Exhibit 99.3 Schedule 4

 

Rating Agency ATR QM Data Fields                              
                                 
Loans in Report:  37                              
Marketing ID Loan Number Loan Level ATR/QM Status Application Date Prior to 1/XX/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
27 XX QM: Safe Harbor (APOR) No 05/XX/2026 05/XX/2026 No Yes 17403.75 5/XX/2026 6.5596 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0 XX
30 XX ATR/QM: Exempt No 05/XX/2026 Not Applicable No No 0 1/XX/1900 8.2946 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
34 XX ATR/QM: Exempt No 05/XX/2026 05/XX/2026 No No 0 1/XX/1900 6.304 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
41 XX QM: Safe Harbor (APOR) No 05/XX/2026 05/XX/2026 No Yes 14945 5/XX/2026 6.6351 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
42 XX Non-QM: Lender documented all ATR UW factors No 03/XX/2026 Not Applicable No No 9215 5/XX/2026 7.4636 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
47 XX ATR/QM: Exempt No 05/XX/2026 Not Applicable Yes No 0 1/XX/1900 7.4278 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
48 XX QM: Safe Harbor (APOR) No 05/XX/2026 Not Applicable No Yes 13947.25 5/XX/2026 6.899 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
52 XX QM: Safe Harbor (APOR) No 05/XX/2026 05/XX/2026 Yes Yes 14295 5/XX/2026 6.204 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
65 XX QM: Safe Harbor (APOR) No 05/XX/2026 Not Applicable No Yes 2790 6/XX/2026 7.0439 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
69 XX Non-QM: Lender documented all ATR UW factors No 05/XX/2026 Not Applicable No No 12091.6 6/XX/2026 8.455 Employed (No Data) Permanent Resident Alien (No Data) (No Data) No 0 XX
73 XX Non-QM: Lender documented all ATR UW factors No 05/XX/2026 Not Applicable No No 2285 6/XX/2026 7.023 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
76 XX QM: Safe Harbor (APOR) No 06/XX/2026 Not Applicable No Yes 7330 6/XX/2026 7.067 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) Yes 6333.36 XX
79 XX ATR/QM: Exempt No 05/XX/2026 05/XX/2026 No No 0 1/XX/1900 7.8032 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
85 XX QM: Safe Harbor (APOR) No 01/XX/2026 Not Applicable Yes Yes 1990 6/XX/2026 6.801 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
88 XX QM: Safe Harbor (APOR) No 06/XX/2026 06/XX/2026 No Yes 10511.6 6/XX/2026 6.4897 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
92 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/XX/1900 6.9691 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
94 XX QM: Safe Harbor (APOR) No 06/XX/2026 Not Applicable Yes Yes 2590 7/XX/2026 6.998 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
97 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/XX/1900 7.9048 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
109 XX ATR/QM: Exempt No 04/XX/2026 Not Applicable No No 0 1/XX/1900 6.7936 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
113 XX ATR/QM: Exempt No 06/XX/2026 06/XX/2026 No No 0 1/XX/1900 7.124 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
123 XX ATR Risk: Non-QM - Lender did not document all ATR UW factors No 02/XX/2026 02/XX/2026 No No 3404.38 3/XX/2026 7.0606 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
125 XX QM: Safe Harbor (APOR) No 06/XX/2026 Not Applicable No Yes 1890 6/XX/2026 6.7911 Employed Unemployed Permanent Resident Alien U.S. Citizen (No Data) Yes 31112.95 XX
132 XX ATR/QM: Exempt No 04/XX/2026 Not Applicable No No 0 1/XX/1900 7.967 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
133 XX QM: Safe Harbor (APOR) No 05/XX/2026 Not Applicable No Yes 2146.25 6/XX/2026 8.0261 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
134 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/XX/1900 7.752 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
140 XX ATR/QM: Exempt No 06/XX/2026 06/XX/2026 No No 0 1/XX/1900 6.8309 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
141 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 6/XX/2026 6.3497 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
147 XX QM: Safe Harbor (APOR) No 06/XX/2026 06/XX/2026 No Yes 1195 6/XX/2026 6.6356 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
151 XX ATR/QM: Exempt No 06/XX/2026 06/XX/2026 No No 0 1/XX/1900 6.7955 Employed Retired U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
153 XX QM: Rebuttable Presumption (APOR) No 06/XX/2026 Not Applicable No Yes 3313.84 6/XX/2026 8.6158 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
158 XX ATR/QM: Exempt No 07/XX/2026 07/XX/2026 Yes No 0 1/XX/1900 7.4775 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
159 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable Yes No 0 1/XX/1900 7.9575 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
160 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/XX/1900 7.0685 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
705 XX Non-QM: Lender documented all ATR UW factors No 05/XX/2022 Not Applicable No No 9951.63 7/XX/2022 7.6428 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
716 XX Non-QM: Lender documented all ATR UW factors No 07/XX/2022 07/XX/2022 No No 18359.58 8/XX/2022 7.2178 Employed (No Data) U.S. Citizen (No Data) (No Data) Yes 15386.66 XX
813 XX ATR/QM: Exempt No 08/XX/2022 08/XX/2022 No No 0 1/XX/1900 8.25 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
Dropped XX Non-QM: Lender documented all ATR UW factors No 05/XX/2022 Not Applicable No No 9163.8 6/XX/2022 8.3945 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
 


©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.