Exhibit 99.3
Exception Grades
| SitusAMC Loan ID | Loan ID | Customer Loan ID | Seller Loan ID | Investor Loan Number | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | Moody's Initial Exception Rating | Moody's Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| GCAT2026NQM30190 | 35070074 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than [Redacted] days prior to closing. | recent year paystub or WVOE is missing | Reviewer Comment (2026-01-07): Received and associated recent paystub. Exception cleared. Seller Comment (2026-01-05): Waterfall Finding to # [Redacted] Reviewer Comment (2025-12-19): Missing pay stub with YTD information. Seller Comment (2025-12-17): Waterfall Finding to # [Redacted] |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30190 | 35070075 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | recent year paystub or WVOE is missing | Reviewer Comment (2026-01-07): Received and associated recent paystub. Exception cleared. |
01/07/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30190 | 35070080 | Credit | Income | Document Error | Income | YTD Date is dated more than 90 days before the application date. | - | recent year paystub is missing | Reviewer Comment (2026-01-07): Received and associated recent paystub. Exception cleared. Seller Comment (2026-01-05): Attached the most recent paystubs for the Employment with [Redacted]. Please Clear. Reviewer Comment (2025-12-19): For the employment with [Redacted]., the recent pay stub is not available in the file. The note date is [Redacted], and the Year-to-Date (YTD) date is [Redacted], which is older than [Redacted] days. Please provide the recent pay stub. Exception Remains. Seller Comment (2025-12-17): The YTD date is acceptable per [Redacted] guidelines. Our Underwriting Guide allows income documentation to be dated up to [Redacted] days prior to the Note date. The borrower's paystub falls within this allowable age. The guideline does not impose a [Redacted] -day limit. Please Cancel. |
01/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30190 | 35070102 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2025-12-08): Received and associated UCDP Submission Summary Report document with score #[Redacted]. Exception Cleared. Seller Comment (2025-12-04): Attached the secondary valuation requirement that satisfies the Requirement. The UCDP Submission Summary Report (SSR), that shows the appraisal was successfully submitted to Fannie Mae with a "Successful" status. This confirms the appraisal was accepted by the GSE portal, meeting the investor requirement for secondary valuation with a score of [Redacted] or below. Please Cancel. |
12/08/2025 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30190 | 35070107 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | AUS is missing | Reviewer Comment (2025-12-08): Received and associated AUS. Exception Cleared Seller Comment (2025-12-04): The AUS findings have been uploaded to the file and satisfy the requirement for automated underwriting documentation. The missing AUS is now included in [Redacted]and available for review. Please Clear. |
12/08/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | C | A | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30196 | 35136737 | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Lender exception to allow use of gift funds on a rate/term refinance. Approval in file. Missing documentation of the transfer of gift funds in the amount of $[Redacted] | Reviewer Comment (2026-01-27): Received and associated deposit receipt and bank statement. Exception cleared. Seller Comment (2026-01-23): Attached documents evidencing transfer of the $[Redacted] gift funds. The donor withdrawal and corresponding receipt by the settlement agent confirm the gift funds were transferred to escrow for the subject transaction. Please Clear Reviewer Comment (2025-12-12): The provided document shows a cash withdrawal from the donor's account on page [Redacted]. However, we do not have any evidence confirming that the gift amount was transferred to the escrow account or the borrower's account. Please provide proof of the gift transfer. The exception remains. Seller Comment (2025-12-10): The Proof of the gift withdrawal of $[Redacted] is fully documented on page [Redacted] ([Redacted]) of [Redacted] and represents the transfer of the gift funds into escrow. Please Cancel. |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30196 | 35136769 | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Lender exception to allow use of gift funds on a rate/term refinance. Approval in file. Missing documentation of the transfer of gift funds in the amount of $[Redacted] | Reviewer Comment (2026-01-27): Received and associated deposit receipt and bank statement. Exception cleared. Seller Comment (2026-01-23): Waterfall Finding to #[Redacted] Reviewer Comment (2025-12-12): The provided document shows a cash withdrawal from the donor's account on page [Redacted]. However, we do not have any evidence confirming that the gift amount was transferred to the escrow account or the borrower's account. Please provide proof of the gift transfer. The exception remains. Seller Comment (2025-12-10): Waterfall Finding to #[Redacted] |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30196 | 35136773 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted]is less than Cash From Borrower $[Redacted]. Lender exception to allow use of gift funds on a rate/term refinance. Approval in file. Missing documentation of the transfer of gift funds in the amount of $[Redacted]. | Reviewer Comment (2026-01-27): Received and associated deposit receipt and bank statement. Exception cleared. Seller Comment (2026-01-23): Waterfall Finding to #[Redacted] Reviewer Comment (2025-12-12): The provided document shows a cash withdrawal from the donor's account on page [Redacted]. However, we do not have any evidence confirming that the gift amount was transferred to the escrow account or the borrower's account. Please provide proof of the gift transfer. The exception remains. Seller Comment (2025-12-10): Waterfall Finding to #[Redacted] |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30196 | 35136777 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted]is less than Guideline PITIA months reserves of [Redacted]. Lender exception to allow use of gift funds on a rate/term refinance. Approval in file. Missing documentation of the transfer of gift funds in the amount of $[Redacted]. | Reviewer Comment (2026-01-27): Received and associated deposit receipt and bank statement. Exception cleared. Reviewer Comment (2025-12-12): The provided document shows a cash withdrawal from the donor's account on page [Redacted]. However, we do not have any evidence confirming that the gift amount was transferred to the escrow account or the borrower's account. Please provide proof of the gift transfer. The exception remains. Seller Comment (2025-12-10): Waterfall Finding to #[Redacted] |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30094 | 35258226 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | City on the Flood Cert reflects[Redacted]. City on the Note reflects [Redacted]. | Reviewer Comment (2026-02-05): Documentation provided; exception cleared. Seller Comment (2026-02-03): Attached the Updated Flood Cert. Please Clear. Reviewer Comment (2026-01-29): Please provide updated doc to match Note or waive with comp factors. Seller Comment (2026-01-27): The Flood Certificate and Note reference the same subject property and do not reflect a true address discrepancy. The Flood Certificate lists the property as [Redacted] and identifies the [Redacted] community as [Redacted] ([Redacted], [Redacted]). The Note lists the property address as [Redacted]. [Redacted] is the legal municipality, while [Redacted] is the postal city designation. The street address, ZIP code, and state match across all documents, confirming the same subject property. This township versus postal city variation is common in [Redacted] and is acceptable. Please Cancel. Reviewer Comment (2026-01-27): The addresses must match on all docs. This can be waived with comp factors. Seller Comment (2026-01-23): The Flood Certificate and Note reference the same subject property and do not reflect a true address discrepancy. The Flood Certificate lists the property as [Redacted] and identifies the NFIP community as [Redacted] ([Redacted], [Redacted]). The Note lists the property address as [Redacted]. [Redacted] is the legal municipality, while [Redacted] is the postal city designation. The street address, ZIP code, and state match across all documents, confirming the same subject property. This township versus postal city variation is common in [Redacted] and is acceptable. Please Cancel. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30283 | 35310258 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for fidelity/crime insurance coverage of $[Redacted] where $[Redacted] is required. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2025-12-26): The Client elects to waive |
12/26/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30123 | 35313465 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file is missing the Mortgage Statement ,Tax verification and Insurance verification for this property. | Reviewer Comment (2026-02-10): Received and associated updated 1003 and 1008. Exception cleared. Seller Comment (2026-02-09): Attached updated 1003. Reviewer Comment (2026-02-05): The provided 1003 showing the correct REO details is in the [Redacted] version. Please provide the updated 1003 ([Redacted] version) reflecting the correct REO information. Exception remains. Seller Comment (2026-02-03): Updated Forms 1003 and 1008 are attached, removing [Redacted] from the borrower's REO schedule. The property remains in probate and has not transferred ownership; therefore, it should not be included as an REO. As no ownership or housing obligation exists, related taxes, insurance, and P&I are not applicable to the borrower's DTI. Please Clear. Reviewer Comment (2026-02-03): The REO property [Redacted] is still appearing on the final 1003, and the associated P&I, taxes, and insurance amounts are currently being reflected in the borrower's DTI. If these amounts are not intended to be included in the borrower's DTI. Please provide an updated, signed final 1003 and 1008 with the corrected REO information. If the liability is intended to be included in the borrower's DTI. Please provide the required Mortgage Statement, Tax verification, and Insurance verification to support the amounts listed. Exception remains. Seller Comment (2026-01-30): Review of the closed loan file and attached correspondence confirms that [Redacted] had not closed as of the note date ([Redacted]) and was still in probate, preventing transfer of ownership to the borrower. Email correspondence from the broker dated [Redacted] states the transaction had not closed and title had not vested in the borrower as of closing, evidencing that the borrower did not hold legal ownership or a finalized mortgage obligation for this property at the time of consummation. As ownership had not transferred and no housing obligation existed as of the note date, the property should not be treated as an REO, and REO documentation requirements are not applicable. Please Cancel. Reviewer Comment (2026-01-15): The available worksheet and unsigned 1003, COC is not considerable. Please provide the CD/first payment letter in case it's a new loan transaction to verify P&I. In case tax and insurance are not escrowed then please provide the tax verification and hazard insurance policy. Exception remains. Seller Comment (2026-01-13): See pages [Redacted] and [Redacted] in [Redacted] showing the details of this loan. This is a purchase transaction that hasn't closed yet but the documents in [Redacted] shows the proposed taxes, insurance, HOA and P&I. Please cancel. |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30193 | 35314783 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-01-05): The client elects to waive Seller Comment (2026-01-02): [Redacted] accept please waive |
01/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30267 | 35324958 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-31): Sufficient Cure Provided At Closing |
12/31/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30227 | 35352501 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Per the 1003 borrower is separated. Provide separation agreement/terms of separation. | Reviewer Comment (2026-01-15): Received and associated divorce decree. Exception cleared. Seller Comment (2026-01-14): ATTACHED |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30309 | 35340737 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Hazard Insurance address does not match Note address. HO6 policy does not contain the unit number. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-18): The client elects to waive. Per Seller, The subject property's USPS-verified mailing address is [Redacted]. The appraisal, parcel records, and escrow documentation consistently reflect [Redacted]. The only documentreferencing [Redacted] is the HOI policy, which appears to follow the assessor's internal ZIP coding. As [Redacted] governs official mailing ZIP codes and lender address validation systems rely on USPS data, [Redacted] is the appropriate and market-supported ZIP codefor reporting purposes. Reviewer Comment (2026-02-16): The zip code must be updated or you can waive with comp factors. Reviewer Comment (2026-01-28): The zip code is incorrect, and the legal address on title reflects unit # [Redacted]. You can waive with comp factors to a [Redacted]. Seller Comment (2026-01-24): ATTACHED Reviewer Comment (2026-01-22): Hazard Insurance address does not match Note address zip code is mismatching. Exception remains. Seller Comment (2026-01-20): No unit number in the address |
02/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30309 | 35340738 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood certificate address does not contain the unit number. | Reviewer Comment (2026-01-28): The zip code was updated however missing unit #. The legal address on title reflects unit # [Redacted]. You can waive with comp factors to a [Redacted]. Reviewer Comment (2026-01-28): Corrected flood updated. Seller Comment (2026-01-24): ATTACHED Reviewer Comment (2026-01-22): The zip code on flood cert does not match zip code on Note. Seller Comment (2026-01-20): No unit number in the address |
01/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30309 | 35340739 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-02-18): The TPOL was provided. |
02/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30309 | 35340740 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Note does not contain the unit number in the address. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-18): The client elects to waive. Per Seller, The subject property's [Redacted]-verified mailing address is [Redacted]. The appraisal, parcel records, and escrow documentation consistently reflect [Redacted]. The only documentreferencing [Redacted] is the HOI policy, which appears to follow the assessor's internal ZIP coding. As [Redacted] governs official mailing ZIP codes and lender address validation systems rely on USPS data, [Redacted] is the appropriate and market-supported ZIP codefor reporting purposes. Reviewer Comment (2026-01-28): CDA still reflects incorrect zip code. Corrected appraisal is missing unit #[Redacted]. Seller Comment (2026-01-24): ATTACHED Reviewer Comment (2026-01-22): The zip code is incorrect on the appraisal. The Note reflects [Redacted]. Seller Comment (2026-01-20): No unit number in the address |
02/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30309 | 35341100 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-warrantable condo, lender exception in file. Missing exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-15): The client elects to waive. Seller Comment (2026-01-13): ATTACHED |
01/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30309 | 35652029 | Compliance | Compliance | Miscellaneous Compliance | Compliance | Other Compliance Exception (Manual Add) | The Note address does not reflect the unit #. The legal address on title reflects unit # [Redacted]. | Reviewer Comment (2026-02-16): Final title provided and address matches Note. Seller Comment (2026-02-12): Per escrow unit # should not be included in the address |
02/16/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | Yes | ||||||||||||||||||||||
| GCAT2026NQM30075 | 35365159 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide LOE from borrower as to why the subject is vacant. Appraisal states owner occupied and no lease in file. | Reviewer Comment (2026-02-17): A LOE from the borrower explaining the reason for the occupant discrepancy on the appraisal. Reviewer Comment (2026-02-11): The LOE contradicts the approved terms, please verify if this is short term rental or long term rental and provide supporting documentation. Seller Comment (2026-02-09): It should be cleared based on needing the LOE that was uploaded before. Please Clear Seller Comment (2026-02-09): The exception should be Canceled. The appraiser explicitly refused to change the occupancy despite revision requests, as documented in the underwriter [Redacted] on page [Redacted] of [Redacted], stating the property did not fit tenant-occupied or owner-occupied classifications at the time of inspection. The appraisal confirms the property was vacant, with no lease in place, and management approved proceeding using long-term market rent. The loan was not underwritten as a short-term rental, no STR income was used, and no STR documentation was required. This is not a missing documentation issue; it reflects an appraisal judgment and underwriting decision already reviewed and approved. As the condition prompting the finding cannot be cured due to the appraiser's position and the property is properly treated as vacant long-term rental, cancellation is the appropriate resolution. Please Cancel. Reviewer Comment (2026-02-09): The LOE states subject is short term rental, lender approved as long term rental, please clarify correct usage and monthly income being used along with supporting documentation required for short term rentals. Seller Comment (2026-02-05): Attached LOE from the borrower evidencing the reason the subject property was vacant at the time of appraisal is included in the file. The attached borrower LOE dated [Redacted] confirms the subject property located at [Redacted] was vacant at the time of inspection and satisfies the vacancy explanation requirement. Please Clear. Reviewer Comment (2026-01-21): The comment from the appraiser states there is no lease in place, and there is no LOE in file from borrower as to why the subject is vacant. An LOE from the borrower is required, exception remains. Seller Comment (2026-01-16): See page [Redacted] in [Redacted] where the appraiser revised the appraisal in regard to the Occupancy. The owner was present at the time of the inspection and stated and indicated the property would be used as a Permanent Lease/rent in the future. The 1008 located on page [Redacted] in [Redacted] explains this issue. Please cancel. |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30219 | 35350441 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Calculated Debt Service Coverage Ratio of [Redacted] does not meet Guideline required Debt Service Coverage Ratio of [Redacted]. Lender exception for [Redacted] DSCR when [Redacted] is required for short-term rental income. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-01-08): The Client elects to waive |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30124 | 35352416 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing declaration that use of business funds will not negatively impact the business. | Reviewer Comment (2026-02-06): Received and associated CPA from stating that use of business funds will not have a negative impact on the business. Sufficient assets for closing and reserve requirement verified. Exception Cleared. Seller Comment (2026-02-05): The attached CPA letter dated [Redacted] confirms the borrower is the [Redacted]% owner of [Redacted] and that the withdrawal of business funds for closing will not negatively impact business operations. This satisfies [Redacted] Underwriting Guide §8.2 requirements for use of business funds. Please Cancel. Reviewer Comment (2026-01-21): Borrower is [Redacted]% owner of the business, based on the guideline 'when business funds are being used for down payment or closing costs, and the borrower is using self-employed income from that business to qualify, documentation to prove that the withdrawal of funds will not negatively impact the business is required'. Please provide evidence stating use of business funds will not negatively impact on the business. Exception remains. Seller Comment (2026-01-16): Per [Redacted] Guideline 8.2 Business Funds as Assets: The business funds must be sourced or seasoned for thirty days prior to application date. Evidence of Borrower's percentage of ownership must be provided. The borrower must be (at least 25% owner) of the business account as evidenced by the firm's operating agreement, CPA/EA/CTEC or a tax preparer with a PTIN letter, or equivalent. In addition, when business funds are being used for down payment or closing costs, and the borrower is using self-employed income from that business to qualify, documentation to prove that the withdrawal of funds will not negatively impact the business is required as evidenced by either: when the borrower owns 100% of the business, a letter from the borrower AND a cash flow analysis based on the Underwriter's review of the Bank Statements. This documentation has been provided per guidelines. Please cancel. |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30199 | 35349374 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-06): Sufficient Cure Provided At Closing |
01/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30199 | 35349396 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Mortgage Statement is missing for the property address [Redacted] to verify P&I | Reviewer Comment (2026-02-03): Clarification provided that there is no mortgage on REO, updated 1003, 1008 and AUS provided. Reviewer Comment (2026-01-29): withdrawn. If we exclude the mortgage payment for Property #[Redacted], it will impact the DTI calculation. To proceed, please provide the Free and Clear Letter for Property #[Redacted]. We also require an updated 1008 and updated 1003. Exception remains. Seller Comment (2026-01-28): Page [Redacted] of [Redacted] ([Redacted], [Redacted] Schedule E) reflects the REO property at [Redacted], Providence, [Redacted] with $[Redacted] reported on Line 12 (Mortgage interest paid), evidencing no mortgage interest and no P&I obligation. Any referenced payment was associated with a prior [Redacted] refinance that was initiated and subsequently withdrawn. As no active mortgage exists, a mortgage statement is not applicable. Please Cancel. Reviewer Comment (2026-01-27): Received property History Report for "[Redacted]", however, Required Mortgage Statement for the property "[Redacted]". Exception remains. Seller Comment (2026-01-23): Attached status that [Redacted] was withdrawn on [Redacted]. Please Cancel. Reviewer Comment (2026-01-21): Missing evidence in file that loan with [Redacted] was withdrawn Seller Comment (2026-01-16): Loan with [Redacted] for the refinance of [Redacted] was withdrawn on [Redacted]. See pages [Redacted] for property tax and [Redacted] for HOI for [Redacted]. Please cancel. |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30420 | 35364924 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Articles of organization formation is missing in the file. | Reviewer Comment (2026-01-21): Received and associated Articles of Organization/Formation. Exception Cleared Seller Comment (2026-01-16): Borr shown as [Redacted]% owner on [Redacted] Seller Comment (2026-01-16): OA Reviewer Comment (2026-01-15): Received article of organization however it is not reflecting the borrower name '[Redacted]' ([Redacted]% ownership). Please provide the article of organization/formation reflecting borrower name. Exception remains. Seller Comment (2026-01-14): doc Reviewer Comment (2026-01-13): Please provide the 'Articles of organization formation' for the business '[Redacted], a [Redacted]'. Exception remains. Seller Comment (2026-01-11): Articles of organization/formation information is included in the operating agreement . |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30186 | 35455854 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Calculated Debt Service Coverage Ratio of [Redacted] does not meet required Guideline Debt Service Coverage Ratio of [Redacted]. Lender exception for a [Redacted] DSCR with a First Time Investor. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-14): The Client elects to waive |
01/14/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30314 | 35481005 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy: City reflects [Redacted] vs.[Redacted] per Note. | Reviewer Comment (2026-02-02): Documentation provided; exception cleared. Seller Comment (2026-01-29): See attached updated Title Commitment that shows the address corrected to city to [Redacted]. Please clear. |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30314 | 35481055 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA: Reflects [Redacted] as a unit number vs [Redacted] per the Note. | Reviewer Comment (2026-02-05): Documentation provided; exception cleared. Seller Comment (2026-02-03): Attached is the Updated CDA, Please Clear. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30314 | 35481056 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Cert: Reflects [Redacted] as a unit number vs [Redacted] per the Note. | Reviewer Comment (2026-02-02): Documentation provided; exception cleared. Seller Comment (2026-01-29): See attached updated Flood Cert that reflects [Redacted]. Please clear. |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30415 | 35447517 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [Redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted] or $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the [Redacted]. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted] or $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the [Redacted]. | Reviewer Comment (2025-12-17): [Redacted]received corrected [Redacted] and LOE. Buyer Comment (2025-12-16): lox Reviewer Comment (2025-12-16): [Redacted]received copy of final SS but LOE to accompanying CD is still missing. LOE is required for remediations. Buyer Comment (2025-12-15): see attached settlement statement Reviewer Comment (2025-12-10): [Redacted]received corrected [Redacted] with updated recording fee. Please provide copy of true and certified ALTA final SS to validate the fee and LOE to accompanying CD. Buyer Comment (2025-12-09): See docs provided |
12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30415 | 36221671 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | CPA letter does not address all points required per [Redacted] guidelines, post close lender exception provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-03): Post close lender exception provided. |
04/03/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | A | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| GCAT2026NQM30073 | 35477157 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment (2026-02-02): [Redacted] received initial CD. Seller Comment (2026-01-31): ICD Reviewer Comment (2026-01-30): [Redacted] received disclosure summary. However,we would also require initial CD in order to clear the exception. Seller Comment (2026-01-29): [Redacted] viewed [Redacted] Seller Comment (2026-01-29): [Redacted] audit trail |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30073 | 35477159 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-03-20): [Redacted] received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD Reviewer Comment (2026-03-17): [Redacted] Received Corrected PCCD and LOE; however, Copy of check and Proof of Mailing missing. Provide Copy of Check and Proof of Mailing. Seller Comment (2026-03-16): lender cure Seller Comment (2026-03-16): cure Reviewer Comment (2026-01-30): [Redacted] received disclosure tracking for initial CD. However, we would also require initial CD in order to clear the exception Since the file only contains one CD dated [Redacted]. |
03/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30073 | 35477160 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-03-10): [Redacted] received VCC. Reviewer Comment (2026-02-06): [Redacted] Received CD dated [Redacted] along with COC showing CDA paid by borrower; however, COC states CDA fee is paid by LO and needs to be reimbursed at closing. Details provided on COC does not match with CD. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-02-05): The CDA is required to support the value of the appraisal and ordered after the appraisal is completed Reviewer Comment (2026-02-03): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the CDA fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee added and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Seller Comment (2026-02-02): CD,COC, CDA invoice |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30515 | 35485329 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided | The file is missing a copy of Operating Agreement. | Reviewer Comment (2026-02-25): Received Officer's Certificate. Exception Cleared. Seller Comment (2026-02-22): [Redacted] guideline allows for equivalent document to the operating agreement to confirm borrower is an authorized signer and has authority to execute documents. That information is on the member resolution. Reviewer Comment (2026-02-04): Received Corporate Resolution please provide the operating agreement for the business '[Redacted]'. Exception Remains. Seller Comment (2026-01-31): member resolution for OA |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30515 | 35585663 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-04): The client elects to waive. Seller Comment (2026-05-04): Corrected exception provided Reviewer Comment (2026-05-01): The lender exception does not list the exception reason. Seller Comment (2026-04-29): Exception form provided along with approval email Seller Comment (2026-04-29): We provided the email from [Redacted]approving to proceed as is, please clear. Reviewer Comment (2026-04-10): Provide the approved exception form from [Redacted] with valid compensation factors for waiver. Seller Comment (2026-04-09): exception to proceed without and cert, per [Redacted] Reviewer Comment (2026-02-04): Trust funds are used for the qualification, please provide the Trust Agreement. Exception Remains. Seller Comment (2026-01-31): NA |
05/04/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30274 | 35608529 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) per compliance report does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Reviewer Comment (2026-01-28): Client restated to SHQM (APOR) Seller Comment (2026-01-26): [Redacted] - Please restate loan designation to Safe Harbor. |
01/28/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30274 | 35653551 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Please accept as is. | Reviewer Comment (2026-02-02): Client accepts as is. Seller Comment (2026-01-29): [Redacted] - Loan restated to Safe Harbor per exception [Redacted]. Client accepts as is. |
02/02/2026 | 2 | A | B | B | B | A | [Redacted] | Primary | Purchase | C | B | A | A | C | B | A | A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026NQM30378 | 35583216 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for Property - Rural property over [Redacted] acres with [Redacted] Exemption. Missing lender exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. LTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-08): Lender exception in file. Seller Comment (2026-04-06): approvals attached |
04/08/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30378 | 35583240 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal has the zip code of [Redacted] whereas the Note has the zip code of [Redacted]. | Reviewer Comment (2026-04-08): Corrected Note provided, exception cleared. Seller Comment (2026-04-06): Here is the correct note Reviewer Comment (2026-02-25): All docs must match. Please correct the Note or the appraisal, exception remains. You are welcome to downgrade to a [Redacted]. Seller Comment (2026-02-21): Even [Redacted] mapping could change this address. You are insured on a legal description- NOT THE PHYSICAL ADDRESS Reviewer Comment (2026-02-17): All docs must match the Note. If the Note is being corrected, please also update the Security Instrument, Title, Insurance, Flood, Appraisal, etc. Seller Comment (2026-02-13): we are keeping zipcode at [Redacted] [Redacted] is showing that as the correct zipcode kindly give us a list of documents you need corrected Reviewer Comment (2026-02-06): Waiting on updated documentation. Seller Comment (2026-02-04): If we have proof the current zip code is correct in the system per legal on title, I would send those docs and get the updated HOI and appraisal! I don't think it is needed to submit [Redacted] and [Redacted]. Reviewer Comment (2026-01-30): We need all docs to match. You can provide corrected Note etc., or corrected valuation, insurance ins. Or youc an downgrade with comp factors. Seller Comment (2026-01-30): Title and contract reflect [Redacted] matching the file in ec, I did a search and it appears they have changed some of the parts of [Redacted] to [Redacted] so they both are accurate but not sure what we need to change on this or what exactly is correct as like I said title and the contract match [Redacted], with the below zip it confirming they are one in the same can we get by with this? Copied [Redacted] for her input as well Seller Comment (2026-01-28): [Redacted] [Redacted] > [Redacted] looks to be correct Contract had [Redacted]though |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30378 | 35583253 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA has the zip code of [Redacted] whereas the Note has the zip code of [Redacted]. | Reviewer Comment (2026-04-08): Corrected Note provided, exception cleared. Reviewer Comment (2026-01-30): We need all docs to match. You can provide corrected Note etc., or corrected valuation, insurance ins. Or youc an downgrade with comp factors. Seller Comment (2026-01-30): Title and contract reflect [Redacted] matching the file in ec, I did a search and it appears they have changed some of the parts of [Redacted] to [Redacted] so they both are accurate but not sure what we need to change on this or what exactly is correct as like I said title and the contract match [Redacted], with the below zip it confirming they are one in the same can we get by with this? Copied [Redacted] for her input as well |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30378 | 35583330 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Insurance has the zip code of [Redacted] whereas the Note has the zip code of [Redacted]. | Reviewer Comment (2026-04-08): Corrected Note provided, exception cleared. Reviewer Comment (2026-02-27): Received document stating the zip code is changed to [Redacted], please provided corrected Note and Security instrument. Exception Remains. Seller Comment (2026-02-25): I will have the note corrected we are keeping everything else the same zipcode |
04/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30378 | 36256704 | Credit | System | General | System | Security Instrument address does not match Note address. | Corrected Note provided, security instrument address does not match updated Note address. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. LTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-21): Client elects to waive w/comp factors. Seller Comment (2026-04-17): down grade Reviewer Comment (2026-04-17): We need either the corrected security instrument OR you can downgrade to a [Redacted]. Seller Comment (2026-04-15): Please escalate per title Your investor is covered by the legal description. Period. We do not insure the address. Once again. It's the legal description here in [Redacted] Not [Redacted] Sincerely, [Redacted] Reviewer Comment (2026-04-13): Security Instrument address does not match Note address. Seller Comment (2026-04-09): revised note attached |
04/21/2026 | 2 | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||
| GCAT2026NQM30204 | 35597337 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized, and was originated with an Appraisal Waiver. AVM supports value. Sec ID: 26 | Note Date: ___; Lien Position: ___ | Reviewer Comment (2026-02-19): Client elects to waive. Buyer Comment (2025-11-24): accept as is- PIW |
02/19/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30204 | 35597339 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Appraisal waiver utilized. | Reviewer Comment (2025-12-02): Documentation provided; exception cleared. Buyer Comment (2025-11-28): see attached inspection |
12/02/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30204 | 35597340 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HOI address does not reflect [Redacted] as well as City does not match Note. | Reviewer Comment (2025-11-20): Address affidavit provided. Buyer Comment (2025-11-19): see [Redacted] |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30204 | 35597341 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | City does not match the Note. | Reviewer Comment (2025-11-20): Address affidavit provided. Buyer Comment (2025-11-19): see [Redacted] |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30204 | 35597342 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | AVM: City does not match the Note | Reviewer Comment (2025-11-20): Address affidavit provided. Buyer Comment (2025-11-18): address affidavit |
11/20/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30059 | 35608526 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification of the business status within 120 calendar days prior to the note date. | Reviewer Comment (2026-02-17): Documentation provided; exception cleared. Seller Comment (2026-02-12): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30059 | 35608739 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. Missing third party verification of the business status within 120 calendar days prior to the note date. | Reviewer Comment (2026-02-17): Documentation provided; exception cleared. Seller Comment (2026-02-12): Attached |
02/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30059 | 35608741 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. Missing third party verification of the business status within 120 calendar days prior to the note date. | Reviewer Comment (2026-02-17): Documentation provided; exception cleared. Seller Comment (2026-02-12): Attached |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30059 | 35609719 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Business assets were used to qualify. Require either a signed letter from either a CPA/licensed tax preparer OR a Cash Flow Analysis which shows withdrawal of funds for the transaction will not have a negative impact on the business. |
Reviewer Comment (2026-02-24): Documentation provided; exception cleared. Reviewer Comment (2026-02-16): The business account ending in #[Redacted] has been considered; however, the Borrower still does not meet the required cash-from-borrower threshold. Please provide additional asset documentation to satisfy the cash-from-borrower requirements. Exception Remains. Seller Comment (2026-02-12): UW comments: The business account #[Redacted] was not the business account used for income calculation nor were the funds derived/used from the business using this account, but actually the sale of real estate just passing through this account. The business account used for income calculation is #[Redacted]where I did a cash flow analysis Reviewer Comment (2026-02-11): We have received the Cash Flow Analysis for [Redacted] account ending in [Redacted]. Kindly provide the CPA/Cash Flow Analysis for [Redacted] Business account ending in [Redacted] to confirm that the withdrawal of funds for the transaction will not adversely affect the business or its ongoing operations. Exception remains Seller Comment (2026-02-10): ATTACHED |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30090 | 35614475 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-02-05): Client elects to waive Seller Comment (2026-02-03): ATTACHED |
02/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30093 | 35629176 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to Usability of account #[Redacted]. Account was used at [Redacted]% usability for asset utilization income. Account assets are stocks and recalculated with [Redacted]% usability.. | Reviewer Comment (2026-02-12): Documentation provided; exception cleared. Reviewer Comment (2026-02-10): Based on the updated underwriting worksheet, the total eligible qualifying assets are $[Redacted]. However, only three accounts were included in the worksheet, totaling $[Redacted], which results in the income calculation not aligning with the full eligible amount $[Redacted]. As a result, the calculated investor qualifying Total Debt Ratio (TDR) is [Redacted]%, which exceeds the guideline maximum Total Debt Ratio of [Redacted]%. Exception remains. Seller Comment (2026-02-06): [Redacted] account ending [Redacted] is a cash-only account with no stocks or mutual funds and is therefore eligible to be utilized at [Redacted]%. [Redacted] account ending [Redacted] was reduced in the asset utilization calculation. The asset utilization worksheet was updated, qualifying ratios were re-run, and the borrower's total DTI remains within the [Redacted]% maximum. Reserves were recalculated and continue to meet guideline requirements at [Redacted] months. Updated documentation has been uploaded to the file, including the revised 1008, 1003, and Underwriting Asset Utilization Worksheet, evidencing the corrected calculation and compliance. Please clear. Reviewer Comment (2026-02-03): The guidelines state only [Redacted]% of stocks usable for asset utilization, exception remains. Seller Comment (2026-01-30): See page [Redacted] in [Redacted] that gives the description of each account. [Redacted] & [Redacted] are under the General Investment accounts. [Redacted] is the only retirement account with [Redacted] that was used in the Asset Utilization. The assets were calculated correctly, and the DTI is correct at [Redacted]%. Please cancel. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30093 | 35629188 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk as calculated DTI exceeds guidelines. Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to Usability of account #[Redacted]. Account was used at [Redacted]% usability for asset utilization income. Account assets are stocks and recalculated with [Redacted]% usability. | Reviewer Comment (2026-02-12): Documentation provided; exception cleared. Reviewer Comment (2026-02-10): The calculated income is $[Redacted], calculated dti is [Redacted]%, exception remains. Seller Comment (2026-02-06): Waterfall to Finding #[Redacted] Reviewer Comment (2026-02-03): The guidelines state only [Redacted]% of stocks usable for asset utilization, exception remains. Seller Comment (2026-01-30): Waterfall to [Redacted] |
