GCAT Depositor VI LLC ABS-15G

Exhibit 99.30

 

ALT ID Loan ID Seller Loan ID Investor Loan ID Lender Application Date Originator QM Status Final QM Status Originator QM Status Difference than Final QM Status? Reason Why NonQM Final Status APR Pricing Threshold Exceeded? QM DTI Threshold Exceeded? Higher Priced Mortgage Loan (HPML)? Negatively Amortizing Loan? Principal Deferment? Interest Only Flag? Prepayment Penalty? Balloon Flag? Adjustable Rate Balloon? Loan Term Less Than 5 Years? QM Points and Fees Threshold Exceeded? QM Total Points and Fees APR ATR: Qualifying Payment Properly Considered? ATR: Current Employment/Self-Employment Verified? ATR: Balloon Qualifying Payment Properly Considered? ATR: Reasonable Income or Assets Considered? ATR: Subject PITIA Adequately Documented? ATR: All Liabilities Including Alimony and Child Support in DTI? ATR: Simultaneous Loan Calculated Properly ATR: Credit History was Considered Properly? ATR: Did Lender Document All ATR Factors? ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? 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?
GCAT2026NQM30572 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No Yes No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXX.XX N/A Employed Employed No No Yes Present
GCAT2026NQM30573 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30574 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30575 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30576 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30577 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30578 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30579 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30580 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30581 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.138 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed   No   No  
GCAT2026NQM30582 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No Yes No No No No Not Tested 0 6.572 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed   No   No  
GCAT2026NQM30583 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.987 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Employed   No   No  
GCAT2026NQM30584 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30585 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30586 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30587 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30588 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30589 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30590 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30591 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXX.XX Yes Employed Employed No No Yes Present
GCAT2026NQM30592 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.434 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed   No   No  
GCAT2026NQM30593 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30594 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.821 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Not Employed   No   No  
GCAT2026NQM30595 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30596 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30597 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30598 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No Yes No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXX.XX N/A Employed Employed No No Yes Present
GCAT2026NQM30599 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30600 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.576 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Employed   No   No  
GCAT2026NQM30601 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30602 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.91 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30603 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 7.033 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30604 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.982 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Retired Retired No No No  
GCAT2026NQM30605 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30606 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30607 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.677 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Employed Retired No No No  
GCAT2026NQM30608 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXX.XX N/A Employed   No   Yes Present
GCAT2026NQM30609 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30610 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30611 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30612 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 7.174 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30613 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30614 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30615 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.936 Yes N/A N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Retired   No   No  
GCAT2026NQM30616 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30617 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.868 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30618 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30619 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30620 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.851 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30621 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30622 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30623 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30624 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30625 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30626 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30627 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested No No No No No No No No No Not Tested 0 6.848 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30628 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30629 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.534 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30630 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.931 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Employed Employed No No No  
GCAT2026NQM30631 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30632 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30633 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No Yes No No No No Not Tested 0 6.805 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30634 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30635 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30636 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30637 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30638 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30639 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.656 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed   No   No  
GCAT2026NQM30640 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes Not Tested No No No No No No No Not Tested 0 0 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $XXXX.XX N/A Employed   No   Yes Present
GCAT2026NQM30641 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.769 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30642 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30643 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30644 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30645 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.532 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed   No   No  
GCAT2026NQM30646 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes No No No No No No No No Not Tested 0 6.632 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes   N/A Employed   No   No  
GCAT2026NQM30647 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No Yes Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30648 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.976 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Employed   No   No  
GCAT2026NQM30649 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30650 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30651 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30652 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30653 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30654 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No   Not Tested Yes No No No No No No No No Not Tested 0 6.558 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX N/A Employed Employed No No No  
GCAT2026NQM30655 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested No No No No No No No No No Not Tested 0 6.697 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed Employed No No No  
GCAT2026NQM30656 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present
GCAT2026NQM30657 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No No No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No No Yes Present
GCAT2026NQM30658 XXXXXX     XX/XX/XXXX Non-QM: Lender documented all ATR UW factors Non-QM: Lender documented all ATR UW factors No   Not Tested Yes Yes No No Yes No No No No Not Tested 0 9.004 Yes Yes N/A Yes Yes Yes N/A Yes Yes Yes $XXXX.XX Yes Employed   No   No  
GCAT2026NQM30659 XXXXXX     XX/XX/XXXX ATR/QM: Exempt ATR/QM: Exempt No     No   No No No Yes No No No       N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A         No   Yes Present