Exhibit 99.3 Schedule 4

 

Rating Agency ATR QM Data Fields                              
                                 
Loans in Report:  27                              
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 Full Diligence ID
52 XX Non-QM: Lender documented all ATR UW factors No 06/XX/2026 06/XX/2026 No No 13800.88 7/6/2026 6.997 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0 XX
56 XX ATR/QM: Exempt No 04/XX/2026 Not Applicable No No 0 1/1/1900 6.609 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
74 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 8.689 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
87 XX Non-QM: Lender documented all ATR UW factors No 02/XX/2026 Not Applicable Yes No 2270 6/17/2026 6.799 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
96 XX ATR/QM: Exempt No 07/XX/2026 Not Applicable No No 0 1/1/1900 7.509 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
98 XX Non-QM: Lender documented all ATR UW factors No 06/XX/2026 Not Applicable No No 7781 7/9/2026 6.336 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
114 XX Non-QM: Lender documented all ATR UW factors No 06/XX/2026 Not Applicable No No 10050 6/18/2026 9.501 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
123 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 7.229 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
126 XX ATR/QM: Exempt No 06/XX/2026 06/XX/2026 No No 0 1/1/1900 7.949 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
127 XX ATR/QM: Exempt No 06/XX/2026 06/XX/2026 No No 0 1/1/1900 9.025 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
130 XX QM: Safe Harbor (APOR) No 07/XX/2026 Not Applicable No Yes 1970 7/2/2026 6.221 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
131 XX QM: Safe Harbor (APOR) No 06/XX/2026 06/XX/2026 No Yes 6395 7/2/2026 6.846 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
137 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 7.559 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
152 XX ATR/QM: Exempt No 07/XX/2026 Not Applicable No No 0 1/1/1900 8.614 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
153 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 7.336 Unemployed Unemployed (No Data) U.S. Citizen (No Data) (No Data) 0 XX
156 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 7.562 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
165 XX ATR/QM: Exempt No 06/XX/2026 06/XX/2026 No No 0 1/1/1900 7.042 Employed Employed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
166 XX ATR/QM: Exempt No 07/XX/2026 Not Applicable No No 0 1/1/1900 6.798 Unemployed Unemployed U.S. Citizen U.S. Citizen (No Data) (No Data) 0 XX
175 XX Non-QM: Lender documented all ATR UW factors No 06/XX/2026 06/XX/2026 No No 13195 7/17/2026 6.807 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
189 XX Non-QM: Lender documented all ATR UW factors No 07/XX/2026 Not Applicable No No 10875 7/23/2026 8.921 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
192 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 7.02 Unemployed Employed (No Data) U.S. Citizen (No Data) (No Data) 0 XX
193 XX QM: Safe Harbor (APOR) No 07/XX/2026 Not Applicable Yes Yes 274.95 7/24/2026 6.683 Employed Employed U.S. Citizen U.S. Citizen (No Data) No 0 XX
194 XX ATR/QM: Exempt No 06/XX/2026 Not Applicable No No 0 1/1/1900 7.544 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
196 XX QM: Safe Harbor (APOR) No 06/XX/2026 Not Applicable No Yes 365 7/20/2026 7.143 Employed Unemployed U.S. Citizen U.S. Citizen (No Data) No 0 XX
199 XX QM: Safe Harbor (APOR) No 07/XX/2026 Not Applicable No Yes 1850 7/30/2026 7.242 Employed (No Data) U.S. Citizen (No Data) (No Data) No 0 XX
200 XX ATR/QM: Exempt No 07/XX/2026 Not Applicable No No 0 1/1/1900 7.334 Unemployed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
201 XX ATR/QM: Exempt No 07/XX/2026 Not Applicable Yes No 0 1/1/1900 7.969 Employed (No Data) U.S. Citizen (No Data) (No Data) (No Data) 0 XX
 


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