Exhibit 99.16
Client Name: | |||
Client Project Name: | GCAT 2022-NQM5 | ||
Start - End Dates: | 01/18/2022 - 01/27/2022 | ||
Deal Loan Count: | 2 | ||
ATR QM Upload | |||
Loans in Report: | 2 |
Loan Number | Deal | Seller Loan Number | Original Principal Balance | State | Loan Level ATR/QM Status | Lender Provided ATR/QM Worksheet | Initial Lender ATR/QM Status | Application Date | Borrowers Qualified Through a Non-Resident Alien Program | Occupancy | Property Type | Number of Units | Loan Type | Exempt Loan Product Type | Exempt Loan Housing Agency | Community Housing Development | Credit Under Economic Stabilization Act Of 2008 | Refinance Of Non-Standard Mortgage | Higher Priced Covered Transaction | State Prepay Exceptions | Loan Purpose | Loan Term Exceeds 30 Years | Interest Only Feature | Negative Amortization | Balloon Payment | Prepay Penalty Flag | Prepayment Penalty Type | Prohibited Prepayment Penalty | Exceeds Points And Fees | Exceeds DTI Limit | Lien Position | APR | QM Calculated DTI Adherence | QM Lenders DTI Adherence | QM Fee Adherence - Total Charges % | QM Fee Adherence - Lenders Fee % | Fannie Mae Eligible | Freddie Mac Eligible | VA Guaranty Eligible | FHA Insured Eligible | USDA Guarantee Eligible | Rural Housing Service Insured Eligible | QM - Expected Income Or Assets For DTI | QM - Current Employment Status For DTI | QM - Monthly Payment On Subject Loan For DTI | QM - Monthly Payment On Additional Loan For DTI | QM - Monthly Payment Mortgage Related Obligations | QM - Current Debt Obligations Alimony and Child Support for DTI | QM - Monthly DTI Ratio Or Residual Income | ATR - Guidelines Provided to Document Approach | ATR - Current And Expected Income And Assets | ATR - Current Employment Status | ATR - Mortgage Payment Obligation | ATR - Mortgage Payment on Simultaneous Transaction | ATR - Payment For Mortgage Related Obligations | ATR - Debt Obligations Including Alimony and Child Support | ATR - Monthly DTI Ratio or Residual Income | ATR - Consumer Credit History | ATR Lenders - DTI (Back) | ATR Calculated DTI (Back) | QM Lender Value DTI (Back) | QM Calculated DTI (Back) | Initial DTI (Back) | DTI Qualifying (Back) | Residual Income Analysis in File | Residual Income Guidelines | Did Loan Meet Guidelines | Residual Income Amount | Short Sale | Short Sale Date | Deed In Lieu | Deed In Lieu Date | QRM Flag | Borrower 2 Guarantor Flag | Borrower 3 Guarantor Flag | Borrower 4 Guarantor Flag | Borrower 1 Paystub Flag | Borrower 1 Paystub Number of Months | Borrower 2 Paystub Flag | Borrower 2 Paystub Number of Months | Borrower 3 Paystub Flag | Borrower 3 Paystub Number of Months | Borrower 4 Paystub Flag | Borrower 4 Paystub Number of Months | Borrower 1 W2 Flag | Borrower 1 W2 Number of Months | Borrower 2 W2 Flag | Borrower 2 W2 Number of Months | Borrower 3 W2 Flag | Borrower 3 W2 Number of Months | Borrower 4 W2 Flag | Borrower 4 W2 Number of Months | Borrower 1 Personal Tax Return Flag | Borrower 1 Personal Tax Return Number of Months | Borrower 2 Personal Tax Return Flag | Borrower 2 Personal Tax Return Number of Months | Borrower 3 Personal Tax Return Flag | Borrower 3 Personal Tax Return Number of Months | Borrower 4 Personal Tax Return Flag | Borrower 4 Personal Tax Return Number of Months | Borrower 1 Business Tax Return Flag | Borrower 1 Business Tax Return Number of Months | Borrower 2 Business Tax Return Flag | Borrower 2 Business Tax Return Number of Months | Borrower 3 Business Tax Return Flag | Borrower 3 Business Tax Return Number of Months | Borrower 4 Business Tax Return Flag | Borrower 4 Business Tax Return Number of Months | Borrower 1 Verbal VOE Flag | Borrower 1 Verbal VOE Number of Months | Borrower 2 Verbal VOE Flag | Borrower 2 Verbal VOE Number of Months | Borrower 3 Verbal VOE Flag | Borrower 3 Verbal VOE Number of Months | Borrower 4 Verbal VOE Flag | Borrower 4 Verbal VOE Number of Months | Borrower 1 Written VOE Flag | Borrower 1 Written VOE Number of Months | Borrower 2 Written VOE Flag | Borrower 2 Written VOE Number of Months | Borrower 3 Written VOE Flag | Borrower 3 Written VOE Number of Months | Borrower 4 Written VOE Flag | Borrower 4 Written VOE Number of Months | Borrower 1 P&L Flag | Borrower 1 P&L Number of Months | Borrower 2 P&L Flag | Borrower 2 P&L Number of Months | Borrower 3 P&L Flag | Borrower 3 P&L Number of Months | Borrower 4 P&L Flag | Borrower 4 