EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:    PennyMac
Client Project Name:    PNMAC PMTLT 2026-J4_J17056
Rating Agency ATR QM Data Fields
Loans in Report:    102

 

Deal ID    Loan
Number		   Loan Level
ATR/QM
Status		   Application
Date Prior
to 1/10/2014		   Lender
Application
Date		   Broker
Application
Date		   GSE
Eligible		   QRM
Flag		   ATR/QM
Total
Points
and
Fees		   Rate
Lock
Date		   APR   Bwr 1
Employment
Indicator		   Bwr 2
Employment
Indicator		   Bwr 1  Foreign
National
Indicator		   Bwr 2  Foreign
National
Indicator		   Borrowers
Qualified
Through a
Non-Resident
Alien
Program		   Residual
Income
Analysis
in File		   ATR
/QM
Residual
Income
1   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1395   XXXXXX   6.237   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
2   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1995   XXXXXX   6.6387   Unemployed   Unemployed   U.S. Citizen   (No Data)   (No Data)   No   0
3   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   595   XXXXXX   6.0753   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
359   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1395   XXXXXX   7.14   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
4   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   23040   XXXXXX   6.2257   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
5   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1395   XXXXXX   6.5206   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
6   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4879.6   XXXXXX   6.7718   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
7   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2050   XXXXXX   6.4252   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
8   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2190   XXXXXX   6.1795   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
9   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1350   XXXXXX   7.1861   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
10   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   175   XXXXXX   6.5318   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
11   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   12500   XXXXXX   5.2435   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
12   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1100   XXXXXX   5.8894   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
13   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4008   XXXXXX   6.5456   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
14   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.2702   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
15   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1200   XXXXXX   6.1466   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
17   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1570   XXXXXX   6.0479   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
18   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7080   XXXXXX   6.5556   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
20   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3409.99   XXXXXX   6.3821   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
21   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.3794   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
22   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   8520   XXXXXX   6.4175   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
23   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   38281.2   XXXXXX   5.9244   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
24   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3019   XXXXXX   6.4612   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
25   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1395   XXXXXX   5.8986   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
27   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1920   XXXXXX   6.554   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
29   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1900   XXXXXX   6.1264   Unemployed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
30   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1875   XXXXXX   6.5528   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
31   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2269   XXXXXX   6.927   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
33   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1235   XXXXXX   6.892   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
35   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.4001   Employed   Unemployed   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
36   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1870   XXXXXX   6.4408   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
37   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   875   XXXXXX   7.1354   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
38   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   164   XXXXXX   5.9954   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
42   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1450   XXXXXX   6.7731   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
43   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1590   XXXXXX   6.7756   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
45   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1576   XXXXXX   6.6477   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
46   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2150   XXXXXX   6.2802   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
47   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   20119.23   XXXXXX   7.6408   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
48   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.3855   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
49   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4912.6   XXXXXX   6.8047   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
50   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1990   XXXXXX   6.0597   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
51   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   18295   XXXXXX   6.8004   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
52   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   21095   XXXXXX   6.4903   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
53   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2090   XXXXXX   6.2719   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
54   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1735   XXXXXX   6.2848   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
57   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.1633   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
58   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1790   XXXXXX   6.0279   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
59   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.4758   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
60   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1450   XXXXXX   6.517   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
61   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1620   XXXXXX   6.5424   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

Deal ID    Loan
Number		   Loan Level
ATR/QM
Status		   Application
Date Prior
to 1/10/2014		   Lender
Application
Date		   Broker
Application
Date		   GSE
Eligible		   QRM
Flag		   ATR/QM
Total
Points
and
Fees		   Rate
Lock
Date		   APR   Bwr 1
Employment
Indicator		   Bwr 2
Employment
Indicator		   Bwr 1  Foreign
National
Indicator		   Bwr 2  Foreign
National
Indicator		   Borrowers
Qualified
Through a
Non-Resident
Alien
Program		   Residual
Income
Analysis
in File		   ATR
/QM
Residual
Income
62   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1670   XXXXXX   6.4183   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
63   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1390   XXXXXX   6.2741   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
64   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2895   XXXXXX   6.5439   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
65   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1490   XXXXXX   6.5186   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
66   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1805   XXXXXX   6.762   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
67   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   35   XXXXXX   6.2491   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
68   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11262.5   XXXXXX   6.0506   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
69   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1620   XXXXXX   6.4566   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
360   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1625   XXXXXX   6.6495   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
70   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   27277.2   XXXXXX   6.2077   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
71   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4060   XXXXXX   6.5503   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
72   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2040   XXXXXX   6.7804   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
73   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.625   Employed   Employed   U.S. Citizen   Non-Permanent Resident Alien   (No Data)   No   0
74   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1900   XXXXXX   6.772   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
76   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2219   XXXXXX   6.3373   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
77   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   17705.34   XXXXXX   6.6584   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
79   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   19515   XXXXXX   6.8327   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
80   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2145   XXXXXX   6.5226   Retired   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
81   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.5932   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
82   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   229.95   XXXXXX   6.5062   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
83   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1996.3   XXXXXX   6.1384   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
84   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   24280.97   XXXXXX   7.6308   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
85   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2485   XXXXXX   6.614   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
86   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1595   XXXXXX   6.5256   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
87   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1095   XXXXXX   6.7959   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
88   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   24590   XXXXXX   6.5948   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
89   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2020   XXXXXX   6.4289   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
90   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7142.15   XXXXXX   6.5205   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
91   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1690   XXXXXX   5.9115   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
92   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.0824   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
93   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2285   XXXXXX   6.4103   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
94   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1790   XXXXXX   6.2695   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
95   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.0308   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
96   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4398.48   XXXXXX   6.1872   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
98   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   22060.64   XXXXXX   6.152   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
99   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   30   XXXXXX   6.7685   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
100   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7944.48   XXXXXX   6.6628   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   21075   XXXXXX   6.6628   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
102   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1050   XXXXXX   6.5148   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
103   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.25   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
104   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   28557.5   XXXXXX   5.8533   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
106   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1090   XXXXXX   6.5358   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
107   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   875   XXXXXX   6.4032   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
109   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15931.65   XXXXXX   6.5078   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
111   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   6.6406   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
112   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15827.5   XXXXXX   6.252   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
113   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1497   XXXXXX   6.5177   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
114   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15345   XXXXXX   6.856   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
115   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1599   XXXXXX   6.2727   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
116   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2170   XXXXXX   6.6354   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
117   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   2298   XXXXXX   6.7849   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
118   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1450   XXXXXX   6.5161   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

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