02/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30093 | 35629189 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to Usability of account #[Redacted]. Account was used at [Redacted]% usability for asset utilization income. Account assets are stocks and recalculated with [Redacted]% usability.. | Reviewer Comment (2026-02-12): Documentation provided; exception cleared. Reviewer Comment (2026-02-10): The calculated income is $[Redacted], calculated dti is [Redacted]%, exception remains. Seller Comment (2026-02-06): Waterfall to Finding #[Redacted] Reviewer Comment (2026-02-03): The guidelines state only [Redacted]% of stocks usable for asset utilization, exception remains. Seller Comment (2026-01-30): Waterfall to [Redacted] |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30093 | 35629190 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at ATR Risk as calculated DTI exceeds guidelines. Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. Variance due to Usability of account #[Redacted]. Account was used at [Redacted]% usability for asset utilization income. Account assets are stocks and recalculated with [Redacted]% usability.. | Reviewer Comment (2026-02-12): Documentation provided; exception cleared. Reviewer Comment (2026-02-10): The calculated income is $[Redacted], calculated dti is [Redacted]%, exception remains. Seller Comment (2026-02-06): Waterfall to Finding #[Redacted] Reviewer Comment (2026-02-03): The guidelines state only [Redacted]% of stocks usable for asset utilization, exception remains. Seller Comment (2026-01-30): Waterfall to [Redacted] |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30077 | 35618615 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Evidence of insurance (blanket policy) does not list a lender/mortgagee | Reviewer Comment (2026-03-16): Documentation provided; exception cleared. Seller Comment (2026-03-12): Attached Reviewer Comment (2026-03-03): The Lender on the mortgagee on the Master Policy does not match the Lender on the Note. Seller Comment (2026-02-27): HOI Reviewer Comment (2026-02-26): Doc provided is not for subject. Seller Comment (2026-02-24): ATTACHED |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30077 | 35638624 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender approved exception in file for property flip sale where the subject was not listed on MLS. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-27): The Client elects to waive |
01/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30174 | 35620378 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-23): Sufficient Cure Provided At Closing |
01/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30174 | 35627782 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Most Recent 12 month primary rental payment history was not provided. | Reviewer Comment (2026-02-27): Received and associated Rental Pay History. Exception cleared. Seller Comment (2026-02-25): VOR Seller Comment (2026-02-25): VOR [Redacted]-[Redacted] Reviewer Comment (2026-02-02): Received LOE from property manager and payment details. However, letter sates borrowers stayed till [Redacted], closing date is [Redacted] remaining months housing history is required. Exception remains. Seller Comment (2026-01-29): VOR |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30174 | 35627792 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for non-arms length transaction. Borrower is buying from current landlord. Landlord uses a rental management company. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-28): The Client elects to waive |
01/28/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30174 | 35627985 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Third Party Verification the business is [Redacted]% owned by the Borrower. | Reviewer Comment (2026-03-11): Documentation provided; exception cleared. Reviewer Comment (2026-02-17): Received Article of incorporation, please provide operating agreement to confirm the ownership of the business. Exception remains. Seller Comment (2026-02-14): please refer to the business entity listing to confirm officers Seller Comment (2026-02-14): articles of incorporation and [Redacted] Reviewer Comment (2026-02-02): Received business entity listing, please provide operating agreement or any other document to confirm the ownership of the business. Exception remains. Seller Comment (2026-01-29): SE Business Verification Seller Comment (2026-01-29): SE |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30174 | 35628020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The Loan is at QM Risk due to missing income documentation. Missing Third Party Verification the business is [Redacted]% owned by the Borrower. | Reviewer Comment (2026-03-11): Documentation provided; exception cleared. |
03/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30174 | 35628027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The Loan is at QM Risk due to missing income documentation. Missing Third Party Verification the business is [Redacted]% owned by the Borrower. | Reviewer Comment (2026-03-11): Documentation provided; exception cleared. |
03/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | D | B | D | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30142 | 35617812 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-02-04): Provided title commitment with appropriate coverage Seller Comment (2026-02-02): TPOL |
02/04/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | B | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30142 | 35617883 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-02-05): [Redacted] Received COC dated [Redacted] along wIth CD. Seller Comment (2026-02-04): CD issued [Redacted] was uploaded on [Redacted]to this condition. Reviewer Comment (2026-02-03): [Redacted] received LOE and COC, however there is no CD dated [Redacted] available in file. Please provide CD dated [Redacted] to re-evaluate the exception. Seller Comment (2026-02-02): PC Reviewer Comment (2026-02-02): [Redacted] received COC dated [Redacted] for increase in loan amount but as per file the discount was increased on final CD dated [Redacted] from $[Redacted] to $[Redacted] and no COC was provided for the same. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs or cure would be required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Seller Comment (2026-01-31): CD |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | B | A | C | A | D | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30142 | 35627514 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. The Appraisal is dated more than 12 months prior to the note date. | Effective date shown on appraisal is [Redacted]. | Reviewer Comment (2026-02-06): Documentation provided; exception cleared. Seller Comment (2026-02-04): date corrected Seller Comment (2026-02-04): dated corrected |
02/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | B | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30142 | 35627525 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Appraisal in file has a Report date of [Redacted], but an effective date of [Redacted]. | Reviewer Comment (2026-02-06): Documentation provided; exception cleared. |
02/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | B | A | C | A | D | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30142 | 35752162 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Provide corrected CDA with effective date of [Redacted]. | Reviewer Comment (2026-03-05): Documentation provided; exception cleared. Seller Comment (2026-03-03): CDA Reviewer Comment (2026-02-11): The effective date on the CDA must match the effective date on the appraisal, exception remains. Seller Comment (2026-02-09): per guide, CDA is ordered once the appraisal report is received and determined a CDA is required. It would not have same date as appraisal. |
03/05/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | B | A | C | A | D | A | Non QM | Non QM | No | |||||||||||||||||||
| GCAT2026NQM30192 | 35616206 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Provide the deed transferring the property to the borrower and non-borrowers. Must be dated at or prior to closing. | Reviewer Comment (2026-01-06): Provided Warranty Deed Buyer Comment (2026-01-05): see attached deed |
01/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30192 | 35616208 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VVOE is dated post close. AUS requires a VVOE dated within [Redacted] days prior to closing. | Reviewer Comment (2025-12-17): Received and associated VVOE - Employment Only. Exception cleared. Buyer Comment (2025-12-16): There is a VVOE date [Redacted] & a WVOE dated [Redacted] - both documents are dated prior to close and within the specified time |
12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30192 | 35616209 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | VVOE is dated post close. AUS requires a VVOE dated within [Redacted] days prior to closing. | Reviewer Comment (2025-12-17): Received and associated VVOE - Employment Only. Exception cleared. Buyer Comment (2025-12-16): * Buyer Comment (2025-12-16): see [Redacted] |
12/17/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30192 | 35616210 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | VVOE is dated post close. AUS requires a VVOE dated within [Redacted] days prior to closing. | Reviewer Comment (2025-12-17): Received and associated VVOE - Employment Only. Exception cleared. Buyer Comment (2025-12-16): * Buyer Comment (2025-12-16): see [Redacted] |
12/17/2025 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30066 | 35626301 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Reviewer Comment (2026-02-04): Received and associated Divorce Decree / Child Support. Exception cleared. Seller Comment (2026-02-02): DD Seller Comment (2026-02-02): divorce decree |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026NQM30066 | 35626349 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Third Party verification of the Business within [Redacted] business days prior to the note date. Internet listing is not dated. | Reviewer Comment (2026-01-30): Received and associated Third Party Verification. Exception cleared. Seller Comment (2026-01-29): SE Seller Comment (2026-01-29): SE Ver |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30066 | 35626384 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-02-25): The final settlement statement was provided. Reviewer Comment (2026-02-24): Statement does not reflect disbursement date, exception remains. Seller Comment (2026-02-20): final statement to confirm loan funded [Redacted]. Seller Comment (2026-02-20): final settlement statement |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30066 | 35626394 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-01-30): Received and associated E-Sign Consent Agreement. Exception cleared. Seller Comment (2026-01-29): eConsent |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30066 | 35629917 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV/CLTV is [Redacted]%. Lender exception from [Redacted] in file, however missing lender exception from [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-18): The client elects to waive. Seller Comment (2026-01-31): Seller requests buyer review: please advise [Redacted] on exception approved |
02/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30066 | 35629918 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Max LTV/CLTV is [Redacted] %. Lender exception from [Redacted]in file, however missing lender exception from [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-18): The client elects to waive. Seller Comment (2026-01-31): Seller requests buyer review: please advise [Redacted] on exception approved |
02/18/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30066 | 35655298 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing third party verification of business dated within [Redacted] days prior to the Note date. | Reviewer Comment (2026-01-30): Received and associated Third Party Verification. Exception cleared. |
01/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30066 | 35655299 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Max LTV is [Redacted]%, lender exception in file. | Reviewer Comment (2026-01-30): Received and associated Third Party Verification. Exception cleared. |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30275 | 35654614 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to allow escrow waiver with [Redacted] months reserves. Approval in file. Review of assets shows calculated reserves of [Redacted] months. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-01-29): The Client elects to waive |
01/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30269 | 35653528 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [Redacted] DSCR score. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-29): The Client elects to waive |
01/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30313 | 35654818 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Lease agreement for [Redacted]rd floor unit was not provided. Tenant has no formal lease agreement. Lender exception for [Redacted] unit without formal lease agreement. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-30): Client elects to waive with verified compensation factors |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30313 | 35654850 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for [Redacted] unit with less than [Redacted] square feet. Unit [Redacted] is [Redacted] square feet. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-30): Client elects to waive with verified compensation factors |
01/30/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30270 | 35670724 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | Reviewer Comment (2026-02-09): Received and associated Flood Certificate. Exception cleared. Seller Comment (2026-02-06): See attached Flood Cert. Please clear. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30270 | 35670755 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | Reviewer Comment (2026-02-09): Received and associated Title Final. Exception cleared. Seller Comment (2026-02-06): See attached Final Title Policy. Please clear. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30270 | 35670763 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | Reviewer Comment (2026-02-09): Received and associated Purchase Agreement / Sales Contract. Exception cleared. Seller Comment (2026-02-06): See attached Purchase Agreement and Addendum. Please clear. |
02/09/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30348 | 35681331 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Gift funds of $[Redacted] were used to qualify per Gift Letter and Final Closing Disclosure. Gift letter was also in file in the amount of $[Redacted]. Evidence of the transfer of funds was not provided. | Reviewer Comment (2026-02-09): Received and associated Wire Confirmation for gift funds $[Redacted]. Exception cleared. Seller Comment (2026-02-05): Attached the attached Incoming Wire Transfer Notification dated [Redacted] confirms a wire in the amount of $[Redacted] was sent from [Redacted] directly to the settlement agent, [Redacted], for the subject property closing. This supports receipt and proper use of the gift funds as outlined in the executed gift letter. Although the wire is not reflected in AtClose, the third-party wire confirmation evidences the transfer to settlement. The documentation requirement has been satisfied. Please Clear. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30348 | 35681338 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted] . Gift funds of $[Redacted] were used to qualify per Gift Letter and Final Closing Disclosure. Gift letter was also in file in the amount of $[Redacted]. Evidence of the transfer of funds was not provided. | Reviewer Comment (2026-02-09): Received and associated Wire Confirmation for gift funds $[Redacted]. Exception cleared. Seller Comment (2026-02-05): Waterfall Finding to # [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30180 | 35653574 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available | Reviewer Comment (2026-03-12): [Redacted] received LOE. Reviewer Comment (2026-02-06): Unable to exclude CD on Doc [Redacted] which is missing Date Issued and is partially incomplete with page [Redacted] having blanks, BUT this disclosure was wet signed by borrowers on [Redacted] and cannot be excluded from testing. Would require a lender attestation giving at least the date this CD was issued to borrower for testing. Seller Comment (2026-02-05): Please note, any CD in file missing a CD issued date is from the settlement agent and only provided for purposes of disclosing title/escrow fees. Please waive. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Good Faith Redisclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677399 | Compliance | Compliance | Federal Compliance | Compliance | Closing Disclosure Missing Issue Date Material | Closing Disclosure with an estimated issue date of [Redacted] did not disclose an issue date. Unable to conclusively determine Final Closing Disclosure to use for fees due to missing Issue Date. Any applicable Federal, State or Local compliance testing may be unreliable. Closing Disclosure dated [Redacted] used to source fees for testing. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. Seller Comment (2026-03-10): proc cert Seller Comment (2026-03-10): pc Reviewer Comment (2026-02-06): Unable to exclude CD on Doc [Redacted] which is missing Date Issued and is partially incomplete with page [Redacted] having blanks, BUT this disclosure was wet signed by borrowers on [Redacted] and cannot be excluded from testing. Would require a lender attestation giving at least the date this CD was issued to borrower for testing. Seller Comment (2026-02-05): Please note, any CD in file missing a CD issued date is from the settlement agent and only provided for purposes of disclosing title/escrow fees. Please waive. Reviewer Comment (2026-01-29): CD [Redacted] issue date missing. Date input is borrower signature date. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30180 | 35677400 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Amount Financed. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677401 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the APR. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677402 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Broker | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677403 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose whether the loan will have an escrow account. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677404 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed -[Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. Reviewer Comment (2026-01-29): Incomplete CD. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677405 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] did not disclose an Estimated Taxes, Insurance, and Assessments payment. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677406 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Finance Charge. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677407 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677408 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan contains Negative Amortization. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677414 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on [Redacted] are underdisclosed. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. Reviewer Comment (2026-01-29): ncomplete CD. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677415 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Disclosures | Unable to determine if the Other Disclosures section of the Final Closing Disclosure provided on ([Redacted]) was completed as expected due to missing information. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677416 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677417 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Payment Frequency | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose the payment frequency. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677418 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] did not disclose the Principal and Interest Payment. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677419 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose Product. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation, Re-Disclose Correct Information | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677420 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected Payments Schedule | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted]did not contain a payment schedule. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677421 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677422 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Security Interest | Unable to determine if the Closing Disclosure provided on ([Redacted]) disclosed a security interest address that was materially different than the collateral address. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677423 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] did not disclose the Total of Payments. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677424 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose the Monthly Escrow Payment. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677425 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677426 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30180 | 35677437 | Compliance | Compliance | Federal Compliance | TRID | TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD | TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35677439 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): [Redacted] received LOE. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30180 | 35678298 | Compliance | Compliance | Miscellaneous Compliance | Compliance | TRID Error: Cash at settlement from or to borrower is blank. | - | Incomplete closing disclosure signed by borrower with signature date of [Redacted], based on signature date of the security instrument this is recognized as final closing disclosure. | Reviewer Comment (2026-03-12): Documentation provided; exception cleared. |
03/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30144 | 35689263 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for insufficient Non-warrantable condo reserves held by the HOA. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Lender exception in file. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30144 | 35689290 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for a Single entity ownership of the condo units is greater than [Redacted]%. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Lender exception in file. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30144 | 35689419 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for insufficient fidelity/crime insurance coverage by the HOA. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-02-02): Lender exception in file. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30144 | 35689538 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Insufficient documented reserves. Approval and 1008 show [Redacted] months reserves required. Borrower has another financed property which requires [Redacted] additional months. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-03-03): The client elects to waive. Seller Comment (2026-02-26): Exception approved to allow [Redacted] months of Reserves. Please waive Reviewer Comment (2026-02-23): Provided mortgage statement and note are for a different lien and borrower. However, as per the final 1003, the property lien account number is [Redacted], which can be cross-verified through the credit report and the mortgage statement under the borrower's name. Please provide the correct mortgage statement for the lien associated with account number [Redacted]. Exception Remains. Seller Comment (2026-02-19): The reserve discrepancy was based on treatment of [Redacted] as an additional financed property requiring [Redacted] additional months of PITIA reserves. Attached please find the Mortgage Statement and the Note for [Redacted]. The Note reflects [Redacted] as the sole borrower, and [Redacted] is not a borrower on the Note and is not personally obligated for the debt. Financed property count and reserve stacking are based on mortgage obligation, not deed ownership. As the borrower is not obligated on this mortgage, the additional [Redacted]-month reserve requirement does not apply. Please Clear. |
03/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026NQM30144 | 35689615 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at QM risk due to insufficient document reserves. Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Approval and 1008 show [Redacted] months reserves required. Borrower has another financed property which requires [Redacted] additional months. | Reviewer Comment (2026-03-03): The reserves exception was waived by the client and the loan is now [Redacted]. Seller Comment (2026-02-26): Waterfall Finding to # [Redacted]. Please waive Reviewer Comment (2026-02-24): [Redacted] on credit under borrower, exception remains. Seller Comment (2026-02-20): Waterfall Finding to # [Redacted] |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30144 | 35689616 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM risk due to insufficient document reserves. Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Approval and 1008 show [Redacted] months reserves required. Borrower has another financed property which requires [Redacted] additional months. | Reviewer Comment (2026-03-03): The reserves exception was waived by the client and the loan is now [Redacted]. Seller Comment (2026-02-26): Waterfall Finding to # [Redacted]. Please waive Reviewer Comment (2026-02-24): [Redacted] on credit under borrower, exception remains. Seller Comment (2026-02-20): Waterfall Finding to # [Redacted] |
03/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30242 | 35686085 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Please provide an executed copy of the deed transferring the property from [Redacted] to Borrowing entity. | Reviewer Comment (2026-02-17): Received and associated Quit Claim Deed. Exception Cleared. Seller Comment (2026-02-14): QCD |
02/17/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30242 | 35686317 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood cert reflects address of [Redacted]. Note Reflects [Redacted] | Reviewer Comment (2026-02-23): Documentation provided; exception cleared. Seller Comment (2026-02-19): updated flood cert Seller Comment (2026-02-19): updated |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30242 | 35704102 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing [Redacted] month housing history for subject. | Reviewer Comment (2026-02-23): Documentation provided; exception cleared. Seller Comment (2026-02-19): hist Seller Comment (2026-02-19): pmt hist |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30239 | 35688720 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-02-05): Client elects to waive |
02/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30221 | 35693512 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for Property removed from listing after app date is approved with a [Redacted] pricing hit in addition to standard LLPA's associated with the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-03): Lender exception in file. |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30333 | 35698519 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Blanket policy does not specify property address. Please provide confirmation of our [Redacted] unit being included in the blanket policy. | Reviewer Comment (2026-02-25): Documentation provided; exception cleared. Seller Comment (2026-02-23): Attached the Updated Policy. Please Clear. Reviewer Comment (2026-02-09): The ACORD/Master Policy does not contain the subject property address as required. Seller Comment (2026-02-06): Documentation supporting insurance coverage for the subject property at [Redacted] is included in the file. The HOA master policy is evidenced by the [Redacted] Certificate on page [Redacted] of [Redacted], and the borrower's H06 walls-in policy is documented on page [Redacted] of [Redacted], confirming a dwelling limit of $[Redacted] and loss of use coverage, with the full annual premium of $[Redacted] paid prior to closing. Additional email confirmation evidencing payment in full is reflected on page [Redacted] of [Redacted]. Mortgagee is listed appropriately. Insurance coverage requirements were met at the time of underwriting. Please Cancel. |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30112 | 35709154 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | Hazard does not list a mortgagee | Reviewer Comment (2026-02-16): Documentation provided; exception cleared. Seller Comment (2026-02-12): Reached out to get HOI and borrower informed me their attorney did a quitclaim deed to the [Redacted] name |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30112 | 35709164 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Insured on hazard insurance does not match vesting. Hazard reflects Name of Insured as [Redacted]. Vesting is in [Redacted] individual names. | Reviewer Comment (2026-02-18): Deed provided shows updated into entity name. Reviewer Comment (2026-02-16): Insurance still in [Redacted] name. Seller Comment (2026-02-12): ttached Seller Comment (2026-02-12): Reached out to get HOI and borrower informed me their attorney did a quitclaim deed to the [Redacted] name |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30156 | 35714326 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Borrower has claimed living rent-free on Final 1003 prior to subject property. DTI may not exceed [Redacted]% per guidelines. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico id [Redacted] points above guideline minimum, lender exception in file. | SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-24): exception |
02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30156 | 35714422 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower has claimed living Rent Free on the Final 1003. A signed and dated letter from the owner must be obtained stating the borrower is living rent-free and what the relationship is to the borrower per guidelines. |
Reviewer Comment (2026-02-11): Provided Rent free letter of explanation Seller Comment (2026-02-10): Attached |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30156 | 35714423 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR Risk due to calculated DTI exceeds guidelines. Calculated DTI of [Redacted]% exceeds maximum allowed of [Redacted]%. Borrower has claimed living rent-free on Final 1003 prior to subject property. DTI may not exceed [Redacted] % per guidelines. | Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-24): exception |
02/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | D | B | D | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30156 | 35714424 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | Calculated DTI of [Redacted]% exceeds maximum allowed of [Redacted]%. Borrower has claimed living rent-free on Final 1003 prior to subject property. DTI may not exceed [Redacted]% per guidelines. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico id [Redacted] points above guideline minimum, lender exception in file. | SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-24): exception |
02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30156 | 35714425 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to calculated DTI exceeds guidelines. Calculated DTI of [Redacted]% exceeds maximum allowed of [Redacted]%. Borrower has claimed living rent-free on Final 1003 prior to subject property. DTI may not exceed [Redacted]% per guidelines. | Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-24): exception |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30401 | 35717854 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-02-16): Received and associated Title Final Policy. Exception cleared. |
02/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30401 | 35720317 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender Exception for [Redacted] DSCR score with interest only is approved. The lower actual documented lease rents must be used for qualifying. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-05): Client elects to waive with verified compensation factors |
02/05/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30401 | 35733369 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted]and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-16): Received and associated Title Final Policy. Exception cleared. Seller Comment (2026-02-12): Attached the Final Title Policy showing the policy amount. Please Clear. |
02/16/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30253 | 35731713 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] not permitted with [Redacted] unit dwelling, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income [Redacted] months reserves DTI is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-06): Lender exception in file. |
02/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026NQM30028 | 35751660 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the fraud report, the borrower owns the primary residence free and clear vs. rents. However, the borrower notes they rent in a beachside vacation community but this conflicts with the fraud report. If the borrower does rent, then provide the [Redacted] month VOR. | Reviewer Comment (2026-02-25): [Redacted] months of canceled checks were provided. Reviewer Comment (2026-02-24): Provide the vor or lease to go along with the monthly payments to verify that is what these are for. Seller Comment (2026-02-20): VOR |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30021 | 35724964 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four business days prior to closing. | Reviewer Comment (2026-02-13): [Redacted] Received LOE and disclosure showing LE dated [Redacted] were never disclosed to the borrower. Seller Comment (2026-02-12): Attached |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30021 | 35724965 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four business days prior to closing. | Reviewer Comment (2026-02-13): [Redacted] Received LOE and disclosure showing LE dated [Redacted] were never disclosed to the borrower. Seller Comment (2026-02-12): Attached |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30047 | 35724762 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-04): Sufficient Cure Provided At Closing |
02/04/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30047 | 35734189 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): The client elects to waive. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30164 | 35733570 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30110 | 35734736 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-02-16): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-02-12): Attached |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30245 | 35763252 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Unable to verify housing payment history. Borrower pays cash. Lender exception for unverifiable housing payment. Approval in file. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-10): Lender exception in file. |
02/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30175 | 35763502 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Solar Panel. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Solar Panel. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Fee appears in wrong section of the Final Closing Disclosure. | Reviewer Comment (2026-02-27): [Redacted] Received Corrected PCCD and LOE. Seller Comment (2026-02-26): PCCD |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30175 | 35763503 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Allotment. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Water Allotment. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Fee appears in wrong section of the Final Closing Disclosure. | Reviewer Comment (2026-02-27): [Redacted] Received Corrected PCCD and LOE. Seller Comment (2026-02-26): PCCD |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30175 | 35764253 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower had a private landlord. Cancelled checks/Bank statements documenting most recent [Redacted] months of payments was not provided. | Reviewer Comment (2026-03-23): Received and associated Pay History. Exception Cleared. Seller Comment (2026-03-19): rental history |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30027 | 35757276 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-16): Client accepts as is. Seller Comment (2026-02-12): [Redacted] accept please waive |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30083 | 35758695 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided | Reviewer Comment (2026-03-23): A LOE from the borrower stating the child support payment is voluntary was provided. Reviewer Comment (2026-03-23): Please provide supporting documentation regarding the child support payment of $[Redacted]. Reviewer Comment (2026-03-04): Please provide the divorce decree. Reviewer Comment (2026-03-02): Per the guidelines ' [Redacted] may choose to reduce the borrower's qualifying income by the alimony amount instead of counting it as a monthly debt in the debt-to-income (DTI) calculation. If this option is used, documentation such as a divorce decree, separation agreement, court order, or similar legal proof must be included in the loan file. The monthly payment is used as child support please provide divorce decree, separation agreement, or any other written legal agreement to verify the monthly child support. Exception Remains. Seller Comment (2026-02-26): Per [Redacted] guideline, child support documentation is not required since it is being counted as a monthly debt in DTI calculation, section [Redacted]. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30083 | 35771260 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-10): Sufficient Cure Provided At Closing |
02/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30051 | 35759608 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a non lender to lender refinance | Reviewer Comment (2026-02-26): Docs provided. Seller Comment (2026-02-24): ATTACHED |
02/26/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30136 | 35760805 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] | Reviewer Comment (2026-04-13): Client elects to waive. Seller Comment (2026-04-09): Lender accepts the [Redacted] and wishes to waive Reviewer Comment (2026-02-24): Provide corrected prelim title or final title. Seller Comment (2026-02-20): please see settlement statement that shows title policy to be issued with coverage amount of $[Redacted]. Seller Comment (2026-02-20): settlement statement |
04/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30057 | 35796417 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Security Agreement in file did not include the Prepayment Rider as an attachment. Please provide a corrected Security Agreement. | Reviewer Comment (2026-03-20): Documentation provided; exception cleared. Seller Comment (2026-03-18): affidavit recorded Reviewer Comment (2026-03-02): Provide the corrected security instrument that has the [Redacted] rider checked as it is required and is not shows on SI. Seller Comment (2026-02-26): pp rider Seller Comment (2026-02-26): rider |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30432 | 35761485 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Credit report is [Redacted] days from application date. Lender approval in file. Missing lender exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-06): Lender exception in file. |
04/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30432 | 35770282 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Unit #[Redacted] is under [Redacted] Square Feet Gross Living Area. Lender approval in file. Missing lender exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-06): Lender exception in file. |
04/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30432 | 35770540 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Appraisal with report date [Redacted] shows [Redacted] rental Units of subject property as tenant occupied. Lease agreements for each unit were not provided. | Reviewer Comment (2026-02-24): Documentation provided; exception cleared. Seller Comment (2026-02-20): see subject rent schedule from appraisal (used for gross rent amount) Seller Comment (2026-02-20): form 1025 |
