EXHIBIT 99.3

CLAYTON RATING AGENCY ATR QM DATA FIELDS

Client Name:    PennyMac
Client Project Name:    PNMAC PMTLT 2026-CNF9 Securitization_J17368
Rating Agency ATR QM Data Fields
Loans in Report:    31

 

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

232   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6860.88   XXXXXX   6.5736   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
72   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9166.63   XXXXXX   7.0749   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
76   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   8748.95   XXXXXX   6.4917   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
20   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1914.2   XXXXXX   6.3514   Employed   Employed   Non-Permanent Resident Alien   Non-Permanent Resident Alien   (No Data)   No   0
24   XXXXXX   Non-QM: Lender documented all ATR UW factors   No   XXXXXX   XXXXXX   Yes   No   9674   XXXXXX   6.6686   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
230   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   6298.21   XXXXXX   6.1346   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
231   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3359   XXXXXX   6.449   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
92   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4997.46   XXXXXX   6.0472   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
39   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3749.6   XXXXXX   6.2396   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
4   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.5533   Employed   Employed   U.S. Citizen   Permanent Resident Alien   (No Data)   No   0
113   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4795   XXXXXX   6.3658   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
116   XXXXXX   ATR/QM: Status Pending   No   XXXXXX   XXXXXX   No   No   2150   XXXXXX   6.791   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
123   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1325   XXXXXX   7.0035   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
124   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   11120   XXXXXX   6.5656   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
133   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   No   Yes   1590   XXXXXX   7.0453   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
137   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3603.18   XXXXXX   6.612   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
138   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   7.1634   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
140   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1695   XXXXXX   6.4325   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
150   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   9947.25   XXXXXX   7.0425   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
157   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.4949   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
158   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   25.4   XXXXXX   4.7691   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
169   XXXXXX   ATR/QM: Status Pending   No   XXXXXX   XXXXXX   No   No   1900   XXXXXX   5.0286   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
172   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1095   XXXXXX   5.0339   Employed   Unemployed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
187   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   1629.96   XXXXXX   5.8807   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
191   XXXXXX   ATR/QM: Status Pending   No   XXXXXX   XXXXXX   Yes   No   10345   XXXXXX   6.1421   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
193   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   761.2   XXXXXX   5.0053   Employed   (No Data)   Permanent Resident Alien   (No Data)   (No Data)   No   0
2   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.1424   Employed   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0
209   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   3018.25   XXXXXX   7.1068   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
217   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   0   XXXXXX   6.6373   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
223   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   995   XXXXXX   6.9   Employed   Employed   U.S. Citizen   U.S. Citizen   (No Data)   No   0
225   XXXXXX   QM: Safe Harbor (APOR)   No   XXXXXX   XXXXXX   Yes   Yes   4807.5   XXXXXX   5.0306   Retired   (No Data)   U.S. Citizen   (No Data)   (No Data)   No   0

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