05   XXXXXX   6.4683   Employed   Employed   U.S. Citizen   Permanent Resident Alien   No   0   Complete
593   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1790   XXXXXX   6.5365   Employed   Unemployed   U.S. Citizen   U.S. Citizen   No   0   Complete
32   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1745   XXXXXX   6.7513   Employed   Employed   U.S. Citizen   U.S. Citizen   No   0   Complete