02/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30319 | 35772897 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing updated verification showing monthly HOA expense of $[Redacted] per month. | Reviewer Comment (2026-03-04): Received and associated updated 1003. Exception cleared. Seller Comment (2026-03-02): Updated Final 1003 and Form 1008 have been uploaded reflecting the correct HOA amount of $[Redacted] per the appraisal (pg. [Redacted]). The prior $[Redacted] amount was incorrect. Housing expense and qualifying ratios have been updated accordingly and are consistent throughout the file. Please Clear. Reviewer Comment (2026-02-26): As per the final 1003 and 1008, the HOA fee is reflected as $[Redacted]. Please provide an updated HOA Verification or revised 1003 and 1008 reflecting the correct HOA amount. Exception remains. Seller Comment (2026-02-24): Per appraisal located on page [Redacted] HOA fee is $[Redacted] monthly and should not be $[Redacted]. Please clear. |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30139 | 35772039 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification not provided. | Reviewer Comment (2026-02-19): Received and associated HOA Document. Exception cleared. Seller Comment (2026-02-17): ATTACHED |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30023 | 35789875 | Compliance | Compliance | State Compliance | Misc. State Level | [Redacted] Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | [Redacted] Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Reviewer Comment (2026-02-26): Received and associated [Redacted] - Acknowledgment of Receipt of Home Mortgage Loan Information Document. Exception cleared. Seller Comment (2026-02-24): ATTACHED |
02/26/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30023 | 35789876 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. | Reviewer Comment (2026-02-27): [Redacted]received SSPL. |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30023 | 35789877 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] . $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-27): [Redacted] received SSPL and the fee are within tolernace limit. Seller Comment (2026-02-26): title fees were shopped and now subject to [Redacted] tolerance |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30023 | 35790027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to insufficient reserves. Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. A $[Redacted] Earnest Money Deposit was not sourced. | Reviewer Comment (2026-02-26): Received and associated Source of Funds/Deposit for EMD$[Redacted]. Exception cleared. Seller Comment (2026-02-24): Evidence of EMD |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30023 | 35790028 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to insufficient reserves. Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. A $[Redacted] Earnest Money Deposit was not sourced. | Reviewer Comment (2026-02-26): Received and associated Source of Funds/Deposit for EMD$[Redacted]. Exception cleared. Seller Comment (2026-02-24): Evidence of EMD Seller Comment (2026-02-24): EMD |
02/26/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30023 | 35790041 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. A $[Redacted] Earnest Money Deposit was not sourced. | Reviewer Comment (2026-02-26): Received and associated Source of Funds/Deposit for EMD$[Redacted]. Exception cleared. Seller Comment (2026-02-24): EMD |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30023 | 35797120 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception to allow Escrow holdback on New Construction. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
LTV is [Redacted]% below guideline max. | SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-02-19): Lender exception in file. Seller Comment (2026-02-17): Please clear |
02/19/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30238 | 35787706 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-02-20): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2026-02-19): ATTACHED Reviewer Comment (2026-02-19): [Redacted] received PCCD, however missing copy of refund check. Also, LOE and proof of mailing provided are not legible copy as it is partially cut off. Please provide LOE, proof of mailing & copy of refund check to cure the exception. Seller Comment (2026-02-17): ATTACHED |
02/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30238 | 35787776 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception due to [Redacted] Overdrafts in the past [Redacted] months with guidelines only allowing [Redacted]. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-12): The client elects to waive. |
02/12/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30238 | 35855496 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-02-20): Sufficient Cure Provided within [Redacted] Days of Closing |
02/20/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | C | B | B | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||||||||
| GCAT2026NQM30152 | 35791478 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-03-09): Client elects to waive. Reviewer Comment (2026-03-05): Provide updated commitment or final title. Seller Comment (2026-03-03): title policy amount to be updated Seller Comment (2026-03-03): email |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30152 | 35791479 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Business Narrative was not provided. | Reviewer Comment (2026-03-02): Received and associated Business Narrative. Exception cleared. Seller Comment (2026-02-26): [Redacted] |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30152 | 35791542 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at QM Risk due to missing income documentation. Business Narrative was not provided. | Reviewer Comment (2026-03-02): Received and associated Business Narrative. Exception cleared. |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30152 | 35791543 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Product Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in loan product and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Loan product was blank on the Closing Disclosure. | Reviewer Comment (2026-03-04): [Redacted] received LOE Seller Comment (2026-03-03): seller cert Seller Comment (2026-03-03): pc |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30152 | 35791547 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at QM Risk due to missing income documentation. Business Narrative was not provided. | Reviewer Comment (2026-03-02): Received and associated Business Narrative. Exception cleared. |
03/02/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30152 | 35791548 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. | Closing Disclosure estimated to be provided on [Redacted] did not disclose the actual Date Issued. | Reviewer Comment (2026-03-04): [Redacted] received LOE. Seller Comment (2026-03-03): seller cert Seller Comment (2026-03-03): PC |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Good Faith Redisclosure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30152 | 35791549 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Warranty. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Home Warranty. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-03-04): [Redacted] received Post CD and LOX. Seller Comment (2026-03-03): lox Reviewer Comment (2026-03-02): [Redacted] received corrected PCCD but missing LOE to borrower to accompanying CD. Seller Comment (2026-02-26): Home warranty fee is not a zero tolerance fee, it was disclosed on the wrong section. PCCD to correct is attached. Fee should be in the no tolerance category. Seller Comment (2026-02-26): PCCD |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30053 | 35789639 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing Initial Closing Disclosure | Reviewer Comment (2026-02-19): [Redacted] received CD dated [Redacted] Seller Comment (2026-02-17): ATTACHED |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30053 | 35789640 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30080 | 35791308 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for Guidelines state DSCR ratio to be at [Redacted]. Asking to proceed with [Redacted] . Approval in file. Based on documentation provided the DSCR ration is [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-13): The Client elects to waive |
02/13/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30039 | 35791373 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is for Multiple Loans to the Same Borrower-the aggregate total of all loans may not exceed $[Redacted] . [Redacted] loans in process totaling $[Redacted] all located in the same PUD. All slated for E-32. Approval in file. | Reviewer Comment (2026-03-10): Documentation provided; exception cleared. Seller Comment (2026-03-06): ATTACHED Reviewer Comment (2026-03-05): Provide processor cert that verifies exception no longer needed. |
03/10/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30039 | 35791397 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-03-02): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-02-27): ATTACHED |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30163 | 35795970 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-02-11): Sufficient Cure Provided within [Redacted]Days of Closing |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30163 | 35795971 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower. | Reviewer Comment (2026-02-11): Sufficient Cure Provided within [Redacted] Days of Closing |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30182 | 35773174 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | The file was missing a copy of the Final 1003 | Reviewer Comment (2025-12-12): Received and associated 1003 Final. Exception Cleared Buyer Comment (2025-12-10): see attached 1003 |
12/12/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30182 | 35893372 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower minimum contribution not met, post close lender exception provided. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
$[Redacted] residual income. | Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-24): Post close lender exception provided. |
02/24/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | A | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| GCAT2026NQM30197 | 35773181 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-07): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Buyer Comment (2026-01-06): See docs provided Reviewer Comment (2025-12-12): [Redacted] is unable to determine from the file whether the lender or title company requried the survey. If the lender required the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2025-12-11): Per lender: The survey fee is not a zero-tolerance fee and was disclosed on the initial CD sent to the borrower so I'm not sure why this is an issue for this transaction. |
01/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30197 | 35773182 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide [Redacted] months cancelled checks and lease agreement for current primary rent. | Reviewer Comment (2026-01-14): Documentation provided, exception cleared. Buyer Comment (2026-01-12): See docs provided Reviewer Comment (2025-12-12): Per guidelines, private party VOM/VOR and proof of electronic transfer such as [Redacted] months cancelled checks, bank statements, or pay histories (Zelle, Venmo, etc) that clearly document the payment history for the most recent [Redacted] months. Buyer Comment (2025-12-10): see attached VOR |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30311 | 35773186 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | QM risk due to adding [Redacted]% pmt for unpaid collection/chargeoff for [Redacted] and [Redacted] Funding | Reviewer Comment (2026-01-20): Documentation provided; exception cleared. Buyer Comment (2026-01-15): [Redacted] payoff shows [Redacted] payment of [Redacted] due Buyer Comment (2026-01-15): [Redacted] payment [Redacted] Buyer Comment (2026-01-15): front check l[Redacted] payment Buyer Comment (2026-01-15): back [Redacted] check for [Redacted] |
01/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30311 | 35773187 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DTI exceeds guidliens based on adding [Redacted]% pmt for unpaid collection/chargeoff for [Redacted] and [Redacted] Funding | Reviewer Comment (2026-01-20): Documentation provided; exception cleared. Buyer Comment (2026-01-15): see [Redacted] & [Redacted] |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30311 | 35773188 | Compliance | Compliance | State Compliance | Compliance | [Redacted]Home Loan - Loan Does Not Qualify for Safe Harbor/Exemption from [Redacted] Borrower Interest Requirement | [Redacted] Home Loan: Mortgage loan does not qualify under Borrower's Interest Safe Harbor for anti-flipping provisions. | Reviewer Comment (2026-01-20): Documentation provided; exception cleared. |
01/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30311 | 35773189 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds guidelines based on adding [Redacted]% pmt for unpaid collection/chargeoff for [Redacted] and [Redacted] Funding | Reviewer Comment (2026-01-20): Documentation provided; exception cleared. Buyer Comment (2026-01-15): see [Redacted]& [Redacted] Reviewer Comment (2026-01-09): The provided document is not legible. Kindly provide payoff statements for the following Collection/Charge-Off accounts of Capital One (Account ending in [Redacted]) with a balance of $[Redacted] and [Redacted] Funding (Account ending in [Redacted]) with a balance of $[Redacted]. Exception remains. Buyer Comment (2026-01-07): see attached docs |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30311 | 35773190 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM Risk due to DTI exceeding guidelines | Reviewer Comment (2026-01-20): Documentation provided; exception cleared. Buyer Comment (2026-01-15): see [Redacted]& [Redacted] |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30311 | 35773191 | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | - | Collections [Redacted] $[Redacted] and [Redacted] Funding $[Redacted] have not been paid causing the DTI to exceed guidelines | Reviewer Comment (2026-01-20): Documentation provided; exception cleared. Buyer Comment (2026-01-15): payment form trust acct Buyer Comment (2026-01-15): satisfaction letter Buyer Comment (2026-01-15): proof of payment arrangement for capital one in the amount of ([Redacted]) $[Redacted] dated [Redacted], proof payment from trust acct for $v, and satisfaction letter from collection atty for Capital One acct stating funds remitted and debt satisfied. Reviewer Comment (2026-01-06): Docs provided show borrower paid $[Redacted] of the $[Redacted] owed to [Redacted]Funding, no add'l documentation provided, exception remains. Buyer Comment (2026-01-02): see attached documentation. should resolve DTI exceptions once cleared |
01/20/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30169 | 35773195 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | Final 1003 dec questions state Yes will occupy as primary residence. REO section of 1003 only lists subject property as primary residence. Occupancy cert reflects [Redacted] home, [Redacted] home rider with Security Agreement. | Reviewer Comment (2025-12-19): Documentation provided; exception cleared Buyer Comment (2025-12-17): See docs provided |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30169 | 35773196 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not Tested As Primary | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of [Redacted]). Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence. | Final 1003 dec questions state Yes will occupy as primary residence. REO section of 1003 only lists subject property as primary residence. Occupancy cert reflects [Redacted] home, [Redacted] home rider with Security Agreement. | Reviewer Comment (2025-12-19): Documentation provided; exception cleared |
12/19/2025 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30184 | 35773266 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee was last disclosed as $[Redacted] on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | Reviewer Comment (2026-01-08): [Redacted] received COC dated [Redacted]. Buyer Comment (2026-01-07): COC |
01/08/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30184 | 35773267 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
$[Redacted] residual income. | SitusAMC Originator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-23): Post close lender exception in file. Buyer Comment (2026-01-21): see attached exception approval Reviewer Comment (2026-01-09): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Reviewer Comment (2026-01-09): Life Insurance Value has been added. However, the calculated PITIA reserve of [Redacted] months is below the guideline requirement of [Redacted] months. Please provide additional assets to meet the reserve requirement. Exception remains. Buyer Comment (2026-01-07): reserves |
01/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30184 | 35773268 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation discrepancy due to the reserve shortage. | Reviewer Comment (2026-01-23): Post close lender exception provided. Buyer Comment (2026-01-21): see [Redacted] Reviewer Comment (2026-01-09): Borrower is still short reserves. [Redacted] months verified, [Redacted] months required. Buyer Comment (2026-01-07): See Loan Exception ID [Redacted] there are two Life Insurancev and [Redacted] |
01/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30184 | 35773269 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Waterfall finding due to the reserve shortage. | Reviewer Comment (2026-01-23): Post close lender exception provided. Buyer Comment (2026-01-21): see [Redacted] Reviewer Comment (2026-01-09): Borrower is still short reserves. [Redacted] months verified, [Redacted] months required. Buyer Comment (2026-01-07): See Loan Exception ID [Redacted]there are two Life Insurance [Redacted] and [Redacted] |
01/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30168 | 35773280 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account | Reviewer Comment (2026-01-21): Exception cured prior to discovery. Reviewer Comment (2026-01-20): [Redacted] received Post CD and LOX. However, the Post CD provided is not updated with "will not have an escrow account box checked "on page [Redacted]. Kindly provide updated Post CD along with LOX in order to cure the exception. Buyer Comment (2026-01-16): LOE to borrower [Redacted] Reviewer Comment (2026-01-15): [Redacted] received corrected PCCD but LOE to borrower is missing. Please provide LOE to accompanying CD. Buyer Comment (2026-01-14): docs uploaded |
01/21/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30168 | 35773281 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-01-15): [Redacted] received COC dated [Redacted]. |
01/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30168 | 35773282 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Reviewer Comment (2026-01-26): Documentation provided; exception cleared. Buyer Comment (2026-01-22): doc uploaded |
01/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30195 | 35773343 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-01-14): Received and associated Business Purpose Certificate. Exception cleared. Buyer Comment (2026-01-13): See attached Business Purpose document |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30265 | 35773346 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided | Missing documentation reflecting property tax amounts for subject property. | Reviewer Comment (2026-01-14): Client calculated and provided in exception. Buyer Comment (2026-01-12): [Redacted] rate is [Redacted]% ([Redacted] * [Redacted]) / [Redacted]= $[Redacted]/mo- [Redacted] Rate is the amount of tax payable per dollar of the assessed value of a property. As such, to use it in the equation and calculator below, the value must first be converted into a decimal format by dividing the [Redacted] Rate by[Redacted] Reviewer Comment (2026-01-11): Received HOA information, however unable to determine the exact tax amount. Please provide the tax certificate showing $[Redacted] annually reported on final 1003. Exception remains. Buyer Comment (2026-01-08): taxes |
01/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30173 | 35773348 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Per the appraisal, the subject is tenant occupied, lease not provided. | Reviewer Comment (2026-01-26): LOE from borrower provided, exception cleared. Reviewer Comment (2026-01-22): Received LOX, both the vacancy and rental explanation letter does not have the address. Please provide the LOX with the property address. Exception remains. Buyer Comment (2026-01-21): See additional explanation provided Buyer Comment (2026-01-20): see attached LOX Reviewer Comment (2026-01-08): The received letter does not include the property address. However, as per the appraisal, the subject property is tenant-occupied. Please Provide Lease Agreement. Exception remains Buyer Comment (2026-01-06): LOX |
01/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30310 | 35773353 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-01-27): Received and associated 1003 Final. Exception cleared. Buyer Comment (2026-01-23): 1003 |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30102 | 35823795 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted] .No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-02-18): [Redacted] received COC, lender exception and email log for change in pricing. Seller Comment (2026-02-17): The change was due to the adjustment for the exception that was approved on [Redacted] - see lock and exception attached to support this Seller Comment (2026-02-17): The change was due to the adjustment for the exception that was approved on[Redacted] - see lock and exception attached to support this |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30102 | 35831423 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for Business not officially registered less than [Redacted] year. Business registered [Redacted]. CPA letter provided states business operating since [Redacted]. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves DTI is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-17): Lender exception in file. |
02/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30054 | 35808553 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower reviewed as a First-Time Homebuyer. Unable to determine if Borrower has had a mortgage or ownership interest in a residential property in the past [Redacted] years. First Time Homebuyer's are ineligible | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): The client elects to waive. Seller Comment (2026-03-20): ATTACHED |
03/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30391 | 35805461 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for 'vesting in an LLC with [Redacted] owners is approved'. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-16): Client elects to waive with verified compensation factors |
02/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30390 | 35814517 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| GCAT2026NQM30390 | 35814518 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30390 | 35814519 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recording Fee Total. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30390 | 35814564 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Using ADU rental income from our subject property on a cash out transaction, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
$[Redacted] residual income LTV/CLTV is [Redacted]% below guideline max. |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-17): Lender exception in file. |
02/17/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30138 | 35805343 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for deposit seasoning less than [Redacted] days old. Borrower wired funds from their Foreign [Redacted] account to their [Redacted] [Redacted] account to be used for cash to close and reserves. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-19): Lender exception in file. Seller Comment (2026-02-17): ATTACHED |
02/19/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30138 | 35826015 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Unusually large deposits in bank accounts being used to qualify may require a letter of explanation or evidence they are business related. LOE from lender states $[Redacted] is from borrower's offshore account in [Redacted] but no documentation was provide and not seasoned 30 days. Lender exception in file. Must be approved by client. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-20): Lender exception in file. Reviewer Comment (2026-02-19): No new documentation provided for this exception. Seller Comment (2026-02-17): ATTACHED |
02/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30045 | 35811500 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-03-06): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-05): [Redacted] |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30045 | 35833139 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide evidence the primary residence on [Redacted] is free and clear. | Reviewer Comment (2026-03-09): Fraud reflects no loan on primary. Reviewer Comment (2026-03-06): Providing a fraud report alone is not sufficient. Please submit supporting documentation confirming that [Redacted] is free and clear. Exception remains. Seller Comment (2026-03-05): No loan per the [Redacted] report |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30060 | 35834320 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA: Unit reflects [Redacted] vs [Redacted]. | Reviewer Comment (2026-03-06): An updated CDA with the correct address was provided. Seller Comment (2026-03-04): Please see the revised CDA attached. Please let me know if you need anything else. Reviewer Comment (2026-02-23): CDA reflects unit [Redacted] Seller Comment (2026-02-19): please note that appraisal and note matches [Redacted] |
03/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30040 | 35831292 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing lender exception for unit [Redacted] being less than [Redacted] sq ft. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly mortgage payment has decreased by at least [Redacted]%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-02): Lender exception provided. Seller Comment (2026-02-26): approval Seller Comment (2026-02-26): email |
03/02/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30403 | 35825733 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Lender exception states [Redacted] months reserves approved, when [Redacted] months are required, however borrower only has [Redacted] months verified, | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-25): Exception approving [Redacted] months reserves where [Redacted] months were required is included in the file (Doc ID [Redacted]). Additionally, evidence of the $[Redacted] gift transfer is documented in the escrow receipt reflecting wire transfer of $[Redacted] ([Redacted] Page [Redacted]/ Doc ID [Redacted]). Reserves were calculated consistent with the approved [Redacted]-month exception. Requirement satisfied. Please Cancel. |
02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30403 | 35825894 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient assets for reserves and missing YTD income information. | Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-25): Waterfall Finding to # [Redacted]& [Redacted] |
02/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30403 | 35825895 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to insufficient reserves. Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Gift Funds of $[Redacted] were used to qualify. Evidence of the transfer of funds was not provided. Lender exception for [Redacted] Months reserves when [Redacted] are required. Also missing YTD income information. | Reviewer Comment (2026-02-27): Lender exception in file. Seller Comment (2026-02-25): Waterfall Finding to # [Redacted]& [Redacted] |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30403 | 35835161 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing YTD income information. | Reviewer Comment (2026-02-27): YTD income information was included in the initial package; however, a P&L statement for [Redacted] is required. Exception Remain. Seller Comment (2026-02-25): [Redacted] year-to-date income documentation is included in the file ([Redacted] Page [Redacted]/ Doc ID [Redacted]). The Income Details report reflects monthly commission income for calendar year [Redacted] through [Redacted], supporting income stability prior to the note date. This bridges the income period through the most recent full year prior to closing and aligns with the underwriting worksheet used to qualify. Requirement satisfied. Please Cancel. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30165 | 35834549 | Credit | Guideline | Guideline Issue | Guideline | Borrower is a first time home buyer and ineligible per guidelines. | - | Borrower is a first time homebuyer which is not allowed per guidelines. Lender exception in file. Client must approve. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-09): The client elects to waive. Seller Comment (2026-03-04): approval Seller Comment (2026-03-04): form Seller Comment (2026-03-04): I see there is an approved exception in file for a First Time Home Buyer - Is there anything else we are missing on this one? Reviewer Comment (2026-02-26): Required HELOC agreement the [Redacted]% owner provided the verification our borrower has access to the funds. Borrower is [Redacted]% owner of the [Redacted] that owns properties and therefore not considered a first-time homebuyer. Exception Remains Seller Comment (2026-02-24): Documentation was reviewed and approved by management. Per the documents provided, the HELOC was signed for by the [Redacted]% business owner and borrower is [Redacted]% business owner. This was a concurrent close with the same title company therefore the funds were transferred from the HELOC loan to our loan. The [Redacted]% owner provided the verification our borrower has access to the funds. Borrower is [Redacted]% owner of the [Redacted] that owns properties and therefore not considered a first-time homebuyer. Please let me know if you have any further questions Have a great day |
03/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30165 | 35834578 | Credit | Missing Document | General | Missing Document | Missing Document: HELOC Agreement not provided | Provide the HELOC agreement / Final CD for the source of funds for the property on [Redacted] used for closing/reserves. Corp Resolution provided for a business for assets to [Redacted] (borrower is [Redacted]% owner), however draft CD in file reflects an individual's name which is not the borrower's spouse. | Reviewer Comment (2026-03-16): Lender exception approved. Exception Cleared. Seller Comment (2026-03-13): Documentation in the file confirms the signer on the heloc loan is the other owner of the business. He also provided borrower access to the funds Seller Comment (2026-03-12): Documentation in the file confirms the signer on the heloc loan is the other owner of the business. He also provided borrower access to the funds Reviewer Comment (2026-02-26): Required HELOC agreement the [Redacted]% owner provided the verification our borrower has access to the funds. Borrower is [Redacted]% owner of the [Redacted] that owns properties and therefore not considered a first-time homebuyer. Exception Remains Seller Comment (2026-02-24): Documentation was reviewed and approved by management. Per the documents provided, the HELOC was signed for by the [Redacted]% business owner and borrower is [Redacted]% business owner. This was a concurrent close with the same title company therefore the funds were transferred from the HELOC loan to our loan. The [Redacted]% owner provided the verification our borrower has access to the funds. Borrower is [Redacted]% owner of the [Redacted] that owns properties and therefore not considered a first-time homebuyer. Please let me know if you have any further questions Have a great day |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30232 | 35808220 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Copy of Appraisal is not available in file. | Reviewer Comment (2026-01-23): Received and associated UCDP Submission Summary Report document with score #[Redacted]. Exception Cleared. Buyer Comment (2026-01-21): SSR score is [Redacted] Reviewer Comment (2026-01-16): Received Appraisal report. However, UCDP is not available therefore we are not able determine the risk score hence system is asking for the secondary valuation. Please provide the secondary valuation/UCDP submission summary. Also 1007 comparable rent schedule is required. Exception remains. Buyer Comment (2026-01-14): See appraisal provided |
01/23/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30232 | 35808221 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 | Copy of Appraisal is missing. Please provide the appraisal along with the 1007. | Reviewer Comment (2026-01-16): Received and associated appraisal report. Exception cleared. Buyer Comment (2026-01-14): See appraisal provided |
01/16/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30232 | 35808222 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. Missing Appraisal | Reviewer Comment (2026-01-16): Received and associated appraisal report. Exception cleared. Buyer Comment (2026-01-14): See appraisal provided |
01/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30232 | 35808223 | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided | The file is missing a copy of the 1007 Rent Comparison Schedule. | Reviewer Comment (2026-01-27): Received and associated 1007 Rent Comparison Schedule. Exception cleared. Buyer Comment (2026-01-23): See docs provided |
01/27/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | D | A | N/A | No | ||||||||||||||||||||||
| GCAT2026NQM30262 | 35808227 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Incorrect Appraisal Form type: Appraisal Form 1073/465 used for incorrect Subject property type. | - ___ | Mixed use Property. Per appraisal provided, Residential use on [Redacted] and [Redacted] floors, Commercial retail on ground floor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-01-14): The client elects to waive |
01/14/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30211 | 35808229 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted] . [Redacted] [Redacted] account #[Redacted] with funds of $[Redacted] was used to qualify per Final 1003. Unable to verify amount. An additional online statement appears to be in file but is unreadable. | Reviewer Comment (2026-01-20): Received and associated bank statement. Exception cleared. Buyer Comment (2026-01-16): See attached bank statements |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30211 | 35808230 | Credit | Missing Document | General | Missing Document | Missing Document: Trust Agreement (Asset) not provided | Reviewer Comment (2026-01-20): Received and associated Trust agreement. Exception cleared. Buyer Comment (2026-01-16): See attached bank statements Buyer Comment (2026-01-16): See attached Cert of Trust |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30211 | 35808231 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. [Redacted] [Redacted] account #[Redacted] with funds of $[Redacted] was used to qualify per Final 1003. Unable to verify amount. An additional online statement appears to be in file but is unreadable. | Reviewer Comment (2026-01-20): Received and associated bank statement. Exception cleared. |
01/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30201 | 35808232 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-01-19): Received and associated 1003 Final. Exception cleared. Buyer Comment (2026-01-15): Final 1003 |
01/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30201 | 35808233 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-01-20): Received and associated Note - Subject Lien. Exception Cleared Buyer Comment (2026-01-15): note |
01/20/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30201 | 35808234 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Provide the DOT + all applicable riders. | Reviewer Comment (2026-01-19): Received and associated security instrument and riders. Exception cleared. Buyer Comment (2026-01-15): DOT + all applicable riders. |
01/19/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30205 | 35808258 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Provide the full fraud report. Clearance report only in file. | Reviewer Comment (2026-01-27): Received and associated Full Fraud Report. Exception Cleared Buyer Comment (2026-01-26): See attached fraud report |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30263 | 35808261 | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal | Reviewer Comment (2026-01-30): Documentation provided; exception cleared. Buyer Comment (2026-01-28): [Redacted]appraisal |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | A | A | C | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30230 | 35808263 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for property being listed for sale within the last [Redacted] months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. |
SitusAMC SitusAMC |
Reviewer Comment (2026-01-27): The Client elects to waive |
01/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30273 | 35808264 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception to allow [Redacted]% LTV with a [Redacted] DSCR score is approved with a [Redacted] pricing hit in addition to standard LLPAs associated with the loan. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-27): The Client elects to waive |
01/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30254 | 35808269 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Preliminary in file. | Reviewer Comment (2026-02-06): Documentation provided; exception cleared. Buyer Comment (2026-02-04): Title Supp |
02/06/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | B | A | B | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30247 | 35808274 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Title Commitment or Preliminary title policy amount is blank. A Final policy was not provided. | Reviewer Comment (2026-02-05): Received and associated Title Commitment with policy amount$[Redacted]. Exception cleared. Buyer Comment (2026-02-04): title |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30216 | 35808284 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-02-06): Received and associated Business Purpose Certificate. Exception cleared. Buyer Comment (2026-02-05): completed cert Reviewer Comment (2026-02-05): The Business Purpose Certificate received does not display the borrower's name and the property address. Please provide an updated Business Purpose Certificate that includes borrower name and the property address. Exception remains. Buyer Comment (2026-02-04): See certificate provided Buyer Comment (2026-02-04): See docs provided |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30214 | 35808329 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Reviewer Comment (2026-01-13): Provided Rate lock agreement Buyer Comment (2026-01-09): See attached rate lock info |
01/13/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30214 | 35808332 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Combined High loan to value discrepancy. | Declining market per appraisal. [Redacted]% reduction per guidelines. lender exception not located in the file. | Reviewer Comment (2026-01-21): Client changed to Access program. Buyer Comment (2026-01-21): correction: program access alt income permits LTV to [Redacted]% based on file parameters. Buyer Comment (2026-01-20): see updated program lock confirmation to edge permitting max LTV [Redacted]% Reviewer Comment (2026-01-20): Appraisal indicates Declining market; [Redacted]% LTV reduction must be considered based on the guidelines. lender exception is not available in the file. Guideline requirement is not met. Exception remains. Buyer Comment (2026-01-15): updated lock |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30214 | 35808333 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Declining market per appraisal. [Redacted]% reduction per guidelines. lender exception not located in the file. | Reviewer Comment (2026-01-21): Client changed to Access program. Buyer Comment (2026-01-20): see [Redacted] Reviewer Comment (2026-01-20): Appraisal indicates Declining market; [Redacted]% LTV reduction must be considered based on the guidelines. lender exception is not available in the file. Guideline requirement is not met. Exception remains. Buyer Comment (2026-01-15): updated lock |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30214 | 35808334 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Declining market per appraisal. [Redacted]% reduction per guidelines. lender exception not located in the file. | Reviewer Comment (2026-01-21): Client changed to Access program. Buyer Comment (2026-01-20): see [Redacted] Reviewer Comment (2026-01-20): Appraisal indicates Declining market; [Redacted]% LTV reduction must be considered based on the guidelines. lender exception is not available in the file. Guideline requirement is not met. Exception remains. Buyer Comment (2026-01-15): updated lock |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | B | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30316 | 35808353 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | The file is missing a copy of the secondary valuation. | Reviewer Comment (2026-02-02): Provided UCDP reflecting CU score of [Redacted] Buyer Comment (2026-01-30): lender dispute |
02/02/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30316 | 35808355 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. Missing PCCD with correct disbursement date | Reviewer Comment (2026-01-30): Documentation provided; exception cleared. Buyer Comment (2026-01-28): docs uploaded |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30316 | 35808356 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender Exception in file for condo balcony repairs not yet completed is approved with a [Redacted] pricing hit in addition to standard LLPAs associated with the loan. | Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-20): The client elects to waive |