P&L Number of Months | Borrower 1 Lease Agreement Flag | Borrower 1 Lease Agreement Number of Months | Borrower 2 Lease Agreement Flag | Borrower 2 Lease Agreement Number of Months | Borrower 3 Lease Agreement Flag | Borrower 3 Lease Agreement Number of Months | Borrower 4 Lease Agreement Flag | Borrower 4 Lease Agreement Number of Months | Equity Income Flag | Equity Income Amount | Equity Income Number of Months | DSCR with Rent Schedule Flag | DSCR with Rent Schedule Income Amount | DSCR with Lease Agreement Flag | DSCR with Lease Agreement Income Amount | DSCR % | Borrower 1 CPA Letter with Income Flag | Borrower 1 CPA Letter with Income Number of Months | Borrower 1 CPA Letter without Income Flag | Borrower 1 CPA Letter without Income Number of Months | Borrower 2 CPA Letter with Income Flag | Borrower 2 CPA Letter with Income Number of Months | Borrower 2 CPA Letter without Income Flag | Borrower 2 CPA Letter without Income Number of Months | Borrower 3 CPA Letter with Income Flag | Borrower 3 CPA Letter with Income Number of Months | Borrower 3 CPA Letter without Income Flag | Borrower 3 CPA Letter without Income Number of Months | Borrower 4 CPA Letter with Income Flag | Borrower 4 CPA Letter with Income Number of Months | Borrower 4 CPA Letter without Income Flag | Borrower 4 CPA Letter without Income Number of Months | Borrower 1 Personal Bank Statements Flag | Borrower 1 Personal Bank Statements Number of Months | Borrower 2 Personal Bank Statements Flag | Borrower 2 Personal Bank Statements Number of Months | Borrower 3 Personal Bank Statements Flag | Borrower 3 Personal Bank Statements Number of Months | Borrower 4 Personal Bank Statements Flag | Borrower 4 Personal Bank Statements Number of Months | Borrower 1 Business Bank Statements Flag | Borrower 1 Business Bank Statements Number of Months | Borrower 2 Business Bank Statements Flag | Borrower 2 Business Bank Statements Number of Months | Borrower 3 Business Bank Statements Flag | Borrower 3 Business Bank Statements Number of Months | Borrower 4 Business Bank Statements Flag | Borrower 4 Business Bank Statements Number of Months | Borrower 1 Award Letter Flag | Borrower 1 Award Letter Number of Months | Borrower 2 Award Letter Flag | Borrower 2 Award Letter Number of Months | Borrower 3 Award Letter Flag | Borrower 3 Award Letter Number of Months | Borrower 4 Award Letter Flag | Borrower 4 Award Letter Number of Months | Borrower 1 Offer Letter Flag | Borrower 1 Offer Letter Number of Months | Borrower 2 Offer Letter Flag | Borrower 2 Offer Letter Number of Months | Borrower 3 Offer Letter Flag | Borrower 3 Offer Letter Number of Months | Borrower 4 Offer Letter Flag | Borrower 4 Offer Letter Number of Months | Borrower 1 IRS Transcripts - Tax Returns Flag | Borrower 1 IRS Transcripts - Tax Returns Number of Months | Borrower 1 IRS Transcripts - W2s Flag | Borrower 1 IRS Transcripts - W2s Number of Months | Borrower 2 IRS Transcripts - Tax Returns Flag | Borrower 2 IRS Transcripts - Tax Returns Number of Months | Borrower 2 IRS Transcripts - W2s Flag | Borrower 2 IRS Transcripts - W2s Number of Months | Borrower 3 IRS Transcripts - Tax Returns Flag | Borrower 3 IRS Transcripts - Tax Returns Number of Months | Borrower 3 IRS Transcripts - W2s Flag | Borrower 3 IRS Transcripts - W2s Number of Months | Borrower 4 IRS Transcripts - Tax Returns Flag | Borrower 4 IRS Transcripts - Tax Returns Number of Months | Borrower 4 IRS Transcripts - W2s Flag | Borrower 4 IRS Transcripts - W2s Number of Months | Borrower 1 Income Doc Type Summary | Borrower 2 Income Doc Type Summary | Borrower 3 Income Doc Type Summary | Borrower 4 Income Doc Type Summary |
438639167 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.5412 | Yes | Yes | 1.518 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 12.64 | 12.64 | 12.64 | 12.64 | 12.64 | 12.64 | No | No | (No Data) | 63008.19 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months; |
(No Data) | (No Data) | (No Data) |
438639168 | XXXXXX | XXXXXX | XXXXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.4922 | Yes | Yes | 1.26 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 37.5 | 36.92 | 37.5 | 36.92 | 36.92 | 36.92 | No | No | (No Data) | 6776.5 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter with Income - 24 months; Personal Bank Statements - 12 months; |
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