EXHIBIT 99.3

CLAYTON POOL 1 RATING AGENCY ATR QM DATA FIELDS

 

Client Name:    PennyMac
Client Project Name:    PNMAC PMTLT 2026-J5 J17174
Rating Agency ATR QM Data Fields
Loans in Report:    132

 

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
55   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   510   XXXXXX   6.259   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
59   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3760   XXXXXX   6.153   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
60   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.122   Employed   Unemployed   Permanent Resident Alien   U.S. Citizen   (No Data)   No   0
62   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2017.6   XXXXXX   7.014   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
263   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.177   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   Yes   20055
65   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1704   XXXXXX   5.011   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
66   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1000   XXXXXX   5.588   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
68   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15944.12   XXXXXX   6.548   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
70   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.128   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
71   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   795   XXXXXX   6.274   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
72   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1870   XXXXXX   6.318   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
250   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3962.25   XXXXXX   6.162   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
73   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   26448.68   XXXXXX   6.122   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
74   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2990   XXXXXX   6.405   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
75   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1699   XXXXXX   6.307   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
76   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   8844   XXXXXX   6.671   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
78   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1399   XXXXXX   0   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
79   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1245   XXXXXX   6.637   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
256   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   9670   XXXXXX   6.378   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
80   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1795   XXXXXX   6.426   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
249   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1495   XXXXXX   6.395   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
82   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   26622   XXXXXX   6.086   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
83   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1880   XXXXXX   6.282   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
84   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1995   XXXXXX   6.497   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
89   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3840.89   XXXXXX   6.278   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
91   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   36106.44   XXXXXX   5.958   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
92   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   395   XXXXXX   6.383   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
93   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2190   XXXXXX   5.734   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
253   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   282.98   XXXXXX   6.608   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
94   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1235   XXXXXX   6.077   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
257   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2000   XXXXXX   6.532   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
95   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   26909   XXXXXX   6.519   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
96   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.25   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
97   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2999   XXXXXX   6.148   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
98   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1775.6   XXXXXX   6.383   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
99   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2790   XXXXXX   6.403   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
259   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1352.7   XXXXXX   6.37   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
100   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   883.5   XXXXXX   6.097   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
261   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1945   XXXXXX   6.393   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
102   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4622.6   XXXXXX   6.545   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
104   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   6.646   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
105   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1570   XXXXXX   6.796   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
266   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   10495   XXXXXX   6.388   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
107   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1016.38   XXXXXX   6.37   Employed   (No Data)   Non-Permanent Resident Alien   (No Data)   (No Data)   No   0
262   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2425   XXXXXX   5.897   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
267   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1450   XXXXXX   6.257   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
110   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1690   XXXXXX   6.139   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
112   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11199   XXXXXX   6.366   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
113   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2020   XXXXXX   6.683   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
260   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13917   XXXXXX   6.291   Employed   Employed   Permanent Resident Alien   U.S. Citizen   (No Data)   No   0
114   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1710   XXXXXX   6.557   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
122   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2995   XXXXXX   6.664   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
123   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   20750   XXXXXX   6.228   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
251   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13295   XXXXXX   6.609   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
125   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1095   XXXXXX   6.517   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
127   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1295   XXXXXX   5.777   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
128   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15441.8   XXXXXX   6.746   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   Yes   0
131   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1576   XXXXXX   6.347   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
133   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   900   XXXXXX   5.78   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
134   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.28   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
136   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   22389.2   XXXXXX   6.542   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
137   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   825   XXXXXX   6.63   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
138   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1275   XXXXXX   6.256   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
139   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   16016.6   XXXXXX   6.411   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
140   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   955   XXXXXX   6.883   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
141   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1195   XXXXXX   6.137   Employed   Employed   U.S. Citizen   Non-Permanent Resident Alien   (No Data)   No   0
142   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   10495   XXXXXX   5.896   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
146   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   569   XXXXXX   6.505   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
147   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   865   XXXXXX   6.384   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
254   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5611.61   XXXXXX   6.169   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
252   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1535   XXXXXX   6.517   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
151   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.511   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
154   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   19405.75   XXXXXX   6.401   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
155   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1350   XXXXXX   6.64   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
156   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   18572.4   XXXXXX   6.75   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
157   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   787   XXXXXX   5.957   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
161   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.905   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
162   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1695   XXXXXX   6.77   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
265   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1780   XXXXXX   6.291   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
255   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1535   XXXXXX   6.505   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
175   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.865   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
176   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1255   XXXXXX   6.896   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
179   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   17100   XXXXXX   6.266   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
258   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1250   XXXXXX   7.137   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
184   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   12153   XXXXXX   7.02   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
185   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   35741.68   XXXXXX   6.984   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
186   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1720   XXXXXX   6.53   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
189   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1389   XXXXXX   6.544   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
190   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1645   XXXXXX   6.378   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
191   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   710   XXXXXX   6.88   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
192   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1375   XXXXXX   6.908   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
194   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2105   XXXXXX   6.956   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
197   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1498   XXXXXX   6.548   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
198   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.64   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
200   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1620   XXXXXX   6.236   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
201   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6487.5   XXXXXX   6.61   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
205   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1072   XXXXXX   6.915   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
206   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2240   XXXXXX   6.635   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
207   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1595   XXXXXX   6.902   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
210   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   8565.4   XXXXXX   6.705   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
213   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1755   XXXXXX   6.425   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   No   0
215   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1895   XXXXXX   6.455   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
216   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1330   XXXXXX   6.407   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
264   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   18496.77   XXXXXX   6.618   Employed   Employed   Permanent Resident Alien   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
219   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1630   XXXXXX   6.274   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
220   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1790   XXXXXX   6.288   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
221   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1303   XXXXXX   6.72   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
222   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1099   XXXXXX   6.639   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
223   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.737   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
224   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   12396.3   XXXXXX   7.312   Retired   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
225   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1620   XXXXXX   6.364   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
226   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   19093.86   XXXXXX   6.542   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
227   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   11620.62   XXXXXX   6.629   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
228   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7617   XXXXXX   6.009   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
229   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1645   XXXXXX   6.645   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
230   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1490   XXXXXX   6.487   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   Yes   0
231   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   16498.93   XXXXXX   6.92   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
232   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2260   XXXXXX   6.564   Retired   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
234   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   5035.3   XXXXXX   6.923   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
235   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.504   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
236   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6971   XXXXXX   6.668   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
237   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1564   XXXXXX   6.904   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
238   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   28658.6   XXXXXX   6.249   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
239   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2526   XXXXXX   6.543   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
240   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1497   XXXXXX   6.519   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
241   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1670   XXXXXX   6.409   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
242   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1395   XXXXXX   6.64   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
243   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1620   XXXXXX   6.529   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
244   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1799   XXXXXX   6.898   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
245   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1450   XXXXXX   6.634   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
246   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   9042.72   XXXXXX   6.952   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
247   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13577   XXXXXX   6.805   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

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