01/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | D | B | B | B | C | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30249 | 35808361 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-22): Sufficient Cure Provided At Closing |
01/22/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30249 | 35808364 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing CPA verification. | Reviewer Comment (2026-02-04): Received and associated CPA Verification. Exception cleared. Buyer Comment (2026-02-02): See docs provided Reviewer Comment (2026-02-02): Please provide the CPA verification with the license number and current status of the CPA. Exception remains. Buyer Comment (2026-01-29): doc uploaded |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30249 | 35808365 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-02-04): Received and associated CPA Verification. Exception cleared. Buyer Comment (2026-02-02): See docs provided Reviewer Comment (2026-02-02): Missing validity of cpa. Buyer Comment (2026-01-29): doc uploaded |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30249 | 35808366 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing CPA verification. | Reviewer Comment (2026-02-04): Received and associated CPA Verification. Exception cleared. Buyer Comment (2026-02-02): See docs provided Reviewer Comment (2026-02-02): Missing validity of cpa. Buyer Comment (2026-01-29): doc uploaded |
02/04/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30250 | 35808371 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | File did not include a copy of the HUD Mtg payoff for $[Redacted] | Reviewer Comment (2026-02-04): Documentation provided; exception cleared. Buyer Comment (2026-02-02): HUD Payoff |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30233 | 35808374 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Please provide documentation that Borrower is the owner of the Business. | Reviewer Comment (2026-02-09): Documentation provided; exception cleared. Reviewer Comment (2026-02-04): Please provide the operating agreement or any other business documents which shows the borrower's ownership of the business. Exception remains. Buyer Comment (2026-01-31): docs uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30233 | 35808375 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | QM Risk. Need proof of Borrower's ownership in the business | Reviewer Comment (2026-02-09): Documentation provided; exception cleared. |
02/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30233 | 35808376 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | QM Risk. Need proof of Borrower's ownership in the business | Reviewer Comment (2026-02-09): Documentation provided; exception cleared. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30224 | 35808412 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on [Redacted] did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Missing Lender NMLS ID on CD | Reviewer Comment (2026-01-30): [Redacted] received Letter of explanation and Corrected Closing disclosure. Buyer Comment (2026-01-29): See attached Buyer Comment (2026-01-29): See attached documents |
01/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30292 | 35808427 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing Third party documentation to verify business status within 30 Calendar days prior to the note date, the borrower's ownership percentage and length of ownership. Also, missing business narrative. | Reviewer Comment (2026-02-09): Received and associated CPA, Business Narrative and CPA verification. Exception cleared. Buyer Comment (2026-02-05): docs uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30292 | 35808428 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-02-09): Received and associated Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-02-05): DOCS UPLOADED |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026NQM30292 | 35808429 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing business narrative and third party documentation to verify business status within 30 Calendar days prior to the note date, the borrower's ownership percentage and length of ownership. | Reviewer Comment (2026-02-09): Received and associated CPA, Business Narrative and CPA verification. Exception cleared. |
02/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30292 | 35808430 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. | Missing business narrative and third party documentation to verify business status within 30 Calendar days prior to the note date, the borrower's ownership percentage and length of ownership. | Reviewer Comment (2026-02-09): Received and associated CPA, Business Narrative and CPA verification. Exception cleared. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30292 | 35808431 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing business narrative and third party documentation to verify business status within 30 Calendar days prior to the note date, the borrower's ownership percentage and length of ownership. | Reviewer Comment (2026-02-09): Received and associated CPA, Business Narrative and CPA verification. Exception cleared. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30292 | 35808433 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing business narrative and third party documentation to verify business status within 30 Calendar days prior to the note date, the borrower's ownership percentage and length of ownership. | Reviewer Comment (2026-02-09): Received and associated CPA, Business Narrative and CPA verification. Exception cleared. |
02/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30293 | 35808450 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for less than [Redacted] years in borrower's current business as an LLC. A [Redacted] exception pricing hit applies in addition to standard LLPA's associated with the loan. Per the CPA, the borrower's food services business was started in [Redacted] where she operated as a sole proprietorship. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income [Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-02): Lender exception in file. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30293 | 35808453 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception in file for [Redacted] acres. Max LTV [Redacted]% only. A [Redacted] exception pricing hit applies in addition to standard LLPA's associated with the loan. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income [Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-02): Lender exception in file. |
02/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30213 | 35808462 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. | Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed by the creditor. | Reviewer Comment (2026-02-05): Documentation provided; exception cleared. Buyer Comment (2026-02-03): executed by the creditor. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30213 | 35808463 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | [Redacted] Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed by the creditor. | Reviewer Comment (2026-02-05): Documentation provided; exception cleared. Buyer Comment (2026-02-03): executed by the creditor. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30296 | 35808481 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | Please provide proof that the Tax Lien # [Redacted] on title in favor of the State of Connecticut in the amount of $[Redacted] dtd [Redacted] and recorded in Volume [Redacted] at page [Redacted] of the [Redacted] Land Records has been satisfied. | Reviewer Comment (2026-02-10): Confirmation provided that final title will show lien omitted. Buyer Comment (2026-02-06): see attached documentation |
02/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30430 | 35820476 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-02-23): Documentation provided; exception cleared. Seller Comment (2026-02-19): updated commitment |
02/23/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30430 | 35833571 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-03-03): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-03-02): attached Seller Comment (2026-03-02): cert |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30126 | 35825077 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title policy amount is blank. A final policy was not provided. | Reviewer Comment (2026-02-24): Provided title with appropriate coverage Seller Comment (2026-02-24): updated policy attached Reviewer Comment (2026-02-20): Title report provided does not reflect the coverage amount Seller Comment (2026-02-19): title report |
02/24/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30014 | 35821391 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for multiple loans to the same Borrower - the aggregate total of all loans may not exceed $ [Redacted] m [Redacted] loans in process totaling $[Redacted] all located in the same PUD. All stated for E-32. All rate and term refis slated for E-32. Client must approve. | Reviewer Comment (2026-03-02): lender withdrew exception. Seller Comment (2026-02-27): Please see attached processor cert Reviewer Comment (2026-02-26): Do you have a copy of the withdrawn lender exception? Seller Comment (2026-02-24): The exception was no longer needed for the Pathy transactions. They are all cash out as they were paying off a blanket mortgage. Only [Redacted] loans closed with us, and they total $[Redacted] ( [Redacted]) All loans were redirected to [Redacted]. Reviewer Comment (2026-02-23): Missing lender exception from [Redacted]. Seller Comment (2026-02-19): dx Seller Comment (2026-02-19): request |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30014 | 35821398 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-02): Documentation provided; exception cleared. |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30014 | 35826049 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-02-27): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-02-27): Attached Seller Comment (2026-02-25): Attached is the certificate, I don't have a resolution and it was never asked for Reviewer Comment (2026-02-23): The business document received does not confirm the active status of the business.Required a Certificate of Good Standing that reflects an active status. Exception remains Seller Comment (2026-02-19): state documdnt |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30014 | 35834774 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. Blanket lien on title. Full amount not paid through closing. In addition. second lien on title and only one paid through closing. | Reviewer Comment (2026-03-02): Documentation provided; exception cleared. Seller Comment (2026-02-26): Final commitment Reviewer Comment (2026-02-23): Same title provided. Seller Comment (2026-02-19): Title report |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30462 | 35835217 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing 12 month pay history for current primary. | Reviewer Comment (2026-04-10): Documentation provided; exception cleared. Seller Comment (2026-04-08): See attached. Reviewer Comment (2026-04-08): The only month not accounted for is [Redacted]. Please provide proof of this payment and exception will be cleared. Seller Comment (2026-04-06): We provided bank statements showing the payments. The borrower didn't have access to the previous lender, [Redacted], website. The [Redacted] bank statement [Redacted], shows a copy of the check used for [Redacted] payment. The following pages (11 -22) show the payment/check from that account to the mortgage. Once it was transferred to [Redacted], we have the mortgage statements. I am attaching the docs again here. Reviewer Comment (2026-04-06): We have mortgage statements for [Redacted]. That is 5 months mortgage history provided. Can you please let us know specifically, what page the remaining documented payments are on in the file so we can clear? Seller Comment (2026-04-02): Per the LOE the borrower doesn't have access to [Redacted]. We provided his personal bank statement showing the payments to that mortgage. It was then transferred to [Redacted] [Redacted]. Will the payments from his account to Renasant not suffice? Reviewer Comment (2026-03-04): We do not have bank statements for [Redacted] for [Redacted]-[Redacted]. Seller Comment (2026-03-02): Can you please provide some clarification on what exactly you need? What I sent has payment history with bank statement/check from [Redacted] - [Redacted] for [Redacted]. This was transferred to [Redacted]. We provided mortgage statements showing payments until [Redacted]. I am unclear on what is needed. Reviewer Comment (2026-02-26): The same 6 months statements have been provided, missing the add'l 6 months to verify [Redacted] months housing history for current primary. Seller Comment (2026-02-23): will this suffice Reviewer Comment (2026-02-23): Unable to determine with bank statements, please highlight payments or provide VOM or credit supplement. Seller Comment (2026-02-19): 1) Personal bank sttamnt #[Redacted] for [Redacted] as that is account used for mortgage payments a. Check processed payments from [Redacted] [Redacted] to [Redacted] to [Redacted]. 2) Mortgage statements from [Redacted] showing all payments made from [Redacted] to [Redacted] |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30015 | 35820960 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for multiple loans to the same Borrower - the aggregate total of all loans may not exceed $ [Redacted] m [Redacted] loans in process totaling $[Redacted] all located in the same PUD. All stated for E-32. All rate and term refis slated for E-32. Client must approve. | Reviewer Comment (2026-03-05): Processor cert provided states exception no longer needed. Reviewer Comment (2026-03-03): Please provide an approval from the investor for the exception. Seller Comment (2026-02-27): Attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30015 | 35820964 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-09): Documentation provided; exception cleared. |
03/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30015 | 35835098 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-03-03): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-02-27): ATTACHED |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30015 | 35842767 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide the clear title policy. Blanket lien on title. Full amount not paid through closing. In addition. second lien on title and only one paid through closing. | Reviewer Comment (2026-03-09): Documentation provided; exception cleared. Seller Comment (2026-03-05): ATTACHED |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30071 | 35823180 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception requested for Borrower's business is showing inactive per [Redacted] look up dated [Redacted]. Business is active but information has not been updated by the State. Updated Secretary of State search dated [Redacted] shows Business as active. Client to approve. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV is [Redacted]% below guideline max. DTI is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-23): Lender exception in file. Seller Comment (2026-02-19): exception request Seller Comment (2026-02-19): exception approved |
02/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30071 | 35844800 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment (2026-02-23): Documentation provided; exception cleared. Seller Comment (2026-02-19): debt monitoring attached |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Cash-out - Other | D | B | D | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30049 | 35843800 | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided | Unusually large deposits in bank accounts being used to qualify may require a letter of explanation. $[Redacted] deposit on [Redacted] into account #[Redacted]. | Reviewer Comment (2026-02-27): Received the Letter of Explanation and the Buyout Agreement to verify the large deposit of $[Redacted]. Exception cleared. Seller Comment (2026-02-25): [Redacted] ([Redacted]) [Redacted] > send to investor lox signed Reviewer Comment (2026-02-23): Received the sales contract addendum for the large deposit of $[Redacted]. However, please provide a signed and dated Letter of Explanation for the large deposit in order to proceed. Exception remains. Seller Comment (2026-02-19): LOX for large deposits |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30089 | 35844243 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 | Estimated settlement statement only in file. Provide the final stamped settlement statement. | Reviewer Comment (2026-03-12): Documentation provided; exception cleared. Seller Comment (2026-03-10): final |
03/12/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30101 | 35842313 | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. | Appraisal provided states all [Redacted] units of subject property are tenant are occupied. Lease Agreements were not provided. | Reviewer Comment (2026-03-26): Documentation provided; exception cleared. Reviewer Comment (2026-03-25): Received the lease agreement and verified the rent amounts for Units 1, 2, and 4. However, a current lease agreement is required to verify the rent amount for Unit 3. Exception Remains Seller Comment (2026-03-24): leases Reviewer Comment (2026-03-17): Based on the guidelines 'On refinances, when the lease agreement is greater than the market rent from the 1007/1025, the lower of the lease agreement or [Redacted]% of the market rent may be used with 3 months current proof of receipt of the higher rental income. When the property is currently occupied by a tenant, an executed lease agreement. For month-to-month lease agreements, the most recent rental receipt must be documented'. The appraisal reflects that the property is tenant-occupied. To verify the rental income being used, please provide the current executed lease agreement. Exception Remains. Seller Comment (2026-03-14): Per guidelines, lease is not required. See section 702 that allows the rental amount from appraisal. |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30101 | 35842316 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-03-18): Documentation provided; exception cleared. Seller Comment (2026-03-16): updated title pol Seller Comment (2026-03-16): tpol |
03/18/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30225 | 35841807 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2025-12-12): Sufficient Cure Provided At Closing |
12/12/2025 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30225 | 35841808 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per LOE from CPA states he prepared the [Redacted] P&L's in file, however neither the LOE or the P&L's are signed and dated. What appears to be the [Redacted] P&L has no dates only reflects "all dates". Please provide corrected/signed LOE and P&L's. | Reviewer Comment (2026-01-26): Documentation provided; exception cleared. Buyer Comment (2026-01-22): See attached P&L |
01/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30114 | 35841897 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-01-30): Lender exception in file. Buyer Comment (2026-01-29): exception approved Buyer Comment (2026-01-29): latest overlay- does not require [Redacted] exception Reviewer Comment (2026-01-29): Missing lender exception from [Redacted] as well. Buyer Comment (2026-01-27): see attached exception Reviewer Comment (2026-01-20): Based on the guideline reserve requirement is '9 months PITIA or ITIA for the Loan amount above $[Redacted] up to $[Redacted] and [Redacted] months of each property's PITIA or ITIA for the Other real estate owned'. We have 2 other REO properties hence reserve requirement is not met. Please provide the additional asset documents to cover the reserve requirement. Exception remains. Buyer Comment (2026-01-15): lender doc |
01/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30114 | 35841898 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | Calculated investor qualifying total debt ratio of [Redacted]% exceeds Guideline total debt ratio of [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-02-12): Post close lender exception provided. Buyer Comment (2026-02-09): see [Redacted] Reviewer Comment (2026-02-04): Received 1008 however DTI calculation is still exceeding [Redacted]% our DTI calculation is [Redacted]%. Both are more than the guideline required DTI [Redacted]%, Exception remains. Buyer Comment (2026-01-31): docs uploaded |
02/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30114 | 35841899 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to use borrower prepared P&L. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-01-08): Lender exception in file. |
01/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30114 | 35841900 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated DTI exceeds [Redacted]%. | Reviewer Comment (2026-02-12): Post close lender exception provided. Buyer Comment (2026-02-09): see attached exception Reviewer Comment (2026-01-30): Missing lender exception for DTI. Buyer Comment (2026-01-29): exception approved |
02/12/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30114 | 35841901 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated DTI exceeds [Redacted]%. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. |
$[Redacted] residual income | SitusAMC SitusAMC Originator,SitusAMC SitusAMC |
Reviewer Comment (2026-02-12): Post close lender exception provided. Buyer Comment (2026-02-10): See attached exception Buyer Comment (2026-02-09): see [Redacted] Reviewer Comment (2026-01-30): Missing lender exception for DTI. Buyer Comment (2026-01-29): exception approved |
02/12/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30114 | 35841902 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated DTI exceeds [Redacted]%. | Reviewer Comment (2026-02-12): Post close lender exception provided. Buyer Comment (2026-02-09): see [Redacted] Reviewer Comment (2026-01-30): Missing lender exception for DTI. Buyer Comment (2026-01-29): exception approved |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30143 | 35841943 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-01-30): Documentation provided; exception cleared. Buyer Comment (2026-01-28): see attached title |
01/30/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30143 | 35841947 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | insufficient assets verified to meet reserve requirement. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] residual income LTV/CLTV is [Redacted]% below guideline max. DTI is [Redacted]% below guideline max. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-16): Post close lender exception provided. Buyer Comment (2026-02-11): see attached exception approved Reviewer Comment (2026-02-09): Gift funds cannot be considered for reserves. Based on the guideline 'Loan Amount < $[Redacted]: [Redacted] months of PITIA' is required. Please provide the asset documentation to meet the reserve requirement. Exception remains. Buyer Comment (2026-02-05): lender believes they met the 6 mth requirement- 1003/1008 attached. Buyer Comment (2026-02-05): lender believes they met the [Redacted] mth requirement- 1003/1008 attached. Reviewer Comment (2026-02-02): Based on the guideline 'Loan Amount < $1.[Redacted]: [Redacted] months of PITIA' is required. Please provide the asset documentation to meet the reserve requirement. Exception remains. Buyer Comment (2026-01-29): doc uploaded |
02/16/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30143 | 35841948 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Required additional bank statement to meet reserve requirement. | Reviewer Comment (2026-02-16): A post close lender exception was provided to allow gift funds as reserves. |
02/16/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30143 | 35841949 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Required additional bank statement to meet reserve requirement. | Reviewer Comment (2026-02-16): A post close lender exception was provided to allow gift funds as reserves. |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30143 | 35841950 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. | - ___ | Document review fee has no payee | Reviewer Comment (2026-02-05): Documentation provided; exception cleared. Buyer Comment (2026-02-03): see attached PCCD |
02/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30143 | 35841951 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per guidelines, for alt income, for business open less than [Redacted] years, [Redacted] fico score is required. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] residual income LTV/CLTV is [Redacted]% below guideline max. DTI is [Redacted]% below guideline max. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-01-30): Post close lender exception provided. Buyer Comment (2026-01-28): see attached exception |
01/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026NQM30081 | 35841953 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification of the existence of the business within [Redacted] calendar days prior to the note date. | Reviewer Comment (2026-02-09): Third-party verification of the existence of the business was provided. Buyer Comment (2026-02-06): [Redacted] |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30081 | 35841954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR Risk due to missing income documentation. Missing third party verification of the existence of the business within [Redacted] calendar days prior to the note date. | Reviewer Comment (2026-02-09): Third-party verification of the existence of the business was provided. Buyer Comment (2026-02-06): [Redacted] |
02/09/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30081 | 35841955 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to missing income documentation. Missing third party verification of the existence of the business within [Redacted] calendar days prior to the note date. | Reviewer Comment (2026-02-09): Third-party verification of the existence of the business was provided. Buyer Comment (2026-02-06): see [Redacted] Buyer Comment (2026-02-06): Doc uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30081 | 35841958 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-10): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-09): tracking confirmation uploaded showing in transit Reviewer Comment (2026-02-09): [Redacted] received corrected PCCD, LOE, Copy of refund check and shipping label. However, [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-02-05): see attached cure docs Reviewer Comment (2026-01-30): [Redacted] is unable to determine from the file whether the lender or title company required the survey. If the lender required, the survey fee then a cure is due to the borrower. If the borrower-chosen service provider further outsourced the Survey Fee, an attestation from the seller is needed. The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Also, provide corrected PCCD and LOE moving the survey fee on sec H of CD. Buyer Comment (2026-01-29): docs |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30178 | 35841966 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Reviewer Comment (2026-01-26): [Redacted] received earliest receipt of final LE. Buyer Comment (2026-01-23): See docs provided - also, please see 1003/1008 with new undisclosed debt of [Redacted] for $[Redacted]/month. Please include it in the debts for this file as it should have been included from the beginning once found on [Redacted]. Thanks |
01/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30178 | 35841967 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Loan is the refinance of Borrower's primary residence, this property is listed as primary residence on the REO section of the 1003. Current address of Final 1003 reflects "No primary housing expense". Borrower is on title to this property. Please provide a corrected 1003 to reflect "Own" on the 1st page of the 1003 | Reviewer Comment (2026-01-22): Received and associated corrected 1003 current address is showing 'Own'. Exception cleared. Buyer Comment (2026-01-21): See updated 1003 |
01/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30178 | 35841968 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Reviewer Comment (2026-02-03): Cure documentation received. Buyer Comment (2026-02-03): see attached |
02/03/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30394 | 35841992 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Client exception for multiple rescores for credit when only [Redacted] is allowed. Contingent upon use of Access loan program only and Max [Redacted]% However, loan closed with [Redacted]% LTV. [Redacted] to review and approve for waiver. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. | SitusAMC Originator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-01-30): Lender exception provided. Buyer Comment (2026-01-29): see attached Buyer Comment (2026-01-29): [Redacted] exception (only need [Redacted] per overlay) Reviewer Comment (2026-01-29): Missing lender exception from arc that states the [Redacted]% LTV and [Redacted] months reserves are approved. Buyer Comment (2026-01-27): see attached exception approval updated to reflect [Redacted]% LTV |
01/30/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30394 | 35841993 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Gift of Equity cannot be used for reserves. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. | SitusAMC Originator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-05): Post close lender exception provided. Buyer Comment (2026-02-02): See updated exception Reviewer Comment (2026-01-30): Lender exception does not refer to the reserve requirement. Buyer Comment (2026-01-29): overlay requires just [Redacted] approval Reviewer Comment (2026-01-29): Missing lender exception from arc that states the [Redacted]% LTV and [Redacted] months reserves are approved. Buyer Comment (2026-01-28): docs uploaded |
02/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30394 | 35841994 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Insufficient reserves | Reviewer Comment (2026-02-05): Post close lender exceptions provided. Buyer Comment (2026-02-02): See updated exception |
02/05/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30394 | 35841995 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Insufficient reserves | Reviewer Comment (2026-02-05): Post close lender exceptions provided. Buyer Comment (2026-02-02): See updated exception Reviewer Comment (2026-01-30): Missing lender exception for reserves. Buyer Comment (2026-01-29): overlay requires just [Redacted] approval |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30394 | 35841996 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | The COC states fee was added due to investor guidelines, however there is no evidence program changed / investor changed from initial LE to determine if fee addition if valid. | Reviewer Comment (2026-02-16): [Redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2026-02-13): shows scheduled to be delivered now Reviewer Comment (2026-02-12): [Redacted] received Post CD,LOX,Copy of refund check and proof of mailing. [Redacted] tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2026-02-11): see attached cure docs Reviewer Comment (2026-01-26): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package and provided VCC indicates the investor required a desk review per guidelines, however, there seems to be no documentation in the loan file of the investor request. Please provide documentation of timeline for review or provide cure. Buyer Comment (2026-01-23): see attached COC |
02/16/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30167 | 35841998 | Compliance | Compliance | Federal Compliance | Compliance | Unable to Combine Appraisal and Appraisal Management Company Fee for Tolerance Testing | Unable to combine Appraisal Fee and Appraisal Management Company Fee for purposes of tolerance testing. | Reviewer Comment (2026-01-27): Cleared. |
05/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30167 | 35841999 | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $[Redacted] may be required. | A Loan Estimate was not provided. | Reviewer Comment (2026-01-27): [Redacted] received LE dated [Redacted]. Buyer Comment (2026-01-26): See docs provided |
01/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30158 | 35842004 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk due to Lender used qualifying payment of $[Redacted] vs. calculated qualifying payment of $[Redacted] | Reviewer Comment (2026-02-11): Documentation provided; exception cleared. |
02/11/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30158 | 35842006 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)(5) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]% due to Lender used qualifying payment of $[Redacted] vs. calculated qualifying payment of $[Redacted] | Reviewer Comment (2026-02-11): Documentation provided; exception cleared. |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30158 | 35842007 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI due to Lender used qualifying payment of $[Redacted] vs. calculated qualifying payment of $[Redacted] | Reviewer Comment (2026-02-11): Documentation provided; exception cleared. Reviewer Comment (2026-02-11): Provide updated 1003 and 1008 to reflect corrected income and DTI. Buyer Comment (2026-02-06): Please see updated statements as well as updated income calculation worksheet. Please review updated income. |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30158 | 35842008 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | due to Lender used qualifying payment of $[Redacted] vs. calculated qualifying payment of $[Redacted] | Reviewer Comment (2026-02-11): Documentation provided; exception cleared. |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30064 | 35842012 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | E-sign Consent Agreement is missing in file. | Reviewer Comment (2026-01-30): Received and associated E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-01-29): See docs provided |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30064 | 35842013 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | CPA: Validation of the license/PTIN is required. | Reviewer Comment (2026-01-30): Received and associated CPA Verification. Exception cleared. Buyer Comment (2026-01-29): See docs provided |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30064 | 35842014 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | CPA: Validation of the license/PTIN is required. | Reviewer Comment (2026-01-30): Received and associated CPA Verification. Exception cleared. |
01/30/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30064 | 35842015 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | CPA: Validation of the license/PTIN is required. | Reviewer Comment (2026-01-30): Received and associated CPA Verification. Exception cleared. |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30064 | 35842016 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Additional information is required as COC just says Appraisal Trip Fee $[Redacted] added. | Reviewer Comment (2026-02-04): [Redacted] received a valid COC. Buyer Comment (2026-02-03): see attached LOX with commentary of additional fee due to trip fee required Reviewer Comment (2026-01-30): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the appraisal trip fee was added. In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change. A valid COC or cure is required. Cure documents consist of PCCD, LOE, proof of mailing and copy of refund check. Buyer Comment (2026-01-29): See docs provided |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30118 | 35842020 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. Valid COC was not provided. | Reviewer Comment (2026-02-02): [Redacted] received rebuttal. Survey fee was non lender required. Buyer Comment (2026-01-30): Per lender: I disagree that fall under [Redacted]%, unless we made the requirement for a new survey. Otherwise, it is a title requirement not a requirement for the loan. This is a third-party fee that they shopped for and shouldn't be subject to tolerance. |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30118 | 35842022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Rent Free LOE not provided | Reviewer Comment (2026-02-05): Received and associated Rent Free LOE. Exception cleared. Buyer Comment (2026-02-04): see attached LOX Reviewer Comment (2026-02-02): Please provide the rent-free letter from the landlord of the '[Redacted]'. Exception remains. Buyer Comment (2026-01-29): doc uploaded |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30307 | 35842026 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | The Recording fee was disclosed as $[Redacted] on the LE, the final CD shows the fee as $[Redacted] There was a lender credit to cover the cost to cure. | Reviewer Comment (2026-01-26): Sufficient Cure Provided At Closing |
01/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30307 | 35842029 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report document is missing in the file | Reviewer Comment (2026-01-30): Received and associated Fraud Report. Exception cleared. Buyer Comment (2026-01-29): See docs provided |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30323 | 35842034 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment (2026-01-30): Received and associated Security Instrument - Subject Lien. Exception cleared. Buyer Comment (2026-01-29): doc uploaded Buyer Comment (2026-01-29): * |
01/30/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30323 | 35842036 | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. | Reviewer Comment (2026-02-09): [Redacted] received SSPL. |
02/09/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | No Defined Cure | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30323 | 35842037 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-09): [Redacted] received SSPL, consumer was allowed to shop for service and fee bound by [Redacted] percent tolerance. Buyer Comment (2026-02-06): see attached SSPL Reviewer Comment (2026-02-03): [Redacted] received COC which are already in file. But, the file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services. Buyer Comment (2026-02-02): doc uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30323 | 35842038 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower has claimed no primary housing expense. A rent-free letter was not provided. | Reviewer Comment (2026-02-13): Received and associated Rent-Free Letter. Exception cleared. Buyer Comment (2026-02-11): doc uploaded |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | A | D | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30044 | 35842049 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Loan Estimate not delivered or placed in the mail to Borrowers within three business days of application. | Reviewer Comment (2026-02-06): [Redacted] received LE dated [Redacted] Buyer Comment (2026-02-05): * Buyer Comment (2026-02-05): doc uploaded |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30030 | 35842063 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | Reviewer Comment (2026-03-16): Client elects to accept and waive. Buyer Comment (2026-02-09): accept as is |
03/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| GCAT2026NQM30108 | 35842067 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Title - Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE dated [Redacted]. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Settlement fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-10): attached initial LE and Final CD they referenced. Based on the above, we respectfully request removal of the cited tolerance exceptions related to title, settlement, ancillary title fees, and lender's title insurance. |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842068 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Scanning/Storage Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE dated [Redacted]. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-10): See Loan Exception ID [Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842069 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE dated [Redacted]. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title- Municipal Lien Certificate Fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-10): See Loan Exception ID [Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842070 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE dated [Redacted]. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title Fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-10): See Loan Exception ID [Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842071 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE dated [Redacted]. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title Fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-10): See Loan Exception ID [Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842072 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE dated [Redacted]. The inclusion of a fee within Section C of the most recent LE provided to the consumer carries the primary basis for consideration of whether the consumer was permitted to shop. As the Title - Lenders title insurance Fee was included in section B of the most recent LE, the consumer was not allowed to shop and a cure is required. Provide Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2026-02-10): See Loan Exception ID [Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842074 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $294.00 exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. | Reviewer Comment (2026-02-13): [Redacted] received lender attestation that fees in Section B on final LE were clerical error and borrower was allowed to shop and did shop for title fees which then disclosed in Section C of the final CD. Shoppable title fees. Reviewer Comment (2026-02-11): [Redacted] received LE. However, we would require a valid COC for the fee increased on CD dated [Redacted] for $[Redacted] or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. Buyer Comment (2026-02-10): See Loan Exception ID [Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30108 | 35842075 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure at closing | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||||||
