Exhibit 99.3 Schedule 4

 

Rating Agency ATR QM Data Fields                              
                                 
Loans in Report:  33                              
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
12 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.0074 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
24 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.2331 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
28 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.6553 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
29 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.3286 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
31 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 9.3999 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
33 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 8.5268 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
34 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 8.7097 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
35 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 7.4697 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
43 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.4179 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
60 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.9038 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
63 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 8.1173 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
77 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 3321 5/13/2026 7.8698 Employed (No Data) Non-Permanent Resident Alien (No Data) (No Data) No 0
78 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 6.8318 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
83 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.4584 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
85 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 7.0765 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
89 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 5010 5/15/2026 7.0305 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
91 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.1489 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
92 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.6662 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
93 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.7278 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0
96 XX QM: Safe Harbor (APOR) No XX XX Yes Yes 16945 4/13/2026 6.2206 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0
100 XX ATR/QM: Exempt No XX XX Yes No 0 1/1/1900 6.4012 Retired Retired U.S. Citizen U.S. Citizen (No Data) (No Data) 0
103 XX Non-QM: Lender documented all ATR UW factors No XX XX No No 22670 5/22/2026 6.9075 Employed Employed U.S. Citizen U.S. Citizen (No Data) Yes 24079.94
105 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 5530.71 5/26/2026 7.7348 Unemployed Employed U.S. Citizen U.S. Citizen (No Data) No 0
110 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 6.9877 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
113 XX QM: Safe Harbor (APOR) No XX XX No Yes 17473.75 5/29/2026 7.2192 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0
114 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 6.7323 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
117 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.2049 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
126 XX ATR/QM: Exempt No XX XX No No 0 1/1/1900 7.3683 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
127 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 8.4173 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
130 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 6.8982 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0
132 XX ATR/QM: Exempt No XX Not Applicable No No 0 1/1/1900 7.6635 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0
133 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 1895 6/10/2026 7.5238 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0
136 XX QM: Safe Harbor (APOR) No XX Not Applicable No Yes 1750 5/7/2026 6.7324 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0
 


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