EXHIBIT 99.8

CLAYTON POOL 2 RATING AGENCY ATR QM DATA FIELDS

 

Client Name:    PennyMac
Client Project Name:    PNMAC Test Jumbo Review 2026.06_J17220
Rating Agency ATR QM Data Fields
Loans in Report:    59

 

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
52   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1199   XXXXXX   6.1426   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
81   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1745   XXXXXX   6.3976   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
86   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1599   XXXXXX   6.4364   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
87   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15153.41   XXXXXX   6.6637   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
88   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1599   XXXXXX   6.2638   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
90   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   9970   XXXXXX   6.305   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
101   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.2061   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   5.9015   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
106   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.3548   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
109   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   24928.4   XXXXXX   6.8277   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
111   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1790   XXXXXX   6.3988   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
115   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7035   XXXXXX   6.8331   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
117   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   18735   XXXXXX   6.6797   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
118   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1950   XXXXXX   6.5496   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
119   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4635.72   XXXXXX   6.2976   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
120   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   31012.6   XXXXXX   6.5664   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
121   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1695   XXXXXX   6.3936   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
124   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1850   XXXXXX   6.3123   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
126   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   200   XXXXXX   6.2777   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
130   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1699   XXXXXX   6.0146   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
135   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13750   XXXXXX   6.2286   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
143   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1570   XXXXXX   6.4129   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
144   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   16445   XXXXXX   6.3718   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
145   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1535   XXXXXX   6.7611   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
148   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1895   XXXXXX   6.4988   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
149   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1945   XXXXXX   6.2954   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
150   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1670   XXXXXX   6.5321   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
152   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   46790.2   XXXXXX   5.8497   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
153   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1530   XXXXXX   6.6435   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
158   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   25163.22   XXXXXX   5.713   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

Deal
ID 		   Loan
Number		   Loan Level
ATR/QM
Status		   Application
Date Prior
to  1/10/2014		   Lender
Application
Date		   Broker
Application
Date		   GSE
Eligible		   QRM
Flag		   ATR/QM
Total
Points
and  Fees		   Rate
Lock
Date		   APR   Bwr 1
Employment
Indicator		   Bwr 2
Employment
Indicator		   Bwr 1
Foreign National
Indicator		   Bwr 2  Foreign
National
Indicator		   Borrowers
Qualified
Through a
Non-Resident
Alien
Program		   Residual
Income
Analysis  in
File		   ATR/
QM
Residual
Income
159   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   7286.5   XXXXXX   6.3048   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
160   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   19075   XXXXXX   6.5227   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
163   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1945   XXXXXX   6.5449   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
164   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13260   XXXXXX   6.0474   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
165   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.4485   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
167   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13430   XXXXXX   6.3883   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
168   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   6.0496   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
169   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   6754.2   XXXXXX   6.5897   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
170   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   13529.26   XXXXXX   6.6048   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
171   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1650   XXXXXX   6.6435   Employed   Employed   Permanent Resident Alien   Permanent Resident Alien   (No Data)   No   0
172   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1945   XXXXXX   6.5573   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
173   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   915   XXXXXX   6.3844   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
174   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.7518   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
177   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   7.1054   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
180   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1695   XXXXXX   7.2677   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
181   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   6.8828   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
187   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   850   XXXXXX   6.391   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
188   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1295   XXXXXX   6.3887   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
193   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   6.2322   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
196   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   4767.06   XXXXXX   6.0528   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
199   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   2153   XXXXXX   6.4548   Employed   Retired   U.S. Citizen   U.S. Citizen   (No Data)   No   0
203   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   14640   XXXXXX   6.2839   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
204   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   17000   XXXXXX   6.6434   Unemployed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
208   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1535   XXXXXX   6.2691   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
209   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   0   XXXXXX   6.1108   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
211   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1195   XXXXXX   6.0224   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
212   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   3380   XXXXXX   6.7934   Employed   Unemployed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
214   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   15142.66   XXXXXX   6.9894   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
218   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   830   XXXXXX   6.108   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0

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