| GCAT2026NQM30078 | 35842077 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. | Reviewer Comment (2026-02-16): Documentation provided; exception cleared. Buyer Comment (2026-02-12): docs uploaded Buyer Comment (2026-02-12): Estimated Refinance Statement in file on pages 256-257 Reviewer Comment (2026-02-12): Provide the final signed/stamped closing statement to verify disbursement date. Buyer Comment (2026-02-10): Loan did not disburse before the 3rd |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30120 | 35842110 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/[Redacted]) | Reviewer Comment (2026-01-25): [Redacted] received earliest e-consent dated [Redacted] Buyer Comment (2026-01-23): See docs provided |
01/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||||
| GCAT2026NQM30120 | 35842111 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-16): Sufficient Cure Provided At Closing |
01/16/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Purchase | Final CD evidences Cure | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | Yes | |||||||||||||
| GCAT2026NQM30120 | 35842113 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-02-04): Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. Buyer Comment (2026-02-03): see attached VOE Reviewer Comment (2026-01-27): Provided third party verification dated [Redacted] which is not within 10 business days of note. Please provide the Verification of employment within 10 days of note date. Exception remains. Buyer Comment (2026-01-23): See docs provided |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| GCAT2026NQM30120 | 35842114 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | Reviewer Comment (2026-02-04): Received and associated The Work Number - Employment Only for [Redacted]. Exception cleared. Buyer Comment (2026-02-03): see attached VOE Reviewer Comment (2026-01-27): Provided third party verification dated [Redacted] which is not within [Redacted] business days of note. Please provide the Verification of employment within [Redacted] days of note date. Exception remains. Buyer Comment (2026-01-23): See docs provided |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | ||||||||||||||
| GCAT2026NQM30120 | 35842115 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved to allow a 2nd home transaction with a [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. [Redacted] months reserves LTV/CLTV is [Redacted]% below guideline max. LTV/CLTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC Originator,SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-01-21): Lender exception provided. |
01/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||
| GCAT2026NQM30120 | 35842116 | Compliance | Compliance | Federal Compliance | ATR/QM | [Redacted] Bank Originated Loan submitted as Non Exempt | Loan exempt from QM/ATR submitted with a loan originator designation of other than ATR Exempt. QM/ATR testing performed to determine if an exempt loan would otherwise meet QM/ATR criteria if it were subject to the rule. TILA loan designation remains ATR Exempt. | Reviewer Comment (2026-03-04): Accepted as is. Seller Comment (2026-03-03): Please accept as is. |
03/04/2026 | 2 | A | A | A | A | A | [Redacted] | Second Home | Purchase | C | B | C | B | C | A | A | A | Non QM | Exempt from ATR | No | |||||||||||||||||||
| GCAT2026NQM30107 | 35842158 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - 1-4 Family not provided | Not provided and rider is on DOT | Reviewer Comment (2026-02-04): Received and associated 1-4 Family Rider. Exception cleared. Buyer Comment (2026-02-02): see attached DOT with PPP and 1-4 rider |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30107 | 35842159 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided | Prepayment Rider not provided and rider is on DOT | Reviewer Comment (2026-02-04): Received and associated Prepayment Rider. Exception cleared. Buyer Comment (2026-02-02): see [Redacted] |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30107 | 35842160 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | Addendum noted on Note. | Reviewer Comment (2026-02-04): Received and associated Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-02-02): see attached note addendum |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | |||||||||||||||||
| GCAT2026NQM30076 | 35842162 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-01-21): Received and associated Business Purpose Certificate. Exception Cleared Buyer Comment (2026-01-17): see attached certificate |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30076 | 35842163 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Coverage short by $[Redacted] . RCE not provided | Reviewer Comment (2026-01-21): Received and associated Replacement Cost Estimator. Exception Cleared Buyer Comment (2026-01-17): see attached HOI |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30076 | 35842164 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | City does not match | Reviewer Comment (2026-01-30): Documentation provided; exception cleared. Buyer Comment (2026-01-28): See flood cert |
01/30/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30076 | 35842165 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal and CDA: City does not match | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-02-10): Client elects to waive with comp factors. Buyer Comment (2026-02-10): accept as is Reviewer Comment (2026-01-30): Corrected CDA not provided. Buyer Comment (2026-01-28): See docs provided |
02/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30162 | 35842166 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-02-02): Documentation provided; exception cleared. |
02/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30162 | 35842167 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy: City reflects [Redacted] with zip code of [Redacted] vs[Redacted] and zip code of [Redacted] | Reviewer Comment (2026-02-02): Documentation provided; exception cleared. Buyer Comment (2026-01-29): See docs provided Reviewer Comment (2026-01-27): Provide the TPOL with the correct address. Nothing provided reflects this change. Buyer Comment (2026-01-23): See docs provided - final title will be corrected |
02/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30308 | 35842170 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-06): The TPOL was provided. |
03/06/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30308 | 35842171 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The preliminary title report in the file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Reviewer Comment (2026-01-30): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. Buyer Comment (2026-01-29): see attached title |
01/30/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30308 | 35842172 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided | The file is missing a copy of the Purchase Agreement / Sales Contract. | Reviewer Comment (2026-01-25): Received and associated Purchase Agreement / Sales Contract. Exception cleared. Buyer Comment (2026-01-22): docs uploaded |
01/25/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30072 | 35842173 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | 1003 reflects current rents at [Redacted] Lane for [Redacted] months. VOR reflects rented on [Redacted] since [Redacted]. Provide the corrected 1003. | Reviewer Comment (2026-02-04): Received and associated updated 1003. Exception cleared. Buyer Comment (2026-02-02): See docs provided |
02/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30317 | 35842177 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-01-28): Received and associated Certificate of Good Standing. Exception cleared. Buyer Comment (2026-01-27): CERT |
01/28/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30256 | 35842182 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Client Exception in file. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. |
SitusAMC SitusAMC |
Reviewer Comment (2026-01-29): Client elects to waive with verified compensation factors |
01/29/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30380 | 35842185 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided | Reviewer Comment (2026-02-05): Received and associated Bylaws. Exception cleared. Buyer Comment (2026-02-04): Bylaws |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30380 | 35842186 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | Reviewer Comment (2026-02-12): Received and associated Hazard Insurance Policy. Exception cleared. Buyer Comment (2026-02-11): See attached dec page Reviewer Comment (2026-02-09): The Hazard Insurance Policy received reflects the property address as "[Redacted]" However, the Note shows the address as "[Redacted]" Please provide an updated Hazard Insurance Policy reflecting the correct address: "[Redacted]" Exception remains. Buyer Comment (2026-02-05): docs uploaded |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30380 | 35842188 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Reviewer Comment (2026-02-05): Received and associated Corporate Resolution. Exception cleared. Buyer Comment (2026-02-04): US Fortune Inc |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30380 | 35842189 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | 1003 reflets Perm Resident. Provide the unexpired Perm Resident Card. | Reviewer Comment (2026-02-05): Received and associated Resident Alien Card. Exception cleared. Buyer Comment (2026-02-04): Perm Resident Card. |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30380 | 35842190 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Appraisal reflects Tenant Occupied. | Reviewer Comment (2026-02-09): Received and associated Lease Agreement. Exception cleared. Buyer Comment (2026-02-05): docs uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30370 | 35842197 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Confirmation from other entity member ([Redacted]) acknowledging the transfer of the property to Borrower | Reviewer Comment (2026-02-12): Documentation provided; exception cleared. Buyer Comment (2026-02-10): docs uploaded |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30340 | 35842205 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-02-11): Documentation provided; exception cleared. Buyer Comment (2026-02-09): docs uploaded |
02/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30340 | 35842206 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrower lives rent free, provide lease, LOE, Sch E or other documentation to verify borrower has 12 months landlord history. | Reviewer Comment (2026-02-13): Documentation provided; exception cleared. Buyer Comment (2026-02-11): docs uploaded Reviewer Comment (2026-02-09): Property Profile provided was in the file but it does not have the borrower's name it has the same last name but does not match the borrower's name. Buyer Comment (2026-02-06): docs uploaded |
02/13/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Refinance - Rate/Term | B | A | B | A | A | A | N/A | No | ||||||||||||||||||||||
| GCAT2026NQM30295 | 35842208 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Reviewer Comment (2026-02-11): Received and associated Business Purpose Certificate. Exception cleared. Buyer Comment (2026-02-10): docs uploaded |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30374 | 35842209 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | Deed and security Instrument is missing. | Reviewer Comment (2026-02-12): Documentation provided; exception cleared. Buyer Comment (2026-02-10): see attached title doc and deed of trust |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30374 | 35842211 | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | - | Lease agreement is missing | Reviewer Comment (2026-02-11): Received and associated Lease Agreement. Exception cleared. Buyer Comment (2026-02-09): Doc uploaded |
02/11/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30374 | 35842212 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Security Instrument - Subject Lien is not provided. | Reviewer Comment (2026-02-11): Received and associated Security Instrument and Rider. Exception cleared. Buyer Comment (2026-02-09): * Buyer Comment (2026-02-09): doc uploaded |
02/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30215 | 35842214 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception approved for [Redacted]DSCR with first time investor. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
FICO [Redacted] | SitusAMC,Aggregator SitusAMC |
Reviewer Comment (2026-02-09): The client elects to waive. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30337 | 35842215 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided | The file was missing a copy of the Note Addendum - Prepayment. | Reviewer Comment (2026-02-12): Received and associated Note Addendum - Prepayment. Exception cleared. Buyer Comment (2026-02-11): PREPAYMENT ADDENDUM |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | Yes | |||||||||||||||||
| GCAT2026NQM30140 | 35842229 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Missing Unit number. Per note, Unit [Redacted] | Reviewer Comment (2026-02-06): Documentation provided; exception cleared. Buyer Comment (2026-02-04): doc uploaded |
02/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30305 | 35855693 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-03-02): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-02-26): ATTACHED |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30074 | 35858299 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | Reviewer Comment (2026-03-03): Received and associated 1003 Final. Exception cleared. Seller Comment (2026-02-27): ATTACHED |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30074 | 35858521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | UW states in notes that Mortgage on primary appears to be a mortgage done between family members. The housing payment history must be verified and documented when not shown on the credit report per guidelines. No history was provided. | Reviewer Comment (2026-03-09): Note and extension provided, no payments were due on primary, exception cleared. Reviewer Comment (2026-03-03): The provided Extension/Straight Note is not sufficient to verify the borrower's housing history. Please provide documentation confirming the most recent [Redacted] months of mortgage payments made by the borrower. Exception remains Seller Comment (2026-02-27): No payment was due until after closing. |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30061 | 35868525 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-03-02): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-02-26): ATTACHED |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30397 | 35859806 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Borrower has claimed paying rent for [Redacted] months prior to loan origination per Final 1003. Rental amount was not stated. An updated 1003 is required. Rental payment history was not documented. | Reviewer Comment (2026-04-17): Documentation provided; exception cleared. Reviewer Comment (2026-04-07): Provide a lender exception to allow the LOE from the borrower as opposed to the ex-wife for living rent free prior to renting current residence. Exception Remains. Seller Comment (2026-04-03): Proc Cert Reviewer Comment (2026-03-19): Provide a lender exception to allow the LOE from the borrower as opposed to the ex-wife for living rent free prior to renting current residence. Seller Comment (2026-03-14): 1003, rental history Seller Comment (2026-03-14): 1003 |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30020 | 35894503 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | The VOM for the subject property does not have the Name of the address of the creditor completed ([Redacted]) | Reviewer Comment (2026-03-16): The pay off reflects signature of the same person who filled in the VOM, exception cleared. |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30453 | 35918485 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Fraud report reflects high risk red flags not cleared. Provide the clearance report. | Reviewer Comment (2026-04-06): Documentation provided; exception cleared. Seller Comment (2026-04-02): uw cleared them in our system reviewed [Redacted] not an exact match. no further action required here is the uw email saying we are good to go Reviewer Comment (2026-03-31): Provide fraud report that shows red flags cleared or provide explanation that lender reviewed and cleared all red flags. Seller Comment (2026-03-27): [Redacted] ([Redacted]) [Redacted] > send note to investro reviewed [Redacted] not an exact match. no further action required Seller Comment (2026-03-27): reviewed [Redacted] not an exact match. no further action required Reviewer Comment (2026-03-02): The fraud report does not verify all red flags cleared/addressed. Seller Comment (2026-02-26): Fraud cleared |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30131 | 35890800 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The COC does not provide explanation of what changed and why. It states borrower requested change. | Reviewer Comment (2026-03-02): [Redacted] received rebuttal and rate lock suffice Seller Comment (2026-02-26): Per the lock the lender fee was rolled in, this decreased the lender credits |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30458 | 35918729 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Any balloon notes with an expired maturity date exceeding [Redacted] days requires an extension to avoid being counted as delinquent. Note for subject property matured [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-04-03): Lender approved exception. Reviewer Comment (2026-03-19): Per the Note, the maturity date was [Redacted]. Is there an extension to the Note? |
04/03/2026 | 2 | C | B | C | B | C | B | C | B | D | B | [Redacted] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30458 | 35918809 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Borrowers living rent free may be considered on a case by case basis. | Reviewer Comment (2026-03-19): Clarification provided. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30458 | 35918812 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Fraud report reflects high risk red flags not addressed. Provide the clearance report. | Reviewer Comment (2026-03-16): Documentation provided; exception cleared. Reviewer Comment (2026-03-16): Please clarify where int he file it shows all red flags addressed. Seller Comment (2026-03-12): Other RED flags do not apply - attached SAM search |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | B | D | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30135 | 35918929 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Fraud report reflects high risk red flags not cleared. Provide the clearance report. | Reviewer Comment (2026-03-26): Documentation provided; exception cleared. Seller Comment (2026-03-24): This is a DSCR, underwriter reviewed credit and relevant REO. Additional supporting docs attached to address all alerts. Seller Comment (2026-03-24): pc Reviewer Comment (2026-03-09): There are multiple high fraud alerts that do not show cleared. Seller Comment (2026-03-05): UW noted 1008, license provided to clear alert on [Redacted] Seller Comment (2026-03-05): license |
03/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30135 | 36168745 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-27): Client elects to waive with verified compensation factors Reviewer Comment (2026-03-27): The email is not sufficient. All addresses must match. The Note and documents in file reflect Henrico. If the city is actually Richmond, all documents will need to be updated to reflect as such. Otherwise, the HOI will need to be updated to [Redacted]. Exception can be waived with verified compensation factors. Seller Comment (2026-03-27): haz Seller Comment (2026-03-27): email |
03/27/2026 | 2 | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||||
| GCAT2026NQM30135 | 36168753 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Reviewer Comment (2026-03-27): Updated flood cert provided Seller Comment (2026-03-27): floodcert updated Seller Comment (2026-03-27): cert |
03/27/2026 | 1 | A | A | A | A | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||||||||
| GCAT2026NQM30002 | 35892955 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three business days prior to consummation. | Reviewer Comment (2026-03-13): [Redacted] received [Redacted] CD and file has proof of earlier electronic receipt Seller Comment (2026-03-12): Appears the CD from [Redacted] is missing from the docs uploaded - attached Reviewer Comment (2026-02-27): [Redacted] received disclosure tracking. However, the issue relates to the change in APR over .[Redacted]% on the [Redacted] interim CD, Doc ID 0439, with the electronic signature & receipt date of [Redacted] which was not received 3 business days prior to consummation date of [Redacted]. CD prior to dated [Redacted] reflects APR of [Redacted]% and the subsequent interim CD issued [Redacted] had APR of [Redacted]% which exceeds .[Redacted]% change. [Redacted] is a federal holiday which cannot be included in the waiting period count. Timing was not met. Seller Comment (2026-02-26): Revised CD sent out on [Redacted] and received same day - see attached tracking |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30002 | 35913776 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception to use business assets for reserves with [Redacted]. Approval in file. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income [Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-26): Lender exception in file. |
02/26/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30043 | 35870914 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-03-02): [Redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [Redacted]. Seller Comment (2026-02-26): ATTACHED |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30365 | 35894072 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Hazard Insurance Coverage Amount $[Redacted] per policy provided. Coverage shortfall of $[Redacted]. Replacement cost estimate shows value as $[Redacted]. | Reviewer Comment (2026-03-23): Received Hazard Insurance policy with Coverage Amount $[Redacted]. Exception Cleared. Seller Comment (2026-03-23): coverage updated Seller Comment (2026-03-23): haz pol |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30365 | 35926160 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Provide the updated 1003's for both Guarantors. Both are Perm Residents vs. Non-Perm Residents per the Resident Cards in file. | Reviewer Comment (2026-03-23): Received and associated updated 1003. Exception cleared. Seller Comment (2026-03-21): 1003 Seller Comment (2026-03-21): revised 1003 |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30365 | 35926302 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per the update matrix, minimum [Redacted] FICO for C/O. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | SitusAMC | Reviewer Comment (2026-04-15): The client elects to waive. Seller Comment (2026-04-10): ATTACHED Reviewer Comment (2026-03-25): The updated matrix provided for C/O has all C/O LTV's crossed out and only reflects [Redacted]% at the [Redacted] FICO level. The purchase & R/T reflect LTV's by all FICO's. Seller Comment (2026-03-21): min FICO for C/O is [Redacted] not [Redacted]. Please review. |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30087 | 35914246 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): The client elects to waive. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30423 | 35920743 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment (2026-03-24): [Redacted] received initial CD. Seller Comment (2026-03-23): ICD Seller Comment (2026-03-23): ICD and audit trail for acknowledgement. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30423 | 35920744 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four business days prior to closing. | Reviewer Comment (2026-04-03): Evidence the LE was viewed on [Redacted] was provided. Reviewer Comment (2026-03-24): [Redacted] received disclosures summary dated [Redacted] but as per the summary we are unable to identify if the document acknowledge by the borrower is LE. As per package details the borrower has viewed privacy policy. Please provide more information to validate the LE was received to borrower prior to 4 business days from the date of consummation. Seller Comment (2026-03-23): Audit trail for revised LE on [Redacted] viewed by borrower on [Redacted] and again on [Redacted]. Received date is [Redacted]. Seller Comment (2026-03-23): rev LE |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30423 | 35920745 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-03-24): [Redacted] received CD and COC dated [Redacted]. Seller Comment (2026-03-23): See ICD issued [Redacted] for COC. |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30423 | 35920757 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV exceeds max allowable LTV of [Redacted]%. Lender exception in file, missing exception from [Redacted]. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-06): Lender exception in file. |
04/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30423 | 35920758 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV exceeds max allowable LTV of [Redacted]%. Lender exception in file, missing exception from [Redacted]. | Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-06): Lender exception in file. |
04/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30423 | 35938828 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per guidelines, borrower with less than [Redacted] years self-employment may still be eligible with [Redacted] years in same line of work. Only [Redacted] years reflected in same line of work on 1003 and with documentation. | Reviewer Comment (2026-04-03): Evidence of same line of work for at least [Redacted] years was provided. Seller Comment (2026-04-03): employment history, same line of work Seller Comment (2026-04-03): hist |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30133 | 35915558 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-03-11): Received and associated Title Final. Exception cleared. Seller Comment (2026-03-09): title pol Seller Comment (2026-03-09): TPOL |
03/11/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30133 | 35915559 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-03-11): Received and associated Title Final. Exception cleared. |
03/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30353 | 35928254 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | LOE from borrower states they have been living rent free at the property located on Gulfport Boulevard for [Redacted] years. A signed and dated letter from the owner or individual obligated on the lease agreement must be obtained stating the borrower is living rent-free and what the relationship is to the borrower | Reviewer Comment (2026-04-03): Documentation provided; exception cleared. Seller Comment (2026-04-03): 1003 Seller Comment (2026-04-03): updated 1003 Reviewer Comment (2026-03-27): The received LOX states the borrower has resided at the property rent-free for [Redacted] years; however, the corrected 1003 reflects [Redacted] years. Please provide an updated 1003 or a corrected LOX. Exception Remains Seller Comment (2026-03-25): rent free letter Seller Comment (2026-03-25): LOX |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30353 | 35938800 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Borrower LOE in file states they have been living rent free at the property located on Gulfport Boulevard for [Redacted] years and noted the [Redacted] was listed as the primary in error. The property on [Redacted] was purchased as an investment under renovations and is now refinancing as their primary. Provide the updated 1003. | Reviewer Comment (2026-03-23): An updated 1003 was provided. Seller Comment (2026-03-22): 1003 |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30353 | 35938852 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | The borrower must confirm in writing the reason for the prior listing. Listed for sale on [Redacted] and withdrawn on [Redacted]. | Reviewer Comment (2026-04-13): Documentation provided; exception cleared. Seller Comment (2026-04-13): Borr LOX ([Redacted] pages) Seller Comment (2026-04-13): Borr LOX Reviewer Comment (2026-03-27): LOX is not required; however, we need the LOX reason for the prior listing. The property was listed for sale on [Redacted] and withdrawn on [Redacted].Exception Remains Seller Comment (2026-03-25): LOX |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30353 | 35938889 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Issue: Refinance seasoning requirements not met | To be eligible for a cash-out refinance when the subject was listed in the last [Redacted] months the following is required: The lesser of the most recent list price or the current appraised value should be used to determine loan-to-value for both rate/term and cash-out transactions. Lender utilized higher appraised value. In addition, the property has been owned for < [Redacted] months. | Reviewer Comment (2026-03-23): An updated 1003 was provided. Seller Comment (2026-03-22): Corrected URLA to no-cashout refi and appraised value is less than most recent list price. Seller Comment (2026-03-22): URLA LLI |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30353 | 35938916 | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | Provide the VOM for the subject property. | Reviewer Comment (2026-04-22): Documentation provided; exception cleared. Reviewer Comment (2026-04-22): The VOM has been received for the subject property; however, the payment history cannot be verified. Additionally, the loan is reflected on the 1003 as "to be paid off" with the loan type listed as "Other." An updated VOM is required to verify the housing payment history. Exception Remains Seller Comment (2026-04-20): VOM |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | A | D | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30128 | 35926158 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-26): Sufficient Cure Provided At Closing |
02/26/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30128 | 35948244 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The final 1003 states [Redacted] owns [Redacted], and the declarations reflect she owns this property solely. The credit report and the mortgage statement appear to be in the other two borrower's names, and the LOE in file for this property is also from the other two borrowers. Please clarify and correct [Redacted] 1003. If [Redacted] owns, provide [Redacted] month housing history. | Reviewer Comment (2026-03-16): Explanation provided, exception cleared. Seller Comment (2026-03-12): proc cert Seller Comment (2026-03-12): pc |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30466 | 35928647 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | The 1003 reflects a [Redacted] account was utilized ending in #[Redacted], however the [Redacted] month statement was not provided. | Reviewer Comment (2026-03-24): Received and associated [Redacted] account was utilized ending in #[Redacted]. Exception cleared. Seller Comment (2026-03-24): assets Seller Comment (2026-03-24): [Redacted] |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30466 | 35937661 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | Provide the Unanimous Consent. The [Redacted] does not give binding authority without consent. | Reviewer Comment (2026-03-27): Documentation provided; exception cleared. Reviewer Comment (2026-03-25): Received Processor Certification, please provide the Corporate Resolution that contain a list of owners along with titles. Exception Remains. Seller Comment (2026-03-24): Proc cert for auth Seller Comment (2026-03-24): PC |
03/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30429 | 35925965 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Lender exception in file. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-09): The client elects to waive as is Seller Comment (2026-04-08): Wish to waive risk grade [Redacted] |
04/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30429 | 35925998 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Regular APR Change | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure issued on [Redacted] contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. | Corrected Closing Disclosure issued on [Redacted] contains a change in APR and was not received by borrower at least three ([Redacted]) business days prior to consummation date of [Redacted]. | Reviewer Comment (2026-04-06): [Redacted] received [Redacted] & [Redacted] CD's Seller Comment (2026-04-03): CDs between [Redacted] and [Redacted] attached Seller Comment (2026-04-03): CDs Reviewer Comment (2026-03-25): Initial CD issued [Redacted] reflects APR of [Redacted]% and Finance charge of $[Redacted]. The next subsequent CD is the Final CD issued [Redacted] with an APR of [Redacted]% and an increasing Finance Charge of $[Redacted]. The APR changed over [Redacted]% (decreased) but the Finance Charge increased. That a APR decreased does not necessarily exclude it from the [Redacted] day waiting period test. This testing approach is further clarified in CFPB FAQ Question #[Redacted]. Regulations state: Under [Redacted](f)(2)(ii), if the annual percentage rate disclosed under [Redacted](o)(4) becomes inaccurate, as defined in [Redacted], a new [Redacted]-day waiting period is required and the creditor must ensure that the consumer receives the corrected disclosures at least [Redacted] business days prior to consummation. Unlike finance charge tolerance for accuracy under [Redacted], an APR decreasing or being overstated is not automatically considered "accurate" under [Redacted]. Under [Redacted], a disclosed APR is accurate if the difference between the disclosed APR and the actual APR is within an applicable tolerance in [Redacted](a) ([Redacted]). Of note, the [Redacted]/[Redacted] tolerance applies up and down for under and over disclosed APRs. In addition, for transactions secured by real property or a dwelling, 12 CFR § [Redacted](a)(4) provides that the disclosed APR is considered accurate if: 1) the APR results from the disclosed finance charge, and 2) the disclosed finance charge is considered accurate. The CFPB clarifies this point further, specific to APR decreases, in Question #[Redacted] of its published FAQS: [Redacted] In the same CFPB FAQ, the Bureau points to the Federal Reserve's Consumer Compliance Outlook, [Redacted] [Redacted] available at: www.consumercomplianceoutlook.org/[Redacted]/first-quarter/mortgage-disclosure-improvement-act/ which provides additional information related to APR accuracy. Below is an excerpt from the aforementioned Federal Reserve Consumer Compliance Outlook: Lenders must be very careful in assuming that overstated APRs do not trigger redisclosure and a three-business-day waiting period. Make sure your system is not automatically set up to generate corrected TILA disclosures only if the disclosed APR is understated. To apply the [Redacted] rules correctly and avoid violations of Regulation [Redacted], lenders must determine the cause of the overstatement. An overstated APR that corresponds directly with an overstated finance charge is within tolerance and redisclosure is not required. However, not every overstatement of an APR is caused by an overstated finance charge. If there is no finance charge overstatement and the disclosed APR exceeds the [Redacted] of a percent tolerance ([Redacted] of a percent for irregular transactions), or if the disclosed APR exceeds the APR corresponding to an overstated finance charge, redisclosure with a three-business-day waiting period is required. Specific issues and questions should be raised with the consumer compliance contact at your [Redacted] or with your primary regulator. In sum, if the APR disclosed decreased as a result of a rate change (including a decrease in rate), change in loan amount, fee adjustments, or any other changes to loan terms and this resulted in the previously disclosed APR to decrease beyond the applicable [Redacted] or [Redacted] tolerance for accuracy under [Redacted], in order for an APR that decreased more that [Redacted]/[Redacted] to be considered "accurate", the APR must 1) result from the disclosed finance charge and 2) that disclosed finance charge must be considered accurate (i.e. overdisclosed finance charge or within $[Redacted]/$[Redacted] tolerance for accuracy applicable to finance charges). If the APR decrease does not correspond to an overstated finance charge or finance charge that is considered accurate, then the APR is not considered accurate under [Redacted](a)(4) which in turn triggers the additional [Redacted]-day waiting period requirement under [Redacted](f)(2)(ii) that applies when the previously disclosed APR "becomes inaccurate" as defined under [Redacted]. Also see excerpt from [Redacted] TRID Grid [Redacted] Additional Considerations Row [Redacted]. If any CD's were not provide other than the [Redacted] & [Redacted] that may address this, please provide. Seller Comment (2026-03-24): APR DID NOT increase by [Redacted], there is not additional [Redacted] day wait period for CD issued [Redacted]. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30429 | 35926000 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | No cure nor COC received | Reviewer Comment (2026-04-06): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Seller Comment (2026-04-03): We can issue $[Redacted] refund and mail out check via [Redacted] with PCCD/LOX. Is this acceptable? Proof of mailing will cost well over $[Redacted]. |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30429 | 35926734 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject listed for sale after application date, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Lender exception in file. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-02): Lender exception in file. |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30429 | 35948770 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Using business deposits from other business, lender exception provided. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Lender exception in file. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-02): Lender exception in file. |
03/02/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30429 | 36235371 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-06): Sufficient Cure Provided At Closing |
04/06/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | B | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||||||
| GCAT2026NQM30105 | 35938306 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Maximum LTV allowable for Borrower with no experience operating a short-term rental is [Redacted]%. Lender requested exception. Client must approve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves DSCR [Redacted] Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-10): Lender exception in file. Seller Comment (2026-03-06): ATTACHED |
03/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30105 | 35938307 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | [Redacted] homes are ineligible per guidelines. Lender requested exception. Client must approve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves DSCR [Redacted] Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-10): Lender exception in file. Seller Comment (2026-03-06): ATTACHED |
03/10/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30009 | 35939064 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-27): Sufficient Cure Provided At Closing |
02/27/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30032 | 35959455 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing cpa letter that verifies all of the following: Attestation that they prepared the borrower's tax returns for the last [Redacted] years and have reviewed the YTD financial statements. Confirm they are not related to the borrower or associated with the borrower's business. |
Reviewer Comment (2026-03-25): Received and associated CPA Letter. Exception Cleared. Seller Comment (2026-03-24): ATTACHED |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30032 | 35966161 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing cpa letter that verifies all of the following: Attestation that they prepared the borrower's tax returns for the last [Redacted] years and have reviewed the YTD financial statements. Confirm they are not related to the borrower or associated with the borrower's business. |
Reviewer Comment (2026-03-25): Received and associated CPA Letter. Exception Cleared. Seller Comment (2026-03-24): ATTACHED |
03/25/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30032 | 35966162 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing cpa letter that verifies all of the following: Attestation that they prepared the borrower's tax returns for the last [Redacted] years and have reviewed the YTD financial statements. Confirm they are not related to the borrower or associated with the borrower's business. |
Reviewer Comment (2026-03-25): Received and associated CPA Letter. Exception Cleared. Seller Comment (2026-03-24): ATTACHED |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30181 | 35946695 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require 12 or more consecutive months bank statements. | Reviewer Comment (2026-03-23): The loan was restated as [Redacted]. |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30181 | 35946696 | Compliance | Compliance | Federal Compliance | TRID | TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| GCAT2026NQM30181 | 35946698 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30181 | 35946699 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30181 | 35946700 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Services Sales Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-02): Sufficient Cure Provided At Closing |
