GCAT Depositor VI LLC ABS-15G

Exhibit 99.20

 

Loan ID Lender Application Date Final QM Status QM Total Points and Fees APR Residual Income Residual Income Meets Guidelines? Borrower 1 Employment Indicator Borrower 2 Employment Indicator Borrower 1 Foreign National Indicator Borrower 2 Foreign National Indicator Business Purpose Loan? Business Purpose Verified?
GCAT2026NQM30756 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30757 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX Pending Credit Review Employed   No   No  
GCAT2026NQM30758 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors   XXX XXX N/A Employed   No   No  
GCAT2026NQM30759 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors   XXX XXX N/A Employed   No   No  
GCAT2026NQM30760 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30761 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30762 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors   XXX XXX N/A Employed Unknown No No No  
GCAT2026NQM30763 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Retired Retired No No No  
GCAT2026NQM30764 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30765 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed Unknown No No No  
GCAT2026NQM30766 XX/XX/XXXX ATR/QM: Exempt   XXX XXX N/A Retired Not Employed No No Yes Missing
GCAT2026NQM30767 XX/XX/XXXX QM: Higher Priced APOR (APOR HP) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30768 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30769 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30770 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30771 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors   XXX XXX N/A Employed   No   No  
GCAT2026NQM30772 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX Yes Employed Employed No No No  
GCAT2026NQM30773 XX/XX/XXXX QM: Higher Priced APOR (APOR HP) XXX XXX XXX Yes Employed Employed No No No  
GCAT2026NQM30774 XX/XX/XXXX QM: Higher Priced APOR (APOR HP) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30775 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30776 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30777 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30778 XX/XX/XXXX ATR/QM: Exempt   XXX XXX N/A Retired Employed No No Yes N/A
GCAT2026NQM30779 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30780 XX/XX/XXXX ATR/QM: Exempt   XXX XXX N/A Employed Employed No No Yes N/A
GCAT2026NQM30781 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30782 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30783 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30784 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors   XXX XXX N/A Retired   No   No  
GCAT2026NQM30785 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30786 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors   XXX XXX N/A Employed   No   No  
GCAT2026NQM30787 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Retired Retired No No No  
GCAT2026NQM30788 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30789 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30790 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30791 XX/XX/XXXX ATR/QM: Exempt   XXX XXX       No   Yes Present
GCAT2026NQM30792 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed Not Employed No No No  
GCAT2026NQM30793 XX/XX/XXXX ATR/QM: Exempt   XXX XXX N/A Employed Unknown No No Yes Present
GCAT2026NQM30794 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30795 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30796 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30797 XX/XX/XXXX ATR/QM: Exempt   XXX XXX   Employed   No   Yes Present
GCAT2026NQM30798 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30799 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30800 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed Employed No No No  
GCAT2026NQM30801 XX/XX/XXXX ATR/QM: Exempt   XXX XXX       No No Yes Present
GCAT2026NQM30802 XX/XX/XXXX QM: Safe Harbor APOR (APOR SH) XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30803 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30804 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30805 XX/XX/XXXX ATR/QM: Exempt   XXX XXX       No   Yes Present
GCAT2026NQM30806 XX/XX/XXXX ATR/QM: Exempt   XXX XXX N/A Employed Employed No No Yes Present
GCAT2026NQM30807 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No  
GCAT2026NQM30808 XX/XX/XXXX Non-QM: Lender documented all ATR UW factors XXX XXX XXX N/A Employed   No   No