Exhibit 99.3 Schedule 4

 

Rating Agency ATR QM Data Fields                                
                                   
Loans in Report:  68                                
Marketing 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 Borrower 1 Citizenship Borrower 2 Citizenship Borrowers Qualified Through a Non-Resident Alien Program Residual Income Analysis in File ATR/QM Residual Income Full Diligence ID
1 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 0 7/17/2025 6.668 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0 XX
2 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.99 Retired Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
3 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.75 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
4 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1768.5 8/8/2025 7.071 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
5 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
6 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 5.224 Unemployed Employed Permanent Resident Alien Permanent Resident Alien (No Data) (No Data) 0 XX
7 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
8 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1140 7/23/2025 6.9329 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0 XX
9 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1499 7/22/2025 7.0767 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
10 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 7.3209 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
11 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 2410.23 7/31/2025 7.4979 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
13 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 300 10/13/2025 6.9968 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0 XX
14 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1490 10/23/2025 6.1594 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
15 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
16 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.875 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
17 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.99 Employed Employed Permanent Resident Alien Permanent Resident Alien (No Data) (No Data) 0 XX
18 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.9901 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
19 XX QM: Safe Harbor (APOR) No XX 10/06/2025 No Yes 12285 10/2/2025 6.4177 Employed Retired U.S. Citizen U.S. Citizen (No Data) No 0 XX
20 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 8091 6/2/2025 8.1716 Retired Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
20 XX QM: Safe Harbor (APOR) No XX 10/17/2025 Yes Yes 13750 10/14/2025 6.1484 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
21 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1645 11/14/2025 6.6509 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0 XX
22 XX ATR/QM: Exempt No XX 11/12/2025 Yes No 0 1/1/1900 6.5 Retired Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
23 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 4.99 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
24 XX QM: Rebuttable Presumption (APOR) No XX Not Applicable Yes Yes 1195 11/19/2025 8.0222 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
25 XX QM: Safe Harbor (APOR) No XX 10/21/2025 Yes Yes 5644 10/27/2025 5.594 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
26 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 0 11/18/2025 7.375 Retired Retired U.S. Citizen U.S. Citizen (No Data) No 0 XX
27 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 1135 11/18/2025 6.655 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
29 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 6720 12/2/2025 7.1098 Retired (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
61 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 7.0366 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
77 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 6.6758 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
79 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.9107 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
87 XX ATR/QM: Exempt No XX 03/04/2062 No No 0 1/1/1900 6.3963 Employed (No Data) Permanent Resident Alien (No Data) (No Data) (No Data) 0 XX
97 XX ATR/QM: Exempt No XX 02/24/2026 No No 0 1/1/1900 6.4748 Employed Employed U.S. Citizen Permanent Resident Alien (No Data) (No Data) 0 XX
104 XX ATR/QM: Exempt No XX 03/25/2026 No No 0 1/1/1900 6.9898 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
106 XX Non-QM: Lender documented all ATR UW factors No XX Not Applicable No No 14111.8 3/16/2026 6.3719 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
114 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.7806 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
124 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.9884 Retired (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
128 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 13230 3/25/2026 6.8263 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
141 XX Non-QM: Lender documented all ATR UW factors No XX Not Applicable No No 10634.85 3/31/2026 9.5519 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0 XX
148 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.7381 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
151 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 0 4/3/2026 7 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0 XX
153 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 5630 3/6/2026 6.9025 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
157 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 5588 4/9/2026 6.6171 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
161 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 6.9574 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
165 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.6531 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
217 XX ATR/QM: Exempt No XX 07/09/2025 Yes No 0 1/1/1900 6.875 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
256 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
265 XX ATR/QM: Exempt No XX 07/16/2025 Yes No 0 1/1/1900 7.375 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
313 XX ATR/QM: Exempt No XX 06/09/2022 No No 16500 1/1/1900 6.875 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0 XX
318 XX Non-QM: Lender documented all ATR UW factors No XX Not Applicable No No 24440 5/11/2022 6.9834 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 7976.01 XX
324 XX ATR/QM: Exempt No XX 07/21/2025 No No 0 1/1/1900 7.7501 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
339 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.875 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
344 XX Non-QM: Lender documented all ATR UW factors No XX 06/08/2022 No No 9660 6/17/2022 6.5414 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 41230.33 XX
353 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.99 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
371 XX QM: Rebuttable Presumption (APOR) No XX 07/28/2025 Yes Yes 4806 7/28/2025 8.4166 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
378 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 8859 7/10/2025 8.1564 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
391 XX QM: Rebuttable Presumption (APOR) No XX 07/07/2025 Yes Yes 16706.25 7/7/2025 8.6937 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
405 XX QM: Safe Harbor (APOR) No XX Not Applicable Yes Yes 3127.5 6/17/2025 7.6689 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
406 XX ATR/QM: Exempt No XX 07/09/2025 Yes No 0 1/1/1900 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
452 XX QM: Safe Harbor (APOR) No XX 08/11/2025 Yes Yes 7249 8/11/2025 6.9533 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
454 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 7.375 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
473 XX ATR/QM: Exempt No XX 07/09/2025 Yes No 0 1/1/1900 7.5 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
485 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 7.7501 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
558 XX QM: Safe Harbor (APOR) No XX 06/17/2025 No Yes 8357.75 7/11/2025 6.8399 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
565 XX ATR/QM: Exempt No XX 07/08/2025 Yes No 0 1/1/1900 6.99 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
581 XX ATR/QM: Exempt No XX 08/06/2025 Yes No 0 1/1/1900 7.375 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
626 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 6.875 Retired (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
654 XX ATR/QM: Exempt No XX Not Applicable Yes No 0 1/1/1900 7.375 Retired Retired U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
 


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