03/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30181 | 35946701 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Missing third party verification dated within 30 days prior to closing. | Reviewer Comment (2026-03-23): The loan was restated as [Redacted]. Reviewer Comment (2026-03-23): For Non-QM (General ATR), employment status must be verified with third party documentation prior to consummation. All 8 factors required to be considered and verified under the ability to repay rule must be at or before consummation. Guideline requirements are used but only to the extent that it does not contradict explicit requirements in the Ability to Repay rule. Accordingly, while guidelines permit post close VOE, this would not meet ATR requirements. Seller Comment (2026-03-20): The most recent bank statement in the file is within days of the note date of [Redacted]. Per the [Redacted] and [Redacted], bank statements are permitted within [Redacted] days of the note date. All credit documentation must be no more than [Redacted] days old at time of closing. Per [Redacted] UW Guideline. Please Cancel. |
03/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30181 | 35946702 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Bank Statements | Ability to Repay (Dodd-Frank 2014): Unable to verity Bank Statement income due to, bank statement provided was dated more than [Redacted] days prior to closing, CPA letter provided was dated more than [Redacted] days prior to closing, other verification was not provided from a reliable third party income source. | Missing third party verification dated within [Redacted] days prior to Note date. | Reviewer Comment (2026-03-23): The loan was restated as [Redacted]. Reviewer Comment (2026-03-23): For Non-QM (General ATR), employment status must be verified with third party documentation prior to consummation. All [Redacted] factors required to be considered and verified under the ability to repay rule must be at or before consummation. Guideline requirements are used but only to the extent that it does not contradict explicit requirements in the Ability to Repay rule. Accordingly, while guidelines permit post close VOE, this would not meet ATR requirements. Seller Comment (2026-03-20): The CPA letter on page [Redacted] of [Redacted] ([Redacted]) is dated [Redacted], which is within [Redacted] days of the note date of [Redacted]. Per the [Redacted] Alt Income Program and [Redacted] UW Guidelines, income documentation is permitted within [Redacted] days of the note date. Please Cancel. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30181 | 35946703 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification dated within [Redacted] days prior to Note date. | Reviewer Comment (2026-03-23): The loan was restated as [Redacted]. |
03/23/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30181 | 35946761 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
[Redacted] months reserves. DTI is [Redacted]% below guideline max. |
SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-04): Lender exception in file. |
03/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026NQM30181 | 35967179 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing third party verification dated within [Redacted] days prior to Note date. | Reviewer Comment (2026-03-16): Documentation provided; exception cleared. Seller Comment (2026-03-13): The attached [Redacted] entity record for [Redacted]., DBA [Redacted] was pulled on [Redacted], which is within [Redacted] days of the note date, and confirms the company is an [Redacted] in the State of [Redacted], originally incorporated [Redacted] with the registered address [Redacted]. This documentation verifies the existence and active status of the business entity and is an acceptable source to evidence business registration for bank statement loan programs, satisfying the requirement of the finding. Please Cancel. Reviewer Comment (2026-03-13): Per guideline Third Party Verification 'within [Redacted] Calendar days prior to the note date' required. Exception Remains. Seller Comment (2026-03-11): The loan is an Alternate Income (Bank Statement) program, which does not require traditional third-party employment verification. Income qualification is based on reviewed bank statements in accordance with the product guidelines. Please Cancel. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30181 | 35967244 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing third party verification dated within [Redacted] days prior to Note date. | Reviewer Comment (2026-03-16): Documentation provided; exception cleared. |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30181 | 36118203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | The loan was restated as SHQM. | Reviewer Comment (2026-03-23): The client accepts as is. |
03/23/2026 | 2 | A | B | B | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | A | A | Non QM | Safe Harbor QM (APOR) | No | ||||||||||||||||||
| GCAT2026NQM30433 | 35957630 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide the [Redacted] month housing history for the borrower's primary residence. Note in file reflects borrower obligated to $[Redacted] lien with payments of $[Redacted].mo. commencing from [Redacted] to maturity on [Redacted]. No evidence of lien satisfaction in file. | Reviewer Comment (2026-03-30): Received and associated Canceled Checks and Satisfaction of Lien or Judgment. Exception cleared. Seller Comment (2026-03-26): housing pmt history, loan PIF Seller Comment (2026-03-26): hist |
03/30/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30436 | 35956246 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - | 1003 Declarations reflect that borrower intends to occupy the property as a primary residence. | Reviewer Comment (2026-04-03): Documentation provided; exception cleared. Seller Comment (2026-04-01): 1003 Seller Comment (2026-04-01): revised 1003 |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30436 | 35983551 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided | Provide the deed transferring the property to the borrower only. | Reviewer Comment (2026-04-06): Received and associated Deeds / Warranty / Grant / Quit-Claim. Exception cleared. Seller Comment (2026-04-02): deed removing spouse Seller Comment (2026-04-02): deed |
04/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Second Home | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30436 | 35983637 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide evidence the remaining spouse payoff encumbers the remaining $[Redacted]awarded to spouse (month payments of $[Redacted]) for the private support along with the $[Redacted] awarded to spouse or provide the monthly payment to be added to the DTI. There was no monthly obligations added to the DTI currently. ([Redacted]). | Reviewer Comment (2026-04-03): Documentation provided; exception cleared. Seller Comment (2026-04-01): proc cert Seller Comment (2026-04-01): award |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30436 | 35983645 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The DOT is vested as married man and final 1003 reflects married, however there is a marital settlement agreement in file through a divorce. | Reviewer Comment (2026-04-03): Explanation provided. Seller Comment (2026-04-01): Vesting as Married man is correct as divorce is not finalized. The marital settlement agreement is not a divorce decree. |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30436 | 35983698 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home). | Initial and final 1003, dec page, reflects intent to occupy | Reviewer Comment (2026-04-10): Client elects to waive. Seller Comment (2026-04-08): Lender accepts [Redacted] |
04/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Refinance - Cash-out - Other | D | B | D | A | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30512 | 35969358 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per updated matrix, minimum FICO is [Redacted] for C/O. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC |
Reviewer Comment (2026-05-05): The client elects to waive. Reviewer Comment (2026-04-03): The updated matrix provided for C/O has all C/O LTVs crossed out and only reflects [Redacted]% at the [Redacted] FICO level. The Refinance & Cash-out reflect LTVs by all FICO's. Exception Remains. Seller Comment (2026-04-01): min score is [Redacted] not [Redacted]. |
05/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30437 | 35970211 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-04-02): [Redacted] received conversation log, COC and LOX for change in fee. Seller Comment (2026-04-01): cd, coc Seller Comment (2026-04-01): app fee |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30437 | 35975356 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Per the guidelines, borrower must be [Redacted]% owner of LLC when paid through LLC. Per CPA letter, borrower only owns [Redacted]% of business. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-03): Lender exception provided. Seller Comment (2026-04-01): exception approved Seller Comment (2026-04-01): approval |
04/03/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| GCAT2026NQM30179 | 35951275 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided | Reviewer Comment (2026-03-19): Received and associated Articles of Organization/Formation. Exception cleared. Seller Comment (2026-03-18): ATTACHED |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30179 | 35951276 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-03-19): Received and associated Certificate of Good Standing. Exception cleared. Seller Comment (2026-03-18): ATTACHED |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30179 | 35951279 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception to proceed with subject for sale at the time of application. Missing lender exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-20): Lender exception provided. Seller Comment (2026-03-19): Attached |
03/20/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30435 | 35957653 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Earnest Money Deposit of $[Redacted] could not be sourced. Checking account funds of $[Redacted] were stated on the Final 1003.An account number with the Financial Institution name was not provided. A statement was not provided to verify funds. | Reviewer Comment (2026-04-01): Received and associated Bank statement dated [Redacted] for account [Redacted]. The ending balance is $[Redacted]. Sufficient assets for closing requirement verified. Exception cleared. Seller Comment (2026-03-30): ATTACHED Reviewer Comment (2026-03-25): Received the [Redacted] business bank statement dated [Redacted]for account [Redacted]. The ending balance is $[Redacted]. Unable to verify the borrower's ownership percentage with the documents provided. Please provide supporting documentation to confirm the borrower's ownership percentage in the business. Exception Remains Seller Comment (2026-03-24): Bank statement attached to evidence EMD Reviewer Comment (2026-03-23): A signature card is provided. Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Earnest Money Deposit of $[Redacted] could not be sourced. Checking account funds of $[Redacted] were stated on the Final 1003. An account number with the Financial Institution name was not provided. A statement was not provided to verify funds. Exception Remains. Seller Comment (2026-03-19): ATTACHED |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30435 | 35957677 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Earnest Money Deposit of $[Redacted] could not be sourced. Checking account funds of $[Redacted] were stated on the Final 1003.An account number with the Financial Institution name was not provided. A statement was not provided to verify funds. | Reviewer Comment (2026-04-01): Received and associated Bank statement dated [Redacted] for account [Redacted]. The ending balance is $[Redacted]. Sufficient assets for closing requirement verified. Exception cleared. Seller Comment (2026-03-30): ATTACHED Reviewer Comment (2026-03-25): Received the [Redacted] business bank statement dated [Redacted]for account [Redacted]. The ending balance is $[Redacted]. Unable to verify the borrower's ownership percentage with the documents provided. Please provide supporting documentation to confirm the borrower's ownership percentage in the business. Exception Remains Seller Comment (2026-03-24): ATTACHED to evidence EMD cleared Reviewer Comment (2026-03-23): A signature card is provided. Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Earnest Money Deposit of $[Redacted] could not be sourced. Checking account funds of $[Redacted] were stated on the Final 1003.An account number with the Financial Institution name was not provided. A statement was not provided to verify funds. Exception Remains. Seller Comment (2026-03-19): ATTACHED |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30376 | 35947418 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | The file was missing a copy of the lease agreement and Insurance Verification for property [Redacted], OR | Reviewer Comment (2026-02-13): Documentation provided; exception cleared. Reviewer Comment (2026-02-10): Received same Letter again which explains No Insurance Verification, Tax Verification document reflects $[Redacted] however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains. Buyer Comment (2026-02-09): see attached letter Reviewer Comment (2026-02-02): Provided Letter is showing No Insurance Verification, Tax Verification document reflects $[Redacted] however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains Buyer Comment (2026-01-29): see attached LOX and lease |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30376 | 35947421 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing verification of borrower's percentage of business ownership. | Reviewer Comment (2026-02-13): Documentation provided; exception cleared. Buyer Comment (2026-02-11): See docs provided Reviewer Comment (2026-01-13): No new documentation provided to address this exception. Buyer Comment (2026-01-09): see attached bus docs |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30376 | 35947422 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | LTV exceeds guideline maximum of [Redacted]% for rural properties. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-02-13): Post close lender exception provided. Reviewer Comment (2026-01-13): Post close lender exception provided. Buyer Comment (2026-01-09): see attached approved exception |
02/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30376 | 35947423 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | LTV exceeds guideline maximum of [Redacted]% for rural properties. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC Originator,SitusAMC SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-01-13): Post close lender exception provided. Buyer Comment (2026-01-09): see [Redacted] |
01/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30371 | 35947488 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification document not provided | Reviewer Comment (2026-02-17): Received and associated updated Loan Underwriting and Transmittal Summary (1008) / MCAW. Exception cleared. Buyer Comment (2026-02-17): 1008 and income calc uploaded Reviewer Comment (2026-02-13): Received updated 1003 with additional expenses were removed for the property #[Redacted], please provide the updated 1008 with the updated REO expenses. Exception Remains. Buyer Comment (2026-02-11): See updated 1003 Reviewer Comment (2026-02-09): Received HOA verification ($[Redacted]), Mortgage Payments ($[Redacted]), 1003 is reported with total expenses of $[Redacted]. Please provide the proof of documents for the remaining other expenses $[Redacted]. Exception Remains. Buyer Comment (2026-02-05): docs uploaded |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30371 | 35947494 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | DTI exceeds guidelines. UW excluded all non-income deposits and transfers from personal accounts. | Reviewer Comment (2026-02-09): An updated income works sheet was provided and the DTI is now [Redacted]% Buyer Comment (2026-02-05): lender docs Reviewer Comment (2026-02-02): This does not address the issue as most of the deposits came from another personal account that we do not have access to or explanation for. Buyer Comment (2026-01-28): See lender's income calculation worksheet. |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30364 | 35947505 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit.No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-02-11): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. Buyer Comment (2026-02-09): lender docs Reviewer Comment (2026-02-03): [Redacted] received LOX, however fee was not disclosed on LE and added on initial CD. A valid COC for addition of fee on CD dated [Redacted] or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check. Buyer Comment (2026-02-02): see attached LOX |
02/11/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30364 | 35947506 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Borrower has a private landlord. Require cancelled checks/Bank statements documenting most recent [Redacted] months of payments. | Reviewer Comment (2026-02-20): Received and associated Letter of expiation for rent. Exception cleared. Buyer Comment (2026-02-18): See docs provided Reviewer Comment (2026-02-13): As per the guidelines, private landlords are required to provide the most recent [Redacted] months of cancelled checks, bank statements, or payment history. Exception remains. Buyer Comment (2026-02-11): See docs provided Reviewer Comment (2026-02-04): As per guidelines if private landlord Require most recent [Redacted] months cancelled checks/Bank statements. Exception remains. Buyer Comment (2026-02-02): see attached VOR and lender docs |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30364 | 35947507 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | [Redacted] months statements required. | Reviewer Comment (2026-02-05): Received and associated [Redacted] months Bank statement for [Redacted] #[Redacted]. Exception cleared. Buyer Comment (2026-02-03): see attached statement |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30321 | 35947513 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-02-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception." Buyer Comment (2026-02-02): doc uploaded |
02/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30321 | 35947514 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-02-16): [Redacted] received corrected PCCD and LOE with corrected fee name. Buyer Comment (2026-02-12): doc uploaded Reviewer Comment (2026-02-03): [Redacted] received LOE, however on CD fee was disclosed without title prefix. If fee is a title fee, corrected PCCD and LOE updating title prefix required to re-evaluate the exception. Buyer Comment (2026-02-02): see *[Redacted] |
02/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30321 | 35947515 | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided | The file was missing a copy of Flood Certificate. | Reviewer Comment (2026-02-05): Documentation provided; exception cleared. Buyer Comment (2026-02-05): doc uploaded Reviewer Comment (2026-02-04): Received Flood Certificate for the different address and different borrower. Please provide the Flood Certificate for the subject property. Exception Remains. Buyer Comment (2026-02-02): doc uploaded Buyer Comment (2026-02-02): * |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30321 | 35947516 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-02-13): Documentation provided; exception cleared. Reviewer Comment (2026-02-13): Received CPA Verification from IRS however License number is not available on both the CPA letter and IRS verification. Please provide the CPA verification with license details. Exception Remains. Buyer Comment (2026-02-11): see *[Redacted] Reviewer Comment (2026-02-05): Please provide CPA verification. Exception remains. Buyer Comment (2026-02-03): see *[Redacted] |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30321 | 35947517 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Reviewer Comment (2026-02-13): Documentation provided; exception cleared. Buyer Comment (2026-02-11): see *[Redacted] Reviewer Comment (2026-02-05): Missing validity of CPA. Buyer Comment (2026-02-05): should update with income docs |
02/13/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30321 | 35947518 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan is at ATR risk due to missing CPA verification. | Reviewer Comment (2026-02-13): Documentation provided; exception cleared. Buyer Comment (2026-02-11): doc uploaded Reviewer Comment (2026-02-05): Missing validity of CPA. Buyer Comment (2026-02-03): docs uploaded |
02/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30321 | 35947519 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-16): Sufficient Cure Provided At Closing |
02/16/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||||||||
| GCAT2026NQM30113 | 35947555 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing business narrative. | Reviewer Comment (2026-02-17): Received and associated business narrative document for [Redacted]. Exception Cleared. Buyer Comment (2026-02-15): Business narrative |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30113 | 35947556 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing business narrative. | Reviewer Comment (2026-02-17): Received and associated business narrative document for [Redacted]. Exception Cleared. |
02/17/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30113 | 35947557 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing business narrative. | Reviewer Comment (2026-02-17): Received and associated business narrative document for [Redacted]. Exception Cleared. Buyer Comment (2026-02-15): narrative uploaded |
02/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30392 | 35947575 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Please clarify if borrower is a FTHB. 1003 reflects property ownership at [Redacted], however LOE in file states borrower has no ownership in this REO. If no ownership, please provide updated 1003 removing REO. If borrower is FTHB, max DTI per guidelines is [Redacted]% at [Redacted]% LTV. | Reviewer Comment (2026-02-23): Updated 1003 provided. Buyer Comment (2026-02-21): see [Redacted] Buyer Comment (2026-02-21): Doc uploaded |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | A | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30392 | 35947576 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing evidence of access to business funds for closing. | Reviewer Comment (2026-02-25): Received and associated Evidence of Access to Funds document. Exception Cleared. Buyer Comment (2026-02-23): docs uploaded |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | A | A | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30392 | 35947578 | Compliance | Compliance | State Compliance | State HPML | (State HPML) [Redacted] Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Compliant Higher Priced Loan. | Buyer Comment (2026-02-26): accept as is Buyer Comment (2026-02-26): pLEASE ACCEPT AS IS Buyer Comment (2026-02-24): Appraisal receipt in file both federal hpml appraisal exceptions have been cancelled Reviewer Comment (2026-02-23): Missing evidence of receipt of appraisal at least [Redacted] business days prior to closing. Buyer Comment (2026-02-19): see [Redacted] Buyer Comment (2026-02-19): should this be canceled? |
03/23/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | No obvious cure | C | B | C | A | A | B | A | A | Non QM | Non QM | No | ||||||||||||||||||
| GCAT2026NQM30065 | 35947601 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30065 | 35947602 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-05): Sufficient Cure Provided At Closing |
02/05/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30325 | 35947606 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of CPA Verification. | Reviewer Comment (2026-02-19): Documentation provided; exception cleared. Reviewer Comment (2026-02-19): Received the Business Narrative, which is post note date. The CPA verification does not confirm the document date. Exception Remains. Buyer Comment (2026-02-17): narrative Reviewer Comment (2026-02-17): Please Provide Business Narrative for "[Redacted]". Exception Remains. Buyer Comment (2026-02-17): see *[Redacted] |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30325 | 35947607 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The file is missing a copy of CPA Verification. | Reviewer Comment (2026-02-20): Documentation provided; exception cleared. Reviewer Comment (2026-02-19): Please provide corrected business narrative dated [Redacted], currently reflects [Redacted]. Buyer Comment (2026-02-17): see *[Redacted] |
02/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30325 | 35947608 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The file is missing a copy of CPA Verification. | Reviewer Comment (2026-02-19): Documentation provided; exception cleared. Buyer Comment (2026-02-17): tax preparer ptin. ok for verification needed- [Redacted] mth bank statements, arc access, guide pg [Redacted] |
02/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30155 | 35947609 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-11): Sufficient Cure Provided At Closing |
02/11/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30155 | 35947610 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The AUS reflects the number of financed properties used in determining eligibility and reserve requirements is one. Borrower owns [Redacted] financed properties. | Reviewer Comment (2026-02-25): Documentation provided; exception cleared. Buyer Comment (2026-02-23): aus |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30034 | 35947664 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy is within [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-02-25): Provided title with appropriate coverage Buyer Comment (2026-02-24): docs uploaded |
02/25/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30395 | 35947712 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Valuation reflects Owner occupied | Reviewer Comment (2026-02-09): Documentation provided; exception cleared. Buyer Comment (2026-02-05): docs uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30395 | 35947713 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Valuation reflects Unit [Redacted]. Note reflects Suite [Redacted] | Reviewer Comment (2026-02-09): Documentation provided; exception cleared. Buyer Comment (2026-02-05): docs uploaded |
02/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | C | A | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30367 | 35947721 | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | - | Reviewer Comment (2026-02-05): Received and associated Fraud Report. Exception cleared. Buyer Comment (2026-02-04): * Buyer Comment (2026-02-04): doc uploaded |
02/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30328 | 35947733 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided | Reviewer Comment (2026-02-12): Received and associated Certificate of Good Standing. Exception cleared. Buyer Comment (2026-02-10): Formation: [Redacted], + [Redacted]days = [Redacted]. Note Date: [Redacted] Buyer Comment (2026-02-10): Certificate of Good Standing showing the company's status as "Active" is required (such as, but not limited to documentation from the [Redacted], or [Redacted]). This requirement may be waived if the [Redacted] was formed in the last [Redacted]days. |
02/12/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30352 | 35947735 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Calculated Debt Service Coverage Ratio of [Redacted] does not meet required Guideline Debt Service Coverage Ratio of [Redacted]. Lender exception for [Redacted] DSCR score for First-Time Investor. Approval in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-09): Lender exception in file. |
02/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30426 | 35968831 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing | Reviewer Comment (2026-04-01): Received and associated Title Commitment. Exception cleared. Seller Comment (2026-03-31): [Redacted] Seller Comment (2026-03-31): PRELIM |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30426 | 35975761 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | Passport and I-797 provided. Per guidelines, Canadian citizens require a TN-1 VISA or I-94 in lieu of [Redacted]. Provide either the VISA or I-94. | Reviewer Comment (2026-04-02): Received and associated [Redacted] In Lieu of [Redacted]. Exception cleared. Seller Comment (2026-03-31): [Redacted] |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30281 | 35985651 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Property tax escrows required on short term rent income. Patial escrows on subject property. Lender requested exception for partial escrow waiver. Approval in file. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-09): The client elects to waive. |
03/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30176 | 35967401 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing disclosure dated [Redacted] was not provided to borrower at least [Redacted] business days prior to closing date of [Redacted]. | Reviewer Comment (2026-02-26): [Redacted] received CD dated [Redacted] Buyer Comment (2026-02-25): doc uploaded |
02/26/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30176 | 35967403 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-14): Sufficient Cure Provided At Closing |
01/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30176 | 35967404 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Reviewer Comment (2026-02-27): Documentation provided; exception cleared. Buyer Comment (2026-02-27): cpa Reviewer Comment (2026-02-27): The provided excel version of CPA verification doesn't have a verification date. Please provide the CPA verification with date. Exception Remains. Buyer Comment (2026-02-25): see [Redacted] Reviewer Comment (2026-02-23): Missing validity of cpa. Buyer Comment (2026-02-23): waterfall cpa |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30176 | 35967405 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Reviewer Comment (2026-02-27): Documentation provided; exception cleared. Buyer Comment (2026-02-25): see [Redacted] |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30176 | 35967406 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan is at QM risk due to missing CPA validation. | Reviewer Comment (2026-02-27): Documentation provided; exception cleared. Buyer Comment (2026-02-25): doc uploaded Buyer Comment (2026-02-25): docs uploaded Reviewer Comment (2026-02-23): Missing validity of cpa. Buyer Comment (2026-02-19): see attached lender docs |
02/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30122 | 35967409 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Right to Cancel is on Form H-9 however, the Title Search verifies the first lien mortgage is in the name of a different lender. Right to Cancel should be on Form H-8. | Reviewer Comment (2026-02-25): Docs provided. Buyer Comment (2026-02-23): docs uploaded Reviewer Comment (2026-02-19): RTC forms are still on H-9, not H-8. Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form Buyer Comment (2026-02-18): See docs provided Reviewer Comment (2026-01-29): H-9 RTC provided, loan is not lender to lender refinance, H-8 form required. Buyer Comment (2026-01-27): see attached docs |
02/25/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30122 | 35967410 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed an Amount Financed are $[Redacted]. The calculated Amount Financed is $[Redacted]. There is a variance of $[Redacted]. | Reviewer Comment (2026-02-24): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-02-23): docs uploaded to [Redacted] Reviewer Comment (2026-02-19): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-02-18): See docs provided Reviewer Comment (2026-02-05): The payoff statement fee does not appear to be excluded under [Redacted].(4)(c)(7). Per [Redacted] the following fees are excluded from the finance charge calculation. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. If the fee name does not accurately describe the fee purpose, please provide a LOE and [Redacted] would gladly re-review our position. Buyer Comment (2026-02-04): see attached lender explanation |
02/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30122 | 35967411 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Final Disclosure disclosed a Finance Charges are $[Redacted]. The calculated Finance charges is $[Redacted]. There is a variance of $[Redacted]. | Reviewer Comment (2026-02-24): [Redacted] received PCCD, LOE, Copy of Refund Check, Re-opening of Rescission and Proof of Receipt. Buyer Comment (2026-02-23): docs uploaded to [Redacted] Reviewer Comment (2026-02-19): This is a material exception on a rescindable transaction and requires reopening of rescission and proof of delivery of RTC to complete cure. Further, the RTC must allow the borrower three days to cancel the transaction from date of delivery. Buyer Comment (2026-02-18): See docs provided Reviewer Comment (2026-02-05): The payoff statement fee does not appear to be excluded under [Redacted].(4)(c)(7). Per [Redacted] the following fees are excluded from the finance charge calculation. (i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. (ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents. (iii) Notary and credit-report fees. (iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations. (v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge. If the fee name does not accurately describe the fee purpose, please provide a LOE and [Redacted] would gladly re-review our position. Buyer Comment (2026-02-04): see [Redacted] |
02/24/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | C | B | A | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30082 | 35967413 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | Reviewer Comment (2026-02-23): Docs provided. Reviewer Comment (2026-02-05): Received E-Sign Consent Agreement not delivered to Borrower(s) within three [Redacted] business days of application date. Please Provide E-Sign Consent Agreement with in three [Redacted] business days of application date. Exception remains. Buyer Comment (2026-02-04): see attached esign |
02/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30082 | 35967416 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three days of application. | Reviewer Comment (2026-02-20): Provided early ARM disclosure matching intent to proceed date Buyer Comment (2026-02-19): see attached disclosure |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30440 | 35986690 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Reviewer Comment (2026-04-02): Received and associated Final Title. Exception Cleared |
04/02/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30440 | 35986719 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception in file for DSCR under [Redacted], missing exception from [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-13): Lender exception in file. Seller Comment (2026-04-08): approval attached Reviewer Comment (2026-04-03): Missing lender exception showing approved by [Redacted]. Seller Comment (2026-04-01): approved on [Redacted] Reviewer Comment (2026-03-20): Provide lender exception from [Redacted] when received. Seller Comment (2026-03-18): Guideline Exception Description: Guidelines state DSCR ratio to be [Redacted] Asking to proceed with [Redacted] Compensating Factors: [Redacted] Reviewer Comment (2026-03-13): Missing exception from [Redacted]. Seller Comment (2026-03-11): Guidelines state DSCR ratio to be [Redacted] Asking to proceed with [Redacted] Compensating Factors: R LTV less than [Redacted]%, AND at least [Redacted]% less than guideline maximum |
04/13/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30440 | 35993120 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Reviewer Comment (2026-04-02): Received and associated Final Title. Exception Cleared Seller Comment (2026-04-01): title attached |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30146 | 35993658 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three ([Redacted]) business days of application. | Reviewer Comment (2026-03-19): [Redacted] received updated E-sign Consent agreement with eConsent accepted by borrower on [Redacted]. Seller Comment (2026-03-17): e consent attached |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026NQM30146 | 36016106 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Loan approved as a Condotel. Appraisal does not reflect Condotel. Clarification required. | Reviewer Comment (2026-03-19): Explanation provided. Seller Comment (2026-03-17): To the best of my knowledge, an appraisal doesn't have a "[Redacted]" box to check. There could be comments by the appraiser alluding to such but it's still a condo and would be completed on a condo form 1073. The condotel status is more about how the project operates. I marked it as a condotel because both FNMA and FHLMC websites have it coded as such. Thank you. |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30146 | 36017300 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing signed 4506-C. | Reviewer Comment (2026-03-19): Documentation provided; exception cleared. Seller Comment (2026-03-17): [Redacted] attached |
03/19/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | C | A | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30031 | 36007095 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | The COC did not disclose the reason for the decrease in lender credit, no cure provided. | Reviewer Comment (2026-03-25): [Redacted] received COC and LOE suffice Seller Comment (2026-03-24): Attached Reviewer Comment (2026-03-23): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the lender credit was decreased. In order to determine if the changed circumstance is valid more information is necessary on reason for the credit decrease and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2026-03-19): Per lock exception pricing was added causing this difference |
03/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30031 | 36015934 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Approved lender exception in file to proceed with [Redacted]% LTV/CLTV on a cash out refi of rural property | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. [Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-11): Lender exception in file. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026NQM30031 | 36015935 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Approved lender exception in file to proceed with [Redacted]% LTV/CLTV on a cash out refi of rural property | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income. [Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
SitusAMC SitusAMC Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-11): Lender exception in file. |
03/11/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| GCAT2026NQM30148 | 36049084 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | DLA for primary mortgage is [Redacted]5. Loan closed [Redacted] and application date is [Redacted]. Provide the current mortgage history. | Reviewer Comment (2026-03-24): Evidence of current mortgage payments were provided. Reviewer Comment (2026-03-23): The received document is missing the [Redacted] mortgage payment. Please provide the mortgage payment history for [Redacted]. The exception remains. Seller Comment (2026-03-19): Attached |
03/24/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30464 | 36030610 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. Insufficient documented reserves. | Reviewer Comment (2026-04-03): Invoice for appraisal provided, exception cleared. |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||
| GCAT2026NQM30464 | 36030618 | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property Submitted as QM Test | Ability-to-Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to TILA Ability-to-Repay requirements under 1026.43 based on deal settings. | Reviewer Comment (2026-04-10): Client elects to waive. Seller Comment (2026-04-08): Please waive |
04/10/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | A | B | B | A | A | Safe Harbor QM (APOR) | N/A | No | ||||||||||||||
| GCAT2026NQM30416 | 36016234 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Exception is required as ROV was Completed which resulted in increase in 1007 Value. Provide approval from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): The client elects to waive Seller Comment (2026-03-19): ATTACHED |
03/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30491 | 36035803 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for Roof over [Redacted] years insured at actual cash value instead of full replacement cost. Client must approve. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Borrower has owned subject for at least [Redacted] years. Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-06): Lender exception in file. Seller Comment (2026-04-02): Approval already in the file |
04/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30491 | 36058307 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | The blanket HOI provided for the HOA reflects $[Redacted] for the building coverage where the subject property is located. | Reviewer Comment (2026-05-01): Explanation provided, exception cleared. Seller Comment (2026-04-29): Agreed value applies to each designated location and is a predetermined amount set by the insurer and policyholder (HOA) at the start of coverage, ensuring [Redacted] in case of a claim. This approach eliminates concerns about depreciation and benefits owners of unique or high-value properties. Unit has an agreed value limit of the total [Redacted] building limit. Reviewer Comment (2026-04-06): Please clarify "agreed value" Seller Comment (2026-04-02): Policy shows "agreed value" on page [Redacted] of [Redacted] |
05/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30491 | 36058309 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HO6 policy has [Redacted] in the main address vs. all other documents which do not. | Reviewer Comment (2026-05-04): Received and associated updated Hazard Insurance Policy. Exception cleared. Seller Comment (2026-04-30): property address updated on HOI Seller Comment (2026-04-30): haz |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30491 | 36058310 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Cert has Condo in the main address vs. all other documents which do not. | Reviewer Comment (2026-05-04): Documentation provided; exception cleared. Seller Comment (2026-04-30): flood cert updated Seller Comment (2026-04-30): flood cert |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30035 | 36036208 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception is provided for 'subject being a [Redacted]-unit property and both units have less than the [Redacted] square foot minimum requirement. Client must approve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): The client elects to waive. Seller Comment (2026-03-19): ATTACHED |
03/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30024 | 36049356 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. | Reviewer Comment (2026-03-20): [Redacted]received [Redacted]Initial CD, [Redacted] business days prior to the consummation. Seller Comment (2026-03-19): ATTACHED |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30024 | 36049357 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. No valid changed circumstance was provided. No cure was provided to the Borrower. | Reviewer Comment (2026-03-20): [Redacted] received [Redacted] Initial CD with valid changed circumstances. Seller Comment (2026-03-19): ICD |
03/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30024 | 36052095 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing income documentation such as an Operating agreement, Articles of Incorporation, or equivalent stating ownership percentage. | Reviewer Comment (2026-03-23): Received the CPA letter dated within [Redacted] days prior to closing, which verifies the ownership percentage. Exception Cleared. Seller Comment (2026-03-19): ATTACHED |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30024 | 36052100 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing income documentation such as an Operating agreement, Articles of Incorporation, or equivalent stating ownership percentage. | Reviewer Comment (2026-03-23): Received the CPA letter dated within [Redacted] days prior to closing, which verifies the ownership percentage. Exception Cleared. Seller Comment (2026-03-19): ATTACHED |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30024 | 36052101 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing income documentation such as an Operating agreement, Articles of Incorporation, or equivalent stating ownership percentage. | Reviewer Comment (2026-03-23): Received the CPA letter dated within [Redacted] days prior to closing, which verifies the ownership percentage. Exception Cleared. Seller Comment (2026-03-19): ATTACHED |
03/23/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30479 | 36054907 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for primary housing payment history less than [Redacted] month. Borrower purchased primary [Redacted] and lived rent free prior to. Client to approve. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC |
Reviewer Comment (2026-03-23): The client elects to waive. Seller Comment (2026-03-20): approval attached |
03/23/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30382 | 36054645 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Page [Redacted] of the Final CD does not reflect a reason for no escrows established. | Reviewer Comment (2026-04-06): [Redacted] received Letter of explanation and Corrected Closing disclosure. Seller Comment (2026-04-03): PCCD, LOX |
04/06/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30382 | 36062929 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | HOA and HO6 independent policy does not reflect mortgagee + ISAOA. | Reviewer Comment (2026-04-21): Documentation provided; exception cleared. Seller Comment (2026-04-17): updated dec, haz ins Seller Comment (2026-04-17): EOI |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30382 | 36064052 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment (2026-04-07): Received and associated Debt Monitoring report. Exception Cleared. Seller Comment (2026-04-03): gap [Redacted] |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30382 | 36064094 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA: Unit number is missing | Reviewer Comment (2026-04-21): Documentation provided; exception cleared. Seller Comment (2026-04-17): updated CDA Seller Comment (2026-04-17): cda Reviewer Comment (2026-04-07): CDA does not match Note address. Seller Comment (2026-04-03): Unit number is on the CDA is legal description section |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | D | B | D | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30497 | 36088548 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Blanket condo coverage reflects future dates [Redacted] - [Redacted] for property/building coverage. | Reviewer Comment (2026-05-04): Master policy was provided. Seller Comment (2026-05-04): [Redacted] > the corrected COI for this account. send to the investor Reviewer Comment (2026-05-01): For the condo property, blanket coverage for the entire building is required. Master policy has been received with a future effective date; however, a prior Master Policy covering the note date is required. Exception Remains. Seller Comment (2026-04-29): We do not insure the person. Sincerely, [Redacted] Reviewer Comment (2026-04-20): Provided Blanket coverage policy effective date is not within the note date. Please provide the blanket hazard policy within the note date. Exception remains. Seller Comment (2026-04-16): please check section B Seller Comment (2026-04-16): effective date [Redacted] Reviewer Comment (2026-04-06): Received same documents which were available in file. The Blanket condo coverage insurance declarations page in the file verified an effective date of [Redacted] which is after the consummation date of [Redacted]. Please Provide a revised Blanket condo coverage insurance. Exception remains. Seller Comment (2026-04-02): effective date [Redacted] |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30497 | 36088687 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags on fraud report have not been addressed | Reviewer Comment (2026-04-06): Documentation provided; exception cleared. Seller Comment (2026-04-02): No Freedom due to watchlist hits for Title/Settlement Agent |
04/06/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30422 | 36088341 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | All Red flags are not addressed on the Fraud Report | Reviewer Comment (2026-03-31): Documentation provided; exception cleared. Seller Comment (2026-03-27): DSCR-No mer or REO required Final Fraud cleared |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30424 | 36079949 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Missing lease agreements. Appraisal reflects property is tenant occupied. | Reviewer Comment (2026-03-23): Received and associated Lease Agreement. Exception cleared. Seller Comment (2026-03-19): Lease agreement #[Redacted] Seller Comment (2026-03-19): Lease agreement # [Redacted] |
03/23/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30470 | 36084508 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Initial Closing Disclosure not provided to Borrower(s) at least three ([Redacted]) business days prior to closing date of [Redacted]. | Reviewer Comment (2026-04-02): [Redacted] received CD dated [Redacted] Seller Comment (2026-04-01): ICD [Redacted] |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | No Defined Cure | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30470 | 36091654 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Per [Redacted] guidelines, any use of business funds requires an access letter from other owners of the business. | Reviewer Comment (2026-04-03): Received and associated access letter from other owners of the business. Exception cleared. Seller Comment (2026-04-01): LOE |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30470 | 36091659 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Per [Redacted] guidelines, any use of business funds requires an access letter from other owners of the business. | Reviewer Comment (2026-04-03): Received and associated access letter from other owners of the business. Exception cleared. Seller Comment (2026-04-01): LOE |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30470 | 36091662 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Insufficient assets verified for reserves. | Reviewer Comment (2026-04-03): Received and associated access letter from other owners of the business. Exception cleared. Seller Comment (2026-04-01): LOE |
04/03/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30470 | 36091663 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Insufficient assets verified for reserves. | Reviewer Comment (2026-04-03): Received and associated access letter from other owners of the business. Exception cleared. Seller Comment (2026-04-01): LOE |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30421 | 36096287 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per updated matrix, minimum for C/O is [Redacted]. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-15): The client elects to waive. Seller Comment (2026-04-10): ATTACHED |
04/15/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30389 | 36089168 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Red flags on fraud report have not been addressed | Reviewer Comment (2026-04-14): Documentation provided; exception cleared. Seller Comment (2026-04-10): Fraud alert showing alerts cleared provided |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30389 | 36096350 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title is currently vested in [Redacted] Title Trust No. [Redacted]. Deeded to borrower at closing. Provide evidence of ownership in Chicago Title Trust. (Refinance) | Reviewer Comment (2026-04-09): Documentation provided; exception cleared. Seller Comment (2026-04-07): Deed provided |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30389 | 36096365 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Per updated matrix, minimum FICO is [Redacted]. | Reviewer Comment (2026-04-22): Received and associated updated Loan Underwriting and Transmittal Summary (1008) / [Redacted] showing correct credit score is [Redacted]. Exception Cleared. Seller Comment (2026-04-18): See section [Redacted] ([Redacted]) of guidelines, the credit report provided 3 credit scores, the middle credit score of [Redacted] was used Reviewer Comment (2026-04-14): Received document 1008 indicates a credit score of [Redacted]. However, as per the credit report, the Representative FICO score is [Redacted]. Please provide the updated credit report. Exception remains. Seller Comment (2026-04-10): 1008 provided showing correct credit score is [Redacted] |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30418 | 36087250 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-03-20): Client elects to waive. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30418 | 36089323 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | The City on Flood Cert reflects [Redacted]. The City on the Note reflects [Redacted]. | Reviewer Comment (2026-04-03): Documentation provided; exception cleared. Seller Comment (2026-04-03): Attached |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30341 | 36109866 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing [Redacted] months housing history for subject. | Reviewer Comment (2026-04-17): Documentation provided; exception cleared. Seller Comment (2026-04-15): Shellpoint VOM Seller Comment (2026-04-15): VOM |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30467 | 36090966 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Reviewer Comment (2026-04-01): Client elects to waive. |
04/01/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30467 | 36091012 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Reviewer Comment (2026-04-10): Received and associated Hazard insurance coverage amount. Exception Cleared Seller Comment (2026-04-08): ATTACHED |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026NQM30467 | 36092245 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing gap credit or Undisclosed Debt Monitoring report dated no more than [Redacted] days prior to loan closing or any time after closing. |
Reviewer Comment (2026-04-03): Documentation provided; exception cleared. Seller Comment (2026-04-01): [Redacted] |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30467 | 36110224 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Flood insurance binder does not match Note address. | Reviewer Comment (2026-04-10): Documentation provided; exception cleared. Seller Comment (2026-04-08): Attached |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | B | C | B | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30366 | 36084437 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Subject is less than [Redacted]., lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-01-21): Lender exception provided. |
01/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30366 | 36084438 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Max LTV for non-warrantable condo is [Redacted]%, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | SitusAMC SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-01-21): Lender exception provided. |
01/21/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30373 | 36084443 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for [Redacted] and no separate bedroom are approved contingent on an an approved arc home collateral review report is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
Fico is [Redacted] points above guideline minimum. | SitusAMC Originator,SitusAMC |
Reviewer Comment (2026-02-04): Lender exception in file. |
02/04/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30373 | 36084444 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Operating Agreement [Redacted] Missing from the file. | Reviewer Comment (2026-03-09): Per the client, they are accepting the Correction Instrument to correct all name's mislabled including the Note. Reviewer Comment (2026-03-09): Correction Instrument was provide to correct the Deed of Trust. Please provide the corrected Note with an LOE to the borrower with proof of delivery. Buyer Comment (2026-03-09): correction docs Reviewer Comment (2026-02-12): Waiting for corrected documentation. Buyer Comment (2026-02-09): Per title loan was to be vesting in [Redacted]. Lender to obtain corrected note/mortgage Reviewer Comment (2026-02-09): Received operating agreement for '[Redacted]', please provide the operating agreement for '[Redacted]'. Exception Remains. Buyer Comment (2026-02-05): see attached op agreement |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30373 | 36084445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Articles of Formation [Redacted] missing from the file | Reviewer Comment (2026-03-09): Per the client, they are accepting the Correction Instrument to correct all name's mislabled including the Note. Reviewer Comment (2026-03-09): Correction Instrument was provide to correct the Deed of Trust. Please provide the corrected Note with an LOE to the borrower with proof of delivery. Buyer Comment (2026-03-09): correction docs Reviewer Comment (2026-02-12): Waiting for corrected documentation. Buyer Comment (2026-02-09): formation docs -Per title loan should have been vested in "[Redacted]". |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30373 | 36084446 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [Redacted] missing from the file | Reviewer Comment (2026-03-09): Per the client, they are accepting the Correction Instrument to correct all name's mislabled including the Note. Reviewer Comment (2026-03-09): Correction Instrument was provide to correct the Deed of Trust. Please provide the corrected Note with an LOE to the borrower with proof of delivery. Buyer Comment (2026-03-09): correction docs Reviewer Comment (2026-02-12): Waiting for corrected documentation. Buyer Comment (2026-02-09): EIN attached. Per title loan should have been vested in "[Redacted]". |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30373 | 36084447 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | [Redacted] missing from the file | Reviewer Comment (2026-03-09): Per the client, they are accepting the Correction Instrument to correct all name's mislabled including the Note. Reviewer Comment (2026-03-09): Correction Instrument was provide to correct the Deed of Trust. Please provide the corrected Note with an LOE to the borrower with proof of delivery. Buyer Comment (2026-03-09): correction docs Reviewer Comment (2026-02-12): Waiting for corrected documentation. Buyer Comment (2026-02-09): [Redacted]- Per title loan should have been vested in "[Redacted]". |
03/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30320 | 36084462 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-03): [Redacted] received corrected PCCD and LOE moving the borrower shopped fees from section B to C. Buyer Comment (2026-02-27): CD |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30320 | 36084463 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-03-03): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. Buyer Comment (2026-03-02): CTC is on page [Redacted] of the final CD for the appraisal condition. Buyer Comment (2026-03-02): PCCD |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30320 | 36084465 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-03): Sufficient Cure Provided At Closing |
03/03/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||||
| GCAT2026NQM30350 | 36092710 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing gap credit or Undisclosed Debt Monitoring report dated no more than 10 days prior to loan closing or any time after closing. |
Reviewer Comment (2026-04-02): Documentation provided; exception cleared. Seller Comment (2026-03-31): gap credit disclosures Seller Comment (2026-03-31): credit letter attached |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30350 | 36092730 | Credit | System | General | System | Security Instrument address does not match Note address. | Address does not match the note address. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-17): Client elects to waive with comp factors. Seller Comment (2026-04-15): ou can downgrade to a [Redacted] with comp factors as well. Reviewer Comment (2026-04-02): All docs must match the Note. Provide updated docs, or corrected Note. You can downgrade to a [Redacted] with comp factors as well. Seller Comment (2026-03-31): [Redacted] > per [Redacted] the address is correct [Redacted] [Redacted] |
04/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30350 | 36092731 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Address does not match the note address. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-17): Client elects to waive with comp factors. Seller Comment (2026-04-15): . You can downgrade to a [Redacted] with comp factors as well. Reviewer Comment (2026-04-02): All docs must match the Note. Provide updated docs, or corrected Note. You can downgrade to a [Redacted] with comp factors as well. Seller Comment (2026-03-31): [Redacted] > per [Redacted] the address is correct [Redacted] [Redacted] |
04/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30350 | 36092732 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Address does not match the note address. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-17): Client elects to waive with comp factors. Seller Comment (2026-04-15): . You can downgrade to a [Redacted] with comp factors as well. Reviewer Comment (2026-04-02): All docs must match the Note. Provide updated docs, or corrected Note. You can downgrade to a [Redacted] with comp factors as well. Seller Comment (2026-03-31): [Redacted] > per [Redacted] the address is correct [Redacted] [Redacted] |
04/17/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30499 | 36089589 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved lender exception for DSCR under [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves | Aggregator,SitusAMC | Reviewer Comment (2026-03-20): Lender exception in file. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30499 | 36089656 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | CDA reflects address with a unit #[Redacted]. Note does not have a unit number. | Reviewer Comment (2026-04-27): Documentation provided; exception cleared. Seller Comment (2026-04-23): updated CDA Seller Comment (2026-04-23): cda |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30004 | 36091058 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-18): Sufficient Cure Provided At Closing |
03/18/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30452 | 36095236 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender exception in file for Ineligible property due to [Redacted] footage smaller than [Redacted]. ([Redacted] units at [Redacted]) | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-20): Lender exception in file. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30452 | 36095244 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Address discrepancy: Title address reflects [Redacted]-[Redacted]. Note reflects[Redacted] | Reviewer Comment (2026-04-09): Documentation provided; exception cleared. Seller Comment (2026-04-07): Title supp provided showing corrected address |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30452 | 36095403 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Hazard insurance has two (2) separate policies. [Redacted] for [Redacted] which is what the Note reflects. The 2nd is for [Redacted]. | Reviewer Comment (2026-04-14): Documentation provided; exception cleared. Seller Comment (2026-04-10): There are [Redacted] policies ([Redacted] units total) in which the escrowed amount covers both. Reviewer Comment (2026-04-09): Please clarify how many policies there are for the subject, and total amount of premium. Seller Comment (2026-04-07): Please advise what is needed to clear. Tax cert reflects just [Redacted]. although there is [Redacted] units |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30452 | 36110835 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-20): Lender exception in file. |
03/20/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30338 | 36117061 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Max for DSCR <[Redacted] per updated matrix. | Reviewer Comment (2026-04-20): Documentation provided; exception cleared. Reviewer Comment (2026-04-13): DSCR (Rental) Ratio = Monthly Qualifying Rental Income ÷ Monthly Debt Obligation (PITIA + HOA + Tax). [Redacted]=[Redacted]/[Redacted]([Redacted]+[Redacted]+[Redacted]). Exception remains. Seller Comment (2026-04-09): Please provide calculation Reviewer Comment (2026-04-09): We used amount from 1007, calculated DSCR is [Redacted]. Seller Comment (2026-04-07): DSCR calc is[Redacted] as amount from 1007 used. This would put max LTV at [Redacted]% |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30387 | 36098074 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HOI reflects E at the end of the main address | Reviewer Comment (2026-04-14): Received and Associated Hazard insurance policy. Exception cleared. Seller Comment (2026-04-13): ATTACHED |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30387 | 36098077 | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. | Flood Cert reflects E at the end of the main address | Reviewer Comment (2026-04-10): Documentation provided; exception cleared. Seller Comment (2026-04-08): Attached |
04/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30387 | 36098079 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal reflects E at the end of the main address | Reviewer Comment (2026-04-16): Documentation provided; exception cleared. Reviewer Comment (2026-04-10): The appraisal address was not updated, exception remains. Seller Comment (2026-04-08): Attached |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30387 | 36098090 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Flood Insurance reflects E at the end of the main address | Reviewer Comment (2026-04-21): Documentation provided; exception cleared. Seller Comment (2026-04-17): updated flood insurance, sorry for duplicates. issue uploading. Seller Comment (2026-04-17): eoi Seller Comment (2026-04-17): flood EOI Seller Comment (2026-04-17): Attached Seller Comment (2026-04-17): Flood INS |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30387 | 36117126 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception in file. Client must approve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
[Redacted] months reserves | Aggregator,SitusAMC SitusAMC |
Reviewer Comment (2026-04-07): Lender exception provided. Seller Comment (2026-04-03): Attached |
04/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30448 | 36095931 | Compliance | Compliance | State Compliance | State Defect | [Redacted] Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not Signed by All Borrowers) | [Redacted] Home Loan: Receipt of [Redacted] Complaint Agency Disclosure specifying the agency designated to receive complaints or inquiries about the origination and making of the loan acknowledged by one borrower, but not all borrowers on the transaction. | Reviewer Comment (2026-04-09): Client elects to waive. Seller Comment (2026-04-07): Lender accepts risk grade 2 please waive. |
04/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | "Within forty-five days of the loan closing and before the institution of an action pursuant to this article, the lender notifies the borrower of the compliance failure, makes appropriate restitution, and makes necessary adjustments to the loan to make the consumer home loan satisfy the requirements of Section 37-23-70, 37-23-75, or 37-23-80 Provide copy of LOE to borrower notifying consumer of error, provide copy of disclosure signed by all consumers, and proof of mailing within 45 days of consummation." |
D | B | D | A | B | B | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30448 | 36118969 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment (2026-04-09): Received and associated CoreLogicLoan Quality Debt Monitoring. Exception cleared. Seller Comment (2026-04-07): UDM provided |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30448 | 36119101 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | Transfer letter not provided | Reviewer Comment (2026-04-09): Client elects to waive. Seller Comment (2026-04-07): Lender accepts risk grade 2 please waive. |
04/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | D | B | D | A | B | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30351 | 36100256 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-04-17): Received and associated Replacement cost estimator. Exception cleared. Seller Comment (2026-04-15): replacement cost estimator Reviewer Comment (2026-04-13): Received same HOI policy which was already available in file. HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains. Seller Comment (2026-04-09): HOI attached Reviewer Comment (2026-03-25): Received same documents which were available in file. HOI coverage insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. Exception Remains. Seller Comment (2026-03-23): send over updated HOI to investor |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30451 | 36098791 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-03-19): Sufficient Cure Provided At Closing |
03/19/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30402 | 36117336 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Title Policy: A is missing from the Unit number | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-22): Borrower elects to waive with comp factors. Seller Comment (2026-04-20): down grade Reviewer Comment (2026-04-17): If you want to update the Note address and other documentation to match the title, you can. Otherwise we need all docs to match the Note or you can downgrade to a B grade. Seller Comment (2026-04-15): title has the right address Reviewer Comment (2026-04-07): We do not go by [Redacted], we go by the Note address, all docs must match. Seller Comment (2026-04-03): Could you please update the address in our system to correct the information? See [Redacted] address attached [Redacted] [Redacted] |
04/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30402 | 36117350 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | Appraisal and CU: A is missing from the Unit number | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-22): Borrower elects to waive with comp factors. Seller Comment (2026-04-20): downgrade Reviewer Comment (2026-04-17): You can update the Note and other docs, correct the appraisal, or waive to a [Redacted]. Seller Comment (2026-04-15): appraisal has the right address Reviewer Comment (2026-04-07): We do not go by [Redacted], we go by the Note address, all docs must match. Seller Comment (2026-04-03): Could you please update the address in our system to correct the information? See [Redacted] address attached [Redacted] [Redacted] |
04/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30402 | 36117353 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | HO6: A is missing from the Unit number ; Blanket: Unit number reflects S vs. A. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-22): Borrower elects to waive with comp factors. Seller Comment (2026-04-20): down grade |
04/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30455 | 36122362 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | Flood insurance does not reflect mortgagee + ISAOA. | Reviewer Comment (2026-04-09): Received and associated updated Flood Insurance Policy. Exception cleared. Seller Comment (2026-04-07): Flood doc provided |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30455 | 36122447 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Non-arm length transactions are ineligible for the DSCR program. Lender exception in file. Client must approve. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-09): Lender exception in file. Seller Comment (2026-04-07): UW exception provided |
04/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30455 | 36129010 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | Provide the updated appraisal to reflect Non-Arms. Purchase contract reflects the Guarantor as the Listing Licensee and Buyer's Licensee. Guarantor LOE stated another employee in her office is the agent, however the purchase contract states otherwise. | Reviewer Comment (2026-04-14): Received and associated corrected Appraisal. Exception cleared. Seller Comment (2026-04-10): Corrected appraisal provided |
04/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30528 | 36122528 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per updated matrix, minimum [Redacted] FICO for C/O. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-05): The client elects to waive. Reviewer Comment (2026-04-09): Based on the [Redacted] Guidelines effective through [Redacted], for DSCR > [Redacted] Investment Properties under the Cash-Out - Other matrix, the representative FICO score of [Redacted] does not meet the minimum guideline requirement of [Redacted]. Exception remains. Seller Comment (2026-04-07): Please advise which Matrix |
05/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30332 | 36119391 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 | Note Date: ___; Lien Position: ___ | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. The Loan to Value (LTV) on the loan is less than or equal to [Redacted]%. The representative FICO score is above [Redacted]. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-08): The Client elects to waive as is Seller Comment (2026-04-07): Please accept as is Reviewer Comment (2026-04-06): Please accept this exception as is, it simply states loan was approved with an appraisal waiver and the secondary supports the value. Seller Comment (2026-04-02): The LP Feedback Certificate reflects the loan is eligible for collateral representation and warranty relief with an appraisal waiver through [Redacted] and states an appraisal is not required. EarlyCheck also reflects DU Special Feature Code [Redacted] Value Acceptance (Appraisal Waiver). [Redacted] underwriting conditions in file state that the AVM was received and supports value, and that LP feedback allows appraisal waiver with AVM required. Per the applicable FNMA/FHLMC Second Home product and [Redacted] Appraisal Valuation Requirements, PIW/ACE is permitted with an AVM. Please Cancel. |
04/08/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Second Home | Refinance - Rate/Term | B | B | A | A | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30442 | 36127797 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-01): Received and associated Fraud Report. Exception cleared. Seller Comment (2026-03-31): [Redacted] Score [Redacted] Seller Comment (2026-03-31): [Redacted] report |
04/01/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| GCAT2026NQM30442 | 36128437 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. | Reviewer Comment (2026-04-02): Documentation provided; exception cleared. Seller Comment (2026-03-31): [Redacted] report |
04/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30489 | 36122530 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Per updated matrix, minimum [Redacted] FICO for C/O. | Borrower has owned the subject property for at least [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-05): The client elects to waive. |
05/05/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30457 | 36128353 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | A complete Note document was not provided. Missing pages [Redacted] and [Redacted]. | Reviewer Comment (2026-04-14): Received and associated Note document. Exception cleared. Seller Comment (2026-04-10): Note provided |
04/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30456 | 36139255 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided | The Operating Agreement requires a Unanimous Consent. | Reviewer Comment (2026-04-07): Received and associated Corporate Resolution. Exception cleared. Seller Comment (2026-04-03): ATTACHED |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30335 | 36155059 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Assignment of Leases/Rents not provided | Reviewer Comment (2026-04-15): Received and associated Assignment of Leases/Rents. Exception cleared. Seller Comment (2026-04-14): ATTACHED |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30335 | 36155065 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | Reviewer Comment (2026-04-15): Received and associated Security Instrument - Subject Lien. Exception cleared. Seller Comment (2026-04-14): DOT |
04/15/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30335 | 36166477 | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided | File is missing the fully executed/complete CD/HUD/Closing statement | Reviewer Comment (2026-04-14): Documentation provided; exception cleared. Seller Comment (2026-04-10): [Redacted] loan - CD attached from closing |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30335 | 36166594 | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete | Final 1003 for Co-Borrower Catherine. | Reviewer Comment (2026-04-07): Received and associated 1003 final. Exception cleared. Seller Comment (2026-04-03): 1003 |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30335 | 36166641 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title Error: Title vesting does not concur with deed | The Final Title does not list the vested parties. Further, the recorded mortgage is only in [Redacted] name when both [Redacted] and [Redacted] are on the loan. | Reviewer Comment (2026-04-14): Per client, other borrower is not vested. Seller Comment (2026-04-10): Non-vesting co-borrower |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30335 | 36166717 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | DSCR < [Redacted] requires a [Redacted] FICO. Lender exception in file for DSCR < [Redacted] vs. FICO. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves | Aggregator,SitusAMC | Reviewer Comment (2026-04-07): Lender exception provided. Seller Comment (2026-04-03): Attached |
04/07/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30335 | 36176517 | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided | Reviewer Comment (2026-04-14): Received and associated LOE for Cash-Out. Exception cleared. Seller Comment (2026-04-10): LOE Reviewer Comment (2026-04-07): LOE explaining purpose of Cash-Out Utilization is required. Exception Remains. Seller Comment (2026-04-03): Please advise what is needed, this is a DSCR loan |
04/14/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30335 | 36176529 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Documents in file are not executed. | Reviewer Comment (2026-04-07): Received and associated Business Purpose Certificate. Exception cleared. Seller Comment (2026-04-03): Attached |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30428 | 36154738 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-09): [Redacted] received PCCD, Letter of Explanation and Payment history for the evidence of Principal Reduction resulting in a cured the exception. Seller Comment (2026-04-07): PCCD provided with [Redacted] of $[Redacted]for increase in fee |
04/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | B | A | A | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30398 | 36171770 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | Dry State: The Hazard Insurance Policy Effective Date is after the later of the disbursement, note or transaction date. | Reviewer Comment (2026-04-15): Evidence of funding date and the insurance effective date were the same was provided. Seller Comment (2026-04-10): Loan disbursed - [Redacted] Haz effective - [Redacted] We do not go off the note date, but funding for HOI to be effective and this is acceptable per our guidelines please clear. Reviewer Comment (2026-04-09): Received the closing statement; however, the closing disclosure or a hazard insurance policy effective on or before the loan consummation date is required. Exception remains Seller Comment (2026-04-08): Final SS confirms loan disbursed [Redacted], date HOI is effective |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30398 | 36193178 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | A gap credit or Undisclosed Debt Monitoring report is required no more than [Redacted] days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. |
Reviewer Comment (2026-04-20): Documentation provided; exception cleared. Reviewer Comment (2026-04-14): A Gap Credit Report or an Undisclosed Debt Monitoring (UDM) report is required within [Redacted] days prior to loan closing .Exception remains. Seller Comment (2026-04-10): This is acceptable as it ran from [Redacted] - [Redacted] and the [Redacted] days falls within that period of time. Please clear. Reviewer Comment (2026-04-09): The loan closing date is [Redacted]. The Undisclosed Debt Monitoring report was received with an order date of [Redacted], which is more than [Redacted] days prior to loan closing. Exception Remains. Seller Comment (2026-04-08): UDM provided |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Second Home | Purchase | D | A | D | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30388 | 36232645 | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | Reviewer Comment (2026-04-14): Received and associated Note document. Exception cleared. Seller Comment (2026-04-10): Note provided |
04/14/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30388 | 36232730 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Using new lease of $[Redacted]/month instead of Market Rent of $[Redacted]/month, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-06): Lender exception in file. |
04/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30388 | 36233167 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Missing New Lease agreement used for Lender Exception, documenting new monthly rental amount as $[Redacted]. Proof of [Redacted] month receipt of rent required per approval in file. | Reviewer Comment (2026-04-22): Received and associated Lease Agreement and deposit receipt. Exception cleared. Seller Comment (2026-04-18): Lease deposit/rent Seller Comment (2026-04-18): receipt Reviewer Comment (2026-04-14): The new lease agreement has been received; however, proof of receipt for one month's rent is required. The exception remains. Seller Comment (2026-04-10): Lease and bank statement provided |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Purchase | D | B | D | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30446 | 36199050 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-09): [Redacted] received valid COC document Seller Comment (2026-04-07): [Redacted] provided showing change in pricing due to lock extension |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30460 | 36221841 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | lease agreement not in file | Reviewer Comment (2026-04-13): Received and associated Lease Agreement. Exception cleared. Seller Comment (2026-04-09): Lease agreement attached |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30459 | 36222270 | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided | Copy of Lease not provided in the file | Reviewer Comment (2026-04-09): Received and associated Lease Agreement. Exception cleared. Seller Comment (2026-04-07): Attached |
04/09/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30486 | 36245274 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Documented coverage amount is $[Redacted]. Replacement cost estimate was $[Redacted]. Loan amount of $[Redacted]. Coverage shortfall of $[Redacted]. | Reviewer Comment (2026-05-04): Evidence of dwelling coverage increase was provided. Seller Comment (2026-05-04): HOI |
05/04/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30486 | 36245302 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender requested exception for no central air in subject property. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves LTV is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-09): Lender exception in file. Seller Comment (2026-04-07): Please advise what more is needed |
04/09/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30407 | 36248357 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The commitment or preliminary title policy is within [Redacted] and does not reflect a coverage amount. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-05-06): The client elects to waive. Reviewer Comment (2026-04-21): $[Redacted] is not the correct amount, should reflect $[Redacted]. Seller Comment (2026-04-17): [Redacted] [Redacted] > The proposed insured supplement attached shows the proposed insured and loan amount We do not include that information on the [Redacted] Reviewer Comment (2026-04-10): Doc provided reflects $[Redacted], not $[Redacted]. Seller Comment (2026-04-08): supplement attached |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30407 | 36252572 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | FTI requires DSCR of [Redacted], lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-07): Lender exception in file. |
04/07/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30449 | 36251829 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Provide rent free letter from owner of current primary, or verify borrower owns primary and it is free and clear. | Reviewer Comment (2026-04-13): Documentation provided; exception cleared. Seller Comment (2026-04-09): She is on the deed, taxes and the insurance. Please see the attachment showing no mortgagee. Thanks |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30399 | 36252241 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | - | Reviewer Comment (2026-04-21): Received and associated Final Inspection / 442 document. Exception Cleared. Seller Comment (2026-04-17): Final inspection attached |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | A | A | C | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30349 | 36252470 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Initial Loan Estimate dated [Redacted] was electronically provided prior to borrower's consent to receive electronic disclosures. | Reviewer Comment (2026-04-17): [Redacted] Received Earliest consent dated [Redacted]. Seller Comment (2026-04-16): Accepted by [Redacted] ([Redacted]) on [Redacted] from [Redacted] using Consumer Connect |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30349 | 36257334 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-08): Sufficient Cure Provided At Closing |
04/08/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | A | A | C | A | A | A | Non QM | Non QM | Yes | |||||||||||||
| GCAT2026NQM30331 | 36258247 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing third party verification of how long the borrower has owned her business. | Reviewer Comment (2026-04-13): Documentation provided; exception cleared. Seller Comment (2026-04-09): attached |
04/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30447 | 36257801 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The Title Commitment or Preliminary title policy amount is blank. A Final policy was not provided. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): The client elects to waive. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| GCAT2026NQM30425 | 36257802 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Immediate [Redacted] month housing history was not provided. Lender requested exception for primary residence payment history less than [Redacted] months. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-09): Lender exception in file. |
04/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30444 | 36258007 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception, DSCR score of [Redacted]% minimum requirement is [Redacted]% for a first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
SitusAMC SitusAMC |
Reviewer Comment (2026-04-09): The client elects to waive |
04/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30473 | 36257891 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception requested for DSCR less than [Redacted] for First time investor. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. |
SitusAMC SitusAMC |
Reviewer Comment (2026-04-09): The client elects to waive |
04/09/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30484 | 36260660 | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. | [Redacted] was not found in the mortgagee clause. | Reviewer Comment (2026-04-27): Documentation provided; exception cleared. Seller Comment (2026-04-23): updated declaration Reviewer Comment (2026-04-21): Missing [Redacted]. Seller Comment (2026-04-17): Declarations Page for[Redacted], [Redacted]:T[Redacted], [Redacted]Loan/Contract #: [Redacted] |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30488 | 36266355 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | A Valid COC for the fee increase or a sufficient cure was not provided. | Reviewer Comment (2026-04-17): [Redacted]: Sufficient cure provided. Full cure amount for tolerance violation was provided at closing (on final CD) resulting in a cleared exception. Seller Comment (2026-04-16): CD |
04/17/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30488 | 36269070 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated [Redacted] was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Reviewer Comment (2026-04-24): [Redacted] received e-consent dated [Redacted] Seller Comment (2026-04-23): [Redacted] [Redacted]> Credit consent to investor Reviewer Comment (2026-04-17): The consumer went through the eConsent process on [Redacted] the consumer acknowledged the receipt of the LE on [Redacted]. But the loan application date was [Redacted]. In the event the consumer had not provided eConsent by [Redacted], then the lender should have sent the consumer the Loan Estimate through another means in accordance with the official interpretation reflected in Comment 19(e)(1)(iv)-2. Provide proof borrower was sent Initial LE via other means than electronic delivery, as the e-consent was over [Redacted] business days and acknowledged over [Redacted] business days. The LE would not have been provided electronically if borrower had not e-consented with the [Redacted] business days after application. Seller Comment (2026-04-16): Accepted by [Redacted] on [Redacted] from [Redacted] using Consumer Connect Accepted by [Redacted] on [Redacted]T from [Redacted] using Consumer Connect |
04/24/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30488 | 36298796 | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted] plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-17): Sufficient Cure Provided At Closing |
04/17/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||||||
| GCAT2026NQM30468 | 36269352 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-10): Sufficient Cure Provided At Closing |
04/10/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Purchase | Final CD evidences Cure | A | A | A | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30356 | 36249305 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-02-06): Received secondary valuation CDA with value $[Redacted]. Exception Cleared. Buyer Comment (2026-02-05): see attached CDA |
02/06/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30356 | 36249306 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide the RCE. | Reviewer Comment (2026-03-16): Documentation provided; exception cleared. Buyer Comment (2026-03-15): per lender- This is a refinance and we had the current policy in the file showing that they had insurance. You asked us to up the insurance, which we did. That policy didn't go into effect until the date the insurance was increased.. Reviewer Comment (2026-03-12): Received HOI, dwelling $[Redacted]is not covering the loan amount $[Redacted]. Please provide hazard insurance policy covering the loan amount or Replacement Cost Estimator. Exception remains. Buyer Comment (2026-03-12): docs uploaded Buyer Comment (2026-03-10): please see additional commentary from lender. Please confirm if this will clear. Thank you Lender: This is a refinance and we had the current policy in the file showing that they had insurance. You asked us to up the insurance, which we did. That policy didn't go into effect until the date the insurance was increased. However, the borrower was insured at closing. The insurance company cannot back date a policy when increasing coverage. Buyer Comment (2026-03-10): see attached HOI in effect at closing Reviewer Comment (2026-03-05): Received the hazard insurance policy; however, it is dated post-consummation. A hazard insurance policy dated within the consummation period is required. Exception Remains Buyer Comment (2026-03-04): see attached |
03/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | D | A | C | A | D | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30375 | 36249308 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided | Provide evidence the primary residence is free and clear. | Reviewer Comment (2026-03-04): Received and associated property History Report is showing free and clear. Exception cleared. Buyer Comment (2026-03-02): See attached |
03/04/2026 | 1 | C | A | C | A | C | A | C | A | D | A | [Redacted] | Investment | Refinance - Cash-out - Other | D | A | D | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30355 | 36249436 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) [Redacted] Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | [Redacted] Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | Reviewer Comment (2026-03-05): Lender attestation provided stating applicant did not qualify for a non-HPML loan product. Exception cleared. Buyer Comment (2026-03-03): lender docs Reviewer Comment (2026-02-13): or due diligence reviews, lender or broker attestations are generally not accepted in lieu of documentation evidencing compliance with regulatory requirements. [Redacted]. Code Regs. [Redacted] - Records §A and B(1)(u) provides that a licensee is required to retain "Other documents necessary to prove compliance with any State or federal statute or regulation applicable to the mortgage loan." As such, for the subject loan, an attestation from a Loan Officer stating they communicated the non-HPML options with the consumer to satisfy the requirement under [Redacted]. Code Regs. §§ [Redacted] would not appear to satisfy the requirement to retain documentation to evidence compliance. If there is documentation dated prior to closing evidencing that the consumer was made aware of their Non-HPML options, that could be considered. For example, a copy of the documentation or list of the non-HPML loans the borrower qualified for that was provided or presented to the borrower prior to closing along with the attestation of when and how the other loans were presented to the consumer can be reviewed for consideration. Note that this exception is cited as an [Redacted]-[Redacted] non-material exception and can be waived by the client. Buyer Comment (2026-02-11): Yes, [Redacted]. Code Regs. [Redacted] is the Duty of Care section that outlines in [Redacted] that a licensee has "the duty to provide to a borrower who is offered a higher-priced mortgage loan information about the non-higher-priced mortgage loans that the licensee can make available and for which the borrower may qualify". It is a licensees responsibility to ensure information about non-HPML loans has been presented to the borrower. The lender attestation includes all of the required information, and certifies that the lender has communicated both non-HPML and HPML options with the borrower, as required in the standards above. It does not state a written disclosure is required. Reviewer Comment (2026-01-29): The attestation provided states the borrower qualified for Non-HPML loans. When the borrower qualifies for Non-HPML loans, we need the evidence that these options were disclosed to the borrower (the [Redacted] HPML Disclosure). An attestation will only clear the [Redacted] HPML exception when the lender doesn't offer Non-HPML options or they do but the borrower did not qualify for the Non-HPML options. If borrower did qualify for non-HPML options when offered an HPML, a [Redacted] HPML Disclosure providing information about these non-HPMLs must be provided to the borrower so the borrower is aware of their loan options. Buyer Comment (2026-01-27): docs uploaded |
03/05/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026NQM30355 | 36249437 | Compliance | Compliance | State Compliance | State HPML | [Redacted] HPML Threshold Test Non-Compliant | [Redacted] Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Loan | Reviewer Comment (2026-04-15): Lender attestation received confirming borrower did not qualify for any non-HPML product resulting in the clearing the MD HPML Disclosure exception. Loan is Maryland HPML Complian Buyer Comment (2026-03-06): accept as is Reviewer Comment (2026-03-05): Lender attestation received confirming borrower did not qualify for any non-HPML product resulting in the clearing the MD HPML Disclosure exception. Loan is [Redacted] HPML Compliant. Reviewer Comment (2026-01-29): Please accept as is. Buyer Comment (2026-01-27): docs uploaded |
04/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026NQM30355 | 36249440 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing CPA Verification. | Reviewer Comment (2026-01-13): Received and associated CPA verification. Exception cleared. Buyer Comment (2026-01-12): verification Reviewer Comment (2026-01-07): Received same documents which were available in file. Please provide CAP Verification. Exception remains Buyer Comment (2026-01-06): see attached letter |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026NQM30355 | 36249441 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The loan is at ATR Risk due to missing income documentation. Missing CPA Verification. | Reviewer Comment (2026-01-13): Received and associated CPA verification. Exception cleared. |
01/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| GCAT2026NQM30355 | 36249442 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The loan is at ATR Risk due to missing income documentation. Missing CPA Verification. | Reviewer Comment (2026-01-13): Received and associated CPA verification. Exception cleared. |
01/13/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30355 | 36249443 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for Borrower with [Redacted]. Approval in file. | Borrower has verified disposable income of at least $[Redacted]. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
Lender approved exception in file with comp factors noted. | SitusAMC,Originator SitusAMC SitusAMC |
Reviewer Comment (2025-12-30): Lender exception approved with comp factors noted. |
12/30/2025 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| GCAT2026NQM30385 | 36249444 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-01-26): Provided CDA supporting value Buyer Comment (2026-01-23): CDA |
01/26/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Primary | Purchase | D | B | B | B | A | A | D | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026NQM30385 | 36249445 | Credit | Title | Document Error | Title | The Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | The Preliminary title policy amount is blank. A Final Policy was not provided. | Reviewer Comment (2026-02-16): When calculating cash to close, total funds required includes cash to close, EMD, and POC's. Total funds required for closing $[Redacted], total funds required for reserves: $[Redacted]. Total funds to be verified = $[Redacted]. We only have $[Redacted]verified, exception remains. Reviewer Comment (2026-01-12): Received Escrow instructions reflect coverage amount of $[Redacted]. Exception cleared. Buyer Comment (2026-01-09): Loan amount is on the escrow instructions |
01/12/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Purchase | D | B | B | B | A | A | D | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30385 | 36249454 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum fico requirement not met. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
$[Redacted] residual income DTI is less than max allowable dti. |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-03-16): Lender exception provided. Buyer Comment (2026-03-13): see attached exception approved |
03/16/2026 | 2 | B | B | B | B | B | [Redacted] | Primary | Purchase | D | B | B | B | A | A | D | A | Non QM | Non QM | No | |||||||||||||||
| GCAT2026NQM30372 | 36249457 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Missing evidence of access to business funds for closing. A cpa letter or LOE from borrower and a cash flow analysis from the underwriter are required. | Reviewer Comment (2026-01-21): Received and associated cash flow analysis. Exception cleared. Buyer Comment (2026-01-18): docs uploaded |
01/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30372 | 36249458 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing CPA prepared P&L. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
$[Redacted] residual income DTI is [Redacted]% below guideline max. Fico is [Redacted] points above guideline minimum. |
SitusAMC Aggregator,SitusAMC SitusAMC SitusAMC SitusAMC Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-02-27): Post close lender exception provided. Buyer Comment (2026-02-25): see attached updated documents including: (1) approved exception to use [Redacted] licensed individual for P&L rather than prepared by borrower's CPA and use of two separate individuals for CPA letter and P&L and (2) validation of P&L as [Redacted] Reviewer Comment (2026-01-21): Received third party P&L again, please provide the CPA prepared P&L. Exception remains. Buyer Comment (2026-01-20): 3rd party P&L preparer professional financial planning and asset management firm specializing in renewable energy companies like the borrower's Buyer Comment (2026-01-20): doc uploaded Buyer Comment (2026-01-18): docs uploaded |
02/27/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | ||||||||||
| GCAT2026NQM30372 | 36249459 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Missing CPA prepared P&L. | Reviewer Comment (2026-02-27): Post close lender exception provided. |
02/27/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | A | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30372 | 36249460 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing CPA prepared P&L. | Reviewer Comment (2026-02-27): Post close lender exception provided. |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | B | C | B | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30393 | 36249461 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-01-13): Sufficient Cure Provided At Closing |
01/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| GCAT2026NQM30393 | 36249462 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | HOA Verification and Tax Verification is missing for the property address [Redacted] | Reviewer Comment (2026-02-25): Received and associated Corrected 1003. Exception cleared. Buyer Comment (2026-02-23): corrected 1003 Reviewer Comment (2026-02-17): Provided Tax Verification $[Redacted] and HOA Verification$[Redacted] for REO Property "[Redacted]", however, final 1003 listed other payment as $[Redacted]. Please provide supporting document for other payment of $[Redacted]. Exception remains Buyer Comment (2026-02-13): see attached tax docs Reviewer Comment (2026-02-11): Received and associated HOA Verification. Please provide the Tax verification. Exception Remains. Buyer Comment (2026-02-09): docs uploaded |
02/25/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30326 | 36249465 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance Verification document not provided | Reviewer Comment (2026-03-05): Received and associated Hazard Insurance Policy. Exception Cleared Buyer Comment (2026-03-04): see attached Reviewer Comment (2026-03-03): Received hazard insurance for the property at [Redacted]; however, the policy is post-closing with a premium of $[Redacted]. We require hazard insurance that provides coverage effective as of the note date. Exception Remains. Buyer Comment (2026-02-27): See attached Reviewer Comment (2026-02-26): The Letter received for the property located at [Redacted], please provide Insurance Verification for the property at [Redacted]. Exception Remains. Buyer Comment (2026-02-24): See attached |
03/05/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30324 | 36249468 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | The file was missing copy of Fraud Report. | Reviewer Comment (2026-02-18): Received and associated Fraud Report. Exception cleared. Buyer Comment (2026-02-17): Fraud report |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30324 | 36249469 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | The file was missing copy of Verification of Non-US Citizen Status, | Reviewer Comment (2026-02-20): Received and associated Permanent Resident Card. Exception cleared. Buyer Comment (2026-02-18): Non-US Citizen |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| GCAT2026NQM30324 | 36249470 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file was missing copy of CPA Letter, Third Party Verification | Reviewer Comment (2026-03-10): Received and associated Validity of CPA. Exception cleared. Buyer Comment (2026-03-06): CPA Reviewer Comment (2026-03-04): Missing validity of CPA. Reviewer Comment (2026-03-04): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: 1040 - Schedule C, 1084 or income worksheet, Third Party Verification Reviewer Comment (2026-03-04): Per [Redacted]; guidelines, 1.) CPA Letter MUST evidence all the below: a. Length of relationship with borrower. b. Intent to file tax returns for the immediate tax year due c. Borrower's position/title d. Ownership percentage of company e. Business formation date f. Number of years borrower has been self-employed with the company g. Confirmation that the borrower is paid annually or throughout the year based on the net profit of the business h. Current status of the borrower's business i. Nature of business 2. If the CPA/EA/CTEC did not file the borrower's most recent tax return, [Redacted] Home will require: a. CPA/EA/CTEC to confirm what documentation was reviewed to prepare the borrower's [Redacted]-month P&L and touch on all the above. b. A letter from the borrower confirming intent to use the CPA/EA/CTEC to file the immediate tax year due and an explanation for switching tax preparers. Buyer Comment (2026-03-03): CPA Reviewer Comment (2026-03-03): Received the VVOE within [Redacted] days of closing; however, a CPA letter dated within [Redacted] days of closing is required. Exception Remains. Buyer Comment (2026-02-27): VVOE Reviewer Comment (2026-02-26): Received the 1084 or income worksheet; however, third-party verification or a CPA letter dated within [Redacted] days of closing is required. Exception remains. Buyer Comment (2026-02-24): docs uploaded Reviewer Comment (2026-02-20): Received Personal Tax returns for [Redacted] however required Third party verification and 1084 or income worksheet. Exception Remains. Buyer Comment (2026-02-18): PERSONAL TAX RETURNS/CPA Letter |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30324 | 36249471 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | The file was missing copy of E-sign Consent Agreement | Reviewer Comment (2026-02-18): Received and associated E-Sign Consent Agreement. Exception cleared. Buyer Comment (2026-02-18): E-sign Consent Agreement |
02/18/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30324 | 36249473 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Insufficient income documentation provided. Missing most recent 1040 and third party verification. | Reviewer Comment (2026-02-20): Received and associated Personal Tax returns for [Redacted]. Exception cleared. |
02/20/2026 | 1 | B | A | C | A | B | A | C | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30324 | 36249474 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. ([Redacted]r/Schedule C) | Reviewer Comment (2026-02-20): Received and associated Personal Tax returns for [Redacted]. Exception cleared. |
02/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30324 | 36249475 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing most recent 1040 and third party verification. | Reviewer Comment (2026-03-10): Received and associated Validity of CPA. Exception cleared. Buyer Comment (2026-03-06): See Loan Exception ID [Redacted] Reviewer Comment (2026-03-04): Missing validity of CPA. Buyer Comment (2026-03-03): CPA |
03/10/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30324 | 36249476 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | General Ability-to-Repay requirements not satisfied. | Reviewer Comment (2026-02-20): Received and associated Personal Tax returns for [Redacted]. Exception cleared. |
02/20/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| GCAT2026NQM30324 | 36249480 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-02-13): Sufficient Cure Provided At Closing |
02/13/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | ||||||||||||
| GCAT2026NQM30324 | 36249482 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Received Personal Tax returns for [Redacted] however required Third party verification and 1084 or income worksheet | Reviewer Comment (2026-03-10): Received and associated Validity of CPA. Exception cleared. Buyer Comment (2026-03-06): See Loan Exception ID [Redacted] Reviewer Comment (2026-03-04): Missing validity of CPA. Buyer Comment (2026-03-02): VOE docs |
03/10/2026 | 1 | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||||
| GCAT2026NQM30324 | 36249483 | Compliance | Compliance | State Compliance | State HPML | [Redacted] Subprime Home Loan Threshold Fixed Compliant | [Redacted] Subprime Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted]+ [Redacted]%, or [Redacted]%. Compliant SubPrime Loan. | Buyer Comment (2026-03-12): accept as is Reviewer Comment (2026-03-10): Please accept as is, [Redacted] Home Loan Threshold Fixed Compliant Buyer Comment (2026-03-06): See Loan Exception ID [Redacted] Reviewer Comment (2026-03-04): Missing validity of CPA. Buyer Comment (2026-03-04): [Redacted] Docs |
2 | B | B | B | B | B | [Redacted] | Primary | Refinance - Cash-out - Other | No obvious cure. Cure provision under NY Subprime 6-m(7) appears to be limited to making a non-compliant NY Subprime loan into a compliant NY subprime loan with no explicit cure language permitting loan to be refunded or cured by reducing the APR to effectively bring the loan out of NY Subprime status. | C | B | C | A | C | B | A | A | Non QM | Non QM | Yes | |||||||||||||||||||
| GCAT2026NQM30411 | 36259238 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided | Please provide a copy of the Business Purpose Certificate | Reviewer Comment (2026-04-20): Received and associated Business Purpose Certificate. Exception Cleared. Seller Comment (2026-04-17): Attached |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30411 | 36270013 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided | Reviewer Comment (2026-04-20): Received and associated Business Purpose Certificate. Exception Cleared. Seller Comment (2026-04-17): Attached |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30471 | 36269624 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | Reviewer Comment (2026-04-16): Documentation provided; exception cleared. Seller Comment (2026-04-14): ATTACHED |
04/16/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | A | C | A | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30360 | 36273127 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | Initial 1003 document was not found in file. | Reviewer Comment (2026-04-15): Received and associated 1003 Initial - Lender's. Exception cleared. Seller Comment (2026-04-15): Attached |
04/15/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Primary | Refinance - Cash-out - Other | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30360 | 36279984 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance was exceeded for Credit Report Fee. Fee amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Reviewer Comment (2026-04-14): Sufficient Cure Provided At Closing |
04/14/2026 | 1 | A | A | A | A | A | A | A | A | A | A | [Redacted] | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | B | A | A | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30412 | 36273005 | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy is within [Redacted] or [Redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | Title Evidence: ___; State: ___ |
The file was missing a copy of the final title policy. | Reviewer Comment (2026-04-14): Client elects to waive. |
04/14/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30396 | 36268716 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Reviewer Comment (2026-04-20): [Redacted] received COC dated [Redacted] Seller Comment (2026-04-17): Attached Reviewer Comment (2026-04-15): [Redacted]: The COC that was provided in the trailing images was also provided in the original loan package indicates loan amount change. however in case when loan amount change the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change. Provide supporting document with additional information for pricing decreased or Cure would be due to borrower. Seller Comment (2026-04-14): ATTACHED |
04/20/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30396 | 36268733 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | File did not contain an estimated cost to replace from the insurer. Calculations are based on [Redacted]% of the insurable value of the improvements (from appraiser cost provided or if no appraiser cost the purchase price) using agency calculation methods. Coverage is insufficient at $[Redacted] | Reviewer Comment (2026-04-15): Received and associated Replacement cost Estimator. Exception cleared. Seller Comment (2026-04-14): ATTACHED |
04/15/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Purchase | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30405 | 36280342 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Flood Binder does not reflect [Redacted] for the Mortgagee clause. | Reviewer Comment (2026-04-22): Documentation provided; exception cleared. Seller Comment (2026-04-20): updated Flood EOI Seller Comment (2026-04-20): EOI |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30405 | 36280687 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender Exception for First Time Investor DSCR under [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] Months | Aggregator,SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-14): The client elects to waive. |
04/14/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30405 | 36280787 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided | Copy of ID not found in the file. | Reviewer Comment (2026-04-21): Received and associated Driver's License. Exception cleared. Seller Comment (2026-04-20): Borr ID Seller Comment (2026-04-20): ID |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30409 | 36278670 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Lender exception for DSCR ratio less than [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves. Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-22): Lender exception in file. Seller Comment (2026-04-18): approval in file Seller Comment (2026-04-18): approved |
04/22/2026 | 2 | C | B | C | B | C | B | C | B | C | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30409 | 36280273 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Co-Borrower's 1003 reflects she has owned her primary residence for [Redacted] years. Co-Borrower is not vested on Borrower's primary home title. Please provide a corrected final 1003 to reflect her housing as "No primary housing expense" and a Rent Free LOE from the Borrower. | Reviewer Comment (2026-04-22): Documentation provided; exception cleared. Seller Comment (2026-04-18): 1003 updated for [Redacted]. LOX is not required per guideline; the housing payment history for primary has been verified. Seller Comment (2026-04-18): 1003 |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30524 | 36281755 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. | Reviewer Comment (2026-04-27): Documentation provided; exception cleared. Seller Comment (2026-04-23): Final SS Seller Comment (2026-04-23): SS Reviewer Comment (2026-04-22): Provide the final, signed/stamped closing statement from the settlement company to verify disbursement date. Seller Comment (2026-04-18): Signed [Redacted], Funded [Redacted]. Seller Comment (2026-04-18): [Redacted], CD |
04/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30347 | 36283144 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Insurance verification was not provided. | Reviewer Comment (2026-04-21): Received and associated Insurance Verification. Exception cleared. Seller Comment (2026-04-17): Please cancel, this is in uploads page [Redacted] of [Redacted]. Seller Comment (2026-04-17): EOI |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Rate/Term | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30354 | 36283814 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided | Reviewer Comment (2026-04-21): Received and associated Employer Identification Number (EIN). Exception cleared. Seller Comment (2026-04-20): ein |
04/21/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | ||||||||||||||||||
| GCAT2026NQM30354 | 36283831 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan-to-value percentage of [Redacted]% exceeds guideline loan-to-value percentage of [Redacted]%. Lender exception requested to allow LTV of [Redacted]% when maximum allowed is [Redacted]%. Approval is in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-16): Lender exception in file. |
04/16/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Refinance - Rate/Term | C | B | C | B | A | A | N/A | No | |||||||||||||
| GCAT2026NQM30410 | 36285668 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Co-Borrower is not vested on any primary housing. Final 1003 reflects ownership for [Redacted] years. Please provide a corrected final 1003 for Co-Borrower that reflects "No primary housing" and provide a rent-free LOE from Borrower. | Reviewer Comment (2026-04-22): Documentation provided; exception cleared. Seller Comment (2026-04-18): 1003 updated for [Redacted]. LOX is not required per guideline; the housing payment history for primary has been verified. Seller Comment (2026-04-18): 1003 |
04/22/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||||
| GCAT2026NQM30410 | 36285693 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Approved Lender Exception for first-time investor with DSCR < [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-04-15): The client elects to waive. |
04/15/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | C | B | C | B | A | A | N/A | No | |||||||||||||||
| GCAT2026NQM30541 | 36296716 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | Borrower has been employed in the same industry for more than [Redacted] years. Borrower has owned the subject property for at least [Redacted] years. Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%. The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): The client elects to waive. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Refinance - Rate/Term | B | B | B | B | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| GCAT2026NQM30413 | 36290083 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Reviewer Comment (2026-04-03): Received and associated Fraud Report. Exception cleared. Buyer Comment (2026-04-01): see attached |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||||
| GCAT2026NQM30413 | 36290084 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide the Final CD or First Payment Letter to verify the final PITIA for this property. Prelim LE only provided. | Reviewer Comment (2026-04-03): Received and associated First Payment Letter. Exception cleared. Buyer Comment (2026-04-01): see attached |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30339 | 36290085 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity In Occupancy - Investment Loans | Loan does not qualify for Investment Loans scope because the Final 1003 does not indicate that the property will be an Investment Property or the Final 1003 Declarations, Valuation or Occupancy Certificate indicates the borrower intends to occupy the subject property. | Appraisal reflects Owner Occupied. | Reviewer Comment (2026-04-03): Documentation provided; exception cleared. Buyer Comment (2026-04-01): see attached |
04/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Refinance - Cash-out - Other | C | A | A | A | C | A | A | A | N/A | No | ||||||||||||||
| GCAT2026NQM30336 | 36290113 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Reviewer Comment (2026-03-11): Provided Valid AVM supporting value Buyer Comment (2026-03-10): AVM |
03/11/2026 | 1 | D | A | D | A | D | A | D | A | D | A | [Redacted] | Investment | Purchase | D | A | C | A | B | A | D | A | N/A | N/A | No | |||||||||||||||
| GCAT2026NQM30336 | 36290114 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Reviewer Comment (2026-02-27): Received and associated Tax Verification. Exception Cleared. Buyer Comment (2026-02-25): tax bill in file pg [Redacted]- parcel #[Redacted] verified in docs attached to exception Buyer Comment (2026-02-25): attached docs |
02/27/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Investment | Purchase | D | A | C | A | B | A | D | A | N/A | N/A | No | ||||||||||||||
| GCAT2026NQM30336 | 36290115 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost and Not Higher Priced | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment). | Initial 1003 for [Redacted], dec page, reflects intent to occupy. | Reviewer Comment (2026-03-16): Documentation provided; exception cleared. Buyer Comment (2026-03-12): loe |
03/16/2026 | 1 | B | A | B | A | B | A | B | A | B | A | [Redacted] | Investment | Purchase | D | A | C | A | B | A | D | A | N/A | N/A | No | |||||||||||||
| GCAT2026NQM30384 | 36290117 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | Fraud Report is missing file. | Reviewer Comment (2026-03-03): Received and associated Fraud Report. Exception cleared. Buyer Comment (2026-03-02): See attached |
03/03/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30384 | 36290120 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. $[Redacted] over legal limit. Insufficient or no cure was provided to the borrower | Reviewer Comment (2026-03-13): [Redacted] received additional information related to the increase in loan amount on [Redacted] changed circumstance with the program change for valid changed circumstance. Reviewer Comment (2026-03-04): [Redacted] received COC dated [Redacted] which states the product change but the transfer tax fee is not linked to loan program. Please d provide COC with correct reason for increase in fee or cure would be required. Buyer Comment (2026-03-02): See attached |
03/13/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| GCAT2026NQM30384 | 36290123 | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Closing discrepancy. | Missing donor check, or wire, etc. for gift in the amount of $[Redacted]. | Reviewer Comment (2026-03-02): Received and associated Donor Check. Exception cleared. Buyer Comment (2026-02-26): check |
03/02/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30414 | 36290160 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted] OR provide copy of insurer's replacement cost estimate supporting current coverage amount. | Reviewer Comment (2026-03-31): Coverage exceeds loan amount. Buyer Comment (2026-03-30): Hazard has add'l replacement cost brings total to [Redacted]- [Redacted]* [Redacted]% Buyer Comment (2026-03-30): HAZ UPLOADED |
03/31/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| GCAT2026NQM30414 | 36290161 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | Provide a copy of insurance verification | Reviewer Comment (2026-04-07): Received and associated Insurance Verification. Exception cleared. Buyer Comment (2026-04-03): see attached Reviewer Comment (2026-03-31): Received Insurance Verification for subject property "[Redacted]". Please Provide Insurance Verification for REO Property [Redacted]. Exception remains Buyer Comment (2026-03-27): hazard |
04/07/2026 | 1 | C | A | C | A | C | A | C | A | C | A | [Redacted] | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| GCAT2026NQM30540 | 36316074 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. | Borrower has verified disposable income of at least $[Redacted]. Borrower has worked in the same position for more than [Redacted] years. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
Reviewer Comment (2026-05-06): The client elects to waive. |
05/06/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Primary | Purchase | B | B | B | B | A | A | A | A | Non QM | Non QM | No | |||||||||||
| GCAT2026NQM30811 | 36329903 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [Redacted]% exceeds Guideline loan to value percentage of [Redacted]%. Lender requested exception to allow for LTV of [Redacted]% when maximum LTV allowed for a rural property is [Redacted]%. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. The representative FICO score exceeds the guideline minimum by at least [Redacted] points. |
[Redacted] months reserves Fico is [Redacted] points above guideline minimum. |
Aggregator,SitusAMC SitusAMC Aggregator,SitusAMC |
Reviewer Comment (2026-04-27): Lender exception in file. |
04/27/2026 | 2 | B | B | B | B | B | B | B | B | B | B | [Redacted] | Investment | Purchase | B | B | B | B | A | A | N